Concept · Brief definitionRelevant to you
Treasury management system (TMS)
A treasury management system (TMS) is software that a corporate or bank treasury uses to see cash positions, forecast cash, manage bank accounts, payments, debt, investments and foreign exchange deals, and report risks. It connects to banks through Swift, EBICS or APIs and to the group's ERP, importing statements such as camt.053.
See related concepts
This is a brief definition. A full explanation with a worked example is being written.
Sources
Updated 31 Oct 2026.
Forecast (rolling forecast)A forecast is the latest estimate of results for the rest of the period, updated as actuals come in. A rolling forecast always looks a fixed number of months ahead, for example 12 or 18, and is often driven by volumes, prices and headcount assumptions.
Swift (network)Swift is a cooperative, owned by its member institutions, that runs a secure messaging network for payment, securities and trade messages between banks and other institutions worldwide. Swift carries instructions only: it holds no accounts, and the money settles on the books of banks or in central bank systems. Members must meet its Customer Security Programme controls.
EBICS (Electronic Banking Internet Communication Standard)EBICS is a standard protocol for secure file transfer between companies and banks over the internet, used mainly in Germany, France, Austria and Switzerland for payment files and statements. It uses electronic signatures, including distributed signatures by several authorised persons, and version 3.0 aligns order types with ISO 20022 business transactions.
camt.053 (bank to customer statement)camt.053 is the ISO 20022 end-of-day account statement a bank sends to a customer, with opening and closing balances and every booked entry, including structured references and remittance data. It replaces the Swift MT 940 and MT 950 and feeds automated reconciliation in treasury and accounting systems.