OPTIM®.net is a full Internet banking product that provides a suite of services to monitor and manage your accounts held with Crédit Agricole CIB and other banks worldwide.

OPTIM®.net offers round-the-clock single access with the highest standards of security and reliability, and the comfort of a multiple language interface.

Easy to use and customize, OPTIM®.net includes on a simple interface multiple Reporting services - Accounts, Treasury and Trade Finance- as well as Payment initiation.

With a global reach, you benefit from Crédit Agricole CIB worldwide network to address your local and international banking needs.

Crédit Agricole CIB has developed OPTIM® SWIFTNet for its clients. By providing an extensive range of value-added services, OPTIM® SWIFTNet offers you worldwide connections to banks via a single communication channel.

By dealing with new security and format standards (PKI, XML…), OPTIM® SWIFTNet is the optimal solution to access your banking services.

Manage all your banking services with OPTIM® SWIFTNet:

• Account statements
• Real-time transactions reporting
• Payment processes
• Liquidity management
• Treasury confirmations

An extensive range of value-added services

OPTIM® SWIFTNet provides standardized financial messages to match worldwide needs and markets’ requirements:

• SWIFTNet FIN: SWIFT’s core store-and-forward messaging service (MT)
• SWIFTNet FileAct: secured and reliable file transfer (mass payments and large reports)

OPTIM® SWIFTNet strengths

A technical and strategic tool that allows you to:

Handle Straight-Through-Processing (STP)

• Optimize cash and liquidity management
• Focus on continuity and security
• Improve auditing processes by ensuring easier compliance
• Benefit from a single and private platform
• Reduce costs and risks (FX/IR confirmations)
  
   

Crédit Agricole CIB provides OPTIM®Trade Portal, an interactive system designed to :

• Enable exporting or importing companies to manage their transactions Online with the bank on real-time basis
• Speed-up the processing of Trade Finance operations
• Enhance reliability
• Provide a full reporting through a user-friendly and powerful tool

Numerous modules are available :

• Import and Export Letters of Credit
• Import and Export Collections
• Issuance of Guarantees

With 24 hour live streaming prices, Aquarius offers real time price information and 'click and trade' technology. Aquarius has been designed with FX professionals in mind, who require fast and accurate price detection and rapid execution. Aquarius offers all that and much more.

Aquarius Features :

• Fast and secure on-line trading
• 'Click and Trade' for FX spot
• RFQ for FX Spot, Forwards and SwapDerivative transaction in which two counterparties agree to exchange the cash flows linked to the performance of two underlyings, for example one interest rate versus another (Interest Rate Swap) or one currency versus the other.s
• Auto-pricing for all major currencies, crosses and most emerging currencies
• Configurable Screen
• Full STP on all trades
• One-click to deal
• 2 click dealing available
• User Friendly & flexible
• Real time deal log
• Full deal history
• 28 currencies plus crosses available

Aquarius Benefits :

• Web based secure technology
• No charge per deal or monthly fee
• Live tradable streaming prices for instant dealing
• Configure your screen to suit your currency needs
• Live trade blotter available

Aquarius Coverage :

All our liquidity and service centres are committed to providing quality services, pricing and market insight to all our customers. We specialise in all major currencies plus Eastern European, Middle Eastern Currencies and ZAR & MXN

You are an international company with accounts in several countries and several currencies and Crédit Agricole CIB has developed for you OPTIM® International Cash Pooling, a full range of solutions matching all your requirements.

OPTIM® International Cash Pooling : Cross Border ZBA option

To optimize the management of your liquidity on a global scale and in one or multiple currencies, the Cross Border ZBA option within OPTIM® International Cash Pooling gives you the capability to centralize in one Master Account your liquidity in each currency.

OPTIM® International Cash Pooling: Margin Pooling option

Always attentive to your needs, Crédit Agricole CIB allows you to improve your international treasury management with the Margin Pooling option within OPTIM® International Cash Pooling : another flexible solution to enhance your global multi-currency and multi-country cash management.
 

You have positions on derivative products in several stock exchanges, Crédit Agricole CIB has developed MTM direct. The simple and user-friendly portal calculates the Mark to Market value of your outstanding OTCOver The Counter market. Market organised by financial intermediaries to trade securities not listed on a stock exchange or to trade private contracts on a bilateral basis. derivatives held with Crédit Agricole CIB.

MTM Direct features :

• MTM Direct negative market value indicates that in the event of a buyout client would own amount
• MTM Direct relies on a very secure in-house software component implementing the current best practices (Public Key Infrastructure) to ensure effective authentication, confidentiality and digital signature

Crédit Agricole CIB has developed OPTIM® Clic, a full solution providing an extensive range of innovative electronic banking services designed for Central and Eastern Europe.

Thanks to Crédit Agricole CIB branches and large network, you benefit from tailored and highly secured services to manage all your banking operations.

OPTIM® Clic is designed to cover both daily paying and receiving activity and advanced cash management in Central and Eastern Europe.

Access to multiple services :

• Local and international banking operations: domestic transactions (including RTGS), international transfers, foreign exchange transactions, bulk payments, direct debits, and third-party transactions
• Available in: Czech Republic, Hungary, Poland, Russia, Slovakia and Ukraine
• Efficient tool for managing large volumes of data
• Real-time transactional and balance reporting
• Treasury reporting module
• Business information
• Advanced cash management features available
• Value-added services from standing orders to notional cash pooling simulations

Advanced cash management tools :

• A one-screen dashboard showing the global picture of the financial position of the entire company or selected profit centers
• Exchange rates, market information and cash pooling reporting available
• A collection of simulation tools available

OPTIM® Internet : un outil simple et performant

• Suivi de vos comptes
• Traitement de vos opérations bancaires
• Accès à un service de reporting complet

Une interface unique pour une gestion en temps réel : OPTIM® Internet met à votre disposition un service reporting et un service transactionnel pour gérer vos comptes tenus en France et à l’étranger. Un service Intraday performant vous fournit des relevés de comptes en temps réel pour vos comptes tenus par Crédit Agricole CIB en France.

Crédit Agricole CIB a développé OPTIM® Link, une solution entièrement automatisée et sécurisée pour répondre aux mieux aux besoins de sa grande clientèle.

Traitement par télétransmission des opérations bancaires et flux financiers :

• Des structures de fichiers normées
• Une automatisation des traitements
• Une sécurisation des échanges de données
• Une compatibilité parfaite avec des outils comptables et progiciels de trésorerie

Transmission des instructions et récupération de fichiers

La récupération de fichiers reporting se fait via les protocoles ETEBAC 3 et ETEBAC 5. La sécurisation de vos échanges repose sur :

• L’authentification des partenaires
• La confidentialité et l’intégrité des données échangées
• La non-répudiation des informations transmises

• Réception en France des relevés de vos comptes domiciliés à l’étranger et ouverts dans une banque adhérente au réseau SWIFT
• Emission vers l’étranger de relevés de comptes français : Pour les filiales d’une société étrangère, Crédit Agricole CIB peut émettre par le réseau SWIFT les relevés de comptes français aux banques des maisons mères

De nombreux avantages grâce à OPTIM® Link :

• Rapidité des traitements : automatisation des opérations bancaires
• Fiabilité des transmissions

Différents formats de fichiers : Traitement des messages CFONBCFONB: Comité Français d'Organisation et de Normalisation Bancaires. The french banking standards and organisation committee is an industry body tasked with studying and finding organisational and standardisation solutions to technical problems affecting banking activities in the fields of payment systems, payment instruments, and securities. At the European level, the CFONB is the interface with the European Committee for Banking Standards (ECBS), created in 1992., EDIFACT, SWIFT pour une plus grande souplesse d’utilisation des progiciels de trésorerie.
 

OPTIM® Cash Pooling allows an automatic centralization of funds between branches which have an account in Crédit Agricole CIB and the centralizing company account. This one can be or not an account dedicated to the treasury centralization.

The service of real centralization of treasury (or net cash pool value) aims to upgrade in zero value the accounts in EUR or in currencies (said “local" or secondary) of your Group by debit or credit of the master account.
 

• OPTIM® Domestic ZBA  allows to centralize all the balance accounts that you have in Crédit Agricole CIB France
• A secured solution perfectly adapted to costumers who have many accounts in Crédit Agricole CIB.

To secure and rationalize your commercial payments, Crédit Agricole CIB has developed OPTIM® Suppliers, an extensive solution to optimize all your supplier payments in France.

OPTIM® Suppliers is a value-added product designed to improve business relationships. OPTIM® Suppliers offers high technological features.
 

The OPTIM® Guaranties Internet product enables you to issue Bonds and Guarantees in France and on a global scale.

Fully secured, OPTIM® Guaranties offers multiple modules to improve and easily manage all your issuances.

Optimize your issuance processes thanks to OPTIM® Guaranties :

• Issuance of standard and non-standard texts
• Printout available
• Reporting of Bonds and Guarantees stocks
• Fully secured access and authentication methods
• …and other value-added services

Crédit Agricole CIB has developed OPTIM® Secured Cheques, an electronic solution offering strong protection against falsification of issued cheques. Simple and fully secured, OPTIM® Secured Cheques offers you a competitive protection of all your issued cheques.

OPTIM® Secured Cheques system allows to identify all frauds on numbers, amounts, and beneficiaries ID of your issued cheques.