The Nordic and Baltic countries have always had close economic ties. From a cash management point of view, they contain eight different currencies, with Finland being the only country to have adopted the euro. The banks in these regions often lead the rest of the world in their levels of automation and this trend continues today with many offering innovative web-based products. Regional banks have traditionally faced little competition from foreign banks and compete amongst themselves for business. Many non-Nordic banks often deliver services to their customers using local partner banks.

This specialist handbook concentrates on the main cash management issues facing companies doing business in these regions. Topics covered include:

• Banking systems
• Clearing systems
• Cash management structures
• Cash management solutions
• Information flows
• Bank charges
• Foreign exchange