Simply put, it is the protection of your bottom line against Financial Market Risks. It is the practice of protecting economic value in a business by using financial instruments to effectively manage exposure to financial risk.

This is the risks associated with the effect that exchange rates, interest rates, commodity prices and liquidity may have on a business.

Risk Management in the Financial Markets environment can be daunting, as rates in foreign exchange, money and commodity markets can be very volatile and uncertain!

Without a customised strategy and adequate skills to implement a Risk Management Solution your business could suffer significant financial losses.

• Exchange Rate Risk Management
• Interest Rate Risk Management
• Commodity Price Management
• Investment Management (Surplus Cash)
• Liquidity Risk Management (Financing Options)
• Treasury Management System Support

There are various approaches to managing Financial Market Risks but , central to all methodologies, there should be rules and processes addressing adherence to a sound Risk Management Policy, accurate Exposure Identification and Costing Disciplines.

We have the professional skills and practical experience essential to design, implement and apply a customised solution in the managements of your specific risks.

There are various products which can assist in the securing of exchange rates into the future and mitigate against unfavourable market movements. Such products may be complex in the way they work and their suitability to your circumstances and often require professional skills to analyse the most adequate strategy to manage your business’ specific risk environment.

Speculative or view-driven activities in managing forex risk should be avoided as much as possible, as they could result in very painful financial consequences, particularly in volatile times. Nobody really knows what the future holds and, transferring risk to the marketplace, by hedging exposure to currency risk, is the way to go.

Skilled resources are not necessarily always available within SME’s staff component and a professional and disciplined Forex management approach, provided by an external specialist Treasury Advisory Service Provider will, over time, provide more certainty and benefit your business – this will enable you to focus on your core business.

We protect your profits against currency and other financial market risks at an affordable price. By working side by side with you, we will ensure that your foreign exchange, commodity and / or interest rate risks are appropriately managed and monitored, with you always in control.

Bizcash has partnered with Change Financial Solutions, an experienced and knowledgeable team of treasury specialists whose aim is to thoroughly understand the financial risk within the framework of the client’s business model.  Change Financial Solutions (Pty) Ltd, an authorised financial services provider (FSP No. 3071).