MyFlow I

by Bashier Elhafy

Group Treasury & Cash Flow Intelligence

Liquidity • Cash Generation • Working Capital • Funding • Forecast

CFO EXECUTIVE LIQUIDITY SUMMARY

Loading executive summary context...

Cash Inflow (Collections)

QAR 0

+0.0% vs Last Month
Cash Outflow (Payments)

QAR 0

+0.0% vs Last Month
Net Cash Movement

QAR 0

Net Surplus Inflow - Outflow
Operating Cash Flow (OCF)

QAR 0

0% conversion Core Operations
Free Cash Flow (FCF)

QAR 0

YTD: 0 OCF - CAPEX
Cash Runway

0.0 Months

Healthy Runway Cash / Outflow

13-Month Rolling Cash Forecast

Treasury Health Score

0 / 100
Stable Performance

Treasury Attention Required

No active warnings.

YTD Group Cash Flow Waterfall

Cash Conversion KPIs

OCF Margin -2.4%
0.0% Prior Yr: 0.0%
EBITDA Cash Conversion +5.1%
0.0% Prior Yr: 0.0%
FCF Margin +1.2%
0.0% Prior Yr: 0.0%
Cash Impact Insight:
EBITDA is stable, but receivables changes have altered core operating cash translation rates.

AI Group CFO & Treasury Advisor Insights

Update active filters to generate dynamic corporate insights.

CFO Liquidity Risk Analysis

Dynamic scenario-specific risk control & safety buffer modeling
GREEN
Liquidity Metric / KPI Calculation Rule Value Risk Interpretation

Liquidity & Performance Highlights

Actionable FP&A Recommendations

Item-Wise Advance Corrective Actions

Proactive item-level financial interventions before cash flow deficits occur
0 Interventions Recommended
Line Item Section / Entity Risk Period Impact Amount Risk Level Advance Corrective Action Execution Lead Time Source
Loading item-wise actions...

13-Month Forecast & Required Min Cash Target Overlay

13-Month Rolling Cash Forecast Matrix Grid

Operational Funding Gap Detected!
Requirement: QAR 0.0M
Expected Date: 22 October
Duration below threshold: 3 Weeks
Recommended Treasury Corrective Interventions:
  1. Accelerate Accounts Receivable collections by offering a 2% early settlement discount.
  2. Defer discretionary capital expenditures (CAPEX) or non-essential investments.
  3. Utilize approved bank credit lines & undrawn overdraft facilities.
  4. Reallocate liquid assets between entities via intercompany sweeping pool.
  5. Reschedule supplier payables to align with next major contract inflow.
Days Sales Outstanding (DSO)

0 Days

Target: 45d | Prior: 0d Good
Days Inventory Outstanding (DIO)

0 Days

Target: 30d | Prior: 0d Good
Days Payable Outstanding (DPO)

0 Days

Target: 60d | Prior: 0d Good
Cash Conversion Cycle (CCC)

0 Days

Formula: DSO+DIO-DPO Optimal

Net Working Capital Cash Flow Impact

Cash Released: +QAR 0.0 M

Accounts Receivable (AR) Aging buckets

Overdue AR

QAR 0.0 M

Cash Locked in Overdue

QAR 0.0 M

Top Overdue Customer Receivables

Customer Account Entity Overdue Amt Aging Bracket
No overdue balances.

Payables & Supplier Cash Planning Timeline

Horizon Bracket AP Amount Strategic Exposure / Risk Status
Within 7 DaysQAR 0.0 MHigh-priority supplier operations Immediate
8 - 14 DaysQAR 0.0 MCritical utility & operations Pressing
15 - 30 DaysQAR 0.0 MLeases & standard supplier cycles Managed
31 - 60 DaysQAR 0.0 MDiscretionary supply orders Flexible
61 - 90 DaysQAR 0.0 MLong-term committed CAPEX Deferred
Total Facility Debt

QAR 0.0 M

Weighted Cost: 0.0%
Net Debt (Debt - Cash)

QAR 0.0 M

Net Debt/EBITDA: 0.00x
Debt Service Coverage (DSCR)

0.00x

Interest Coverage: 0.0x Comfortable
Undrawn Credit Facilities

QAR 0.0 M

Debt Maturity Coverage: 0.00x

Debt Maturity Profile

Corporate Debt Facilities & Lease Obligations

Facility Type Lender Bank Limit Utilized Available Interest Rate

Bank Accounts & Entity Cash Allocation

0 Accounts Tracked
Bank Entity Currency Book Balance Available Balance Restricted Committed / PDC Facility Limit Utilized Undrawn

FX Liquidity Exposure & Hedged Balances

Currency Cash Balance (QAR Eq) Forecast Inflows Forecast Outflows Net Exposure Hedged Amt Unhedged Risk

Treasury Operations Efficiency

Idle Cash Balance QAR 0.0 M
Treasury Yield (Investment Return) 0.00%
Cost of Carry 0.00%
Largest Bank Concentration 0% (QNB)

Entity Liquidity & Performance Heatmap

Legal Entity Cash Balance 30-Day Outflows Coverage Days YTD OCF YTD FCF Total Debt WAPE Variance Liquidity Status

Group Intercompany Cash Sweeping & Pooling Optimizer

Cash-Surplus Entities (Lenders)

Cash-Deficit Entities (Borrowers)

Gross Funding Needs: QAR 0.0 M | Internal Sweeping Net Funding Needed: QAR 0.0 M
Cash Pooling Opportunity Detected

13-Month Forecast vs Actual Variance

Forecast Quality & Bias Rank

Entities ordered by forecasting reliability (WAPE criteria).
Rank / Entity Accuracy (1-WAPE) Avg Variance Forecast Bias

Line Item Forecast Accuracy & Bias Breakdown

Category / Line Item Forecasted Cash Actual Cash Variance Amount Accuracy (1-WAPE) Bias Interpretation

CFO / Treasury Thresholds Configuration

Configure metric risk limits. These thresholds immediately influence traffic lights, health ratings, and risk warnings across the dashboard.

≤ Red ≤ < Green
Target days to maintain essential supplier & operational outflows.
≤ Red ≤ < Green
Coverage safety factor of net operating cash flows versus debt principal and interest.
≤ Red ≤ < Green
≤ Red ≤ < Green
< Green ≤ ≤ Red

Hierarchical Cash Flow Statement

In-place expansion with multi-currency translation and eliminations
Click row to drill down to transactions
Cash Flow Node Type

Forecast & Scenario Studio

Unified workspace for creating scenarios, editing forecast grids, running AI roll-forward, and releasing versions.
Status: Draft Changes saved successfully.
Supporting Doc:
Forecast Sub-Item Entity Department Currency

Branch & Scale Scenario Data

Clone entries from a base scenario and apply scaling percentage modifiers.

Enter positive/negative percent, or 0 for direct copy.

Active Scenarios Master

ID Scenario Name Description

AI Rolling Forecast Generator

Auto-fit statistical models (Moving Avg, Exp Smoothing, Linear Trend, Seasonal Naive) on historical actuals.

Generated Drafts

Forecast Versions History & Releases

Version ID Version Name Status Horizon Period Attachment

Actual Cash Movements & Closings

Upload transaction files and manage fiscal period locks.

Import Actuals CSV

Upload transactional bank statements or ledger extracts. Rules will apply automatically.

Drag and drop files here, or click to browse

Expected Columns: transaction_key, entity, department, transaction_date (YYYY-MM-DD), gl_account_code, description, amount (positive = receipt, negative = payment), currency

Import Reconciliation History

Filename Date Imported Status Accepted Rejects

GL Account & Transaction Mappings

Direct actual transactions to cashflow statement lines.

Create Mapping Rule

Unmapped Transactions Queue 0

Imported actual transactions that failed mapping. Set up mapping rules above to resolve.

Date Entity GL Code Description Amount

Active Mapping Rules Registry

Entity GL Pattern Target Sub-Item Department Scope Priority Valid Period Actions

Forecast-versus-Actual Variance Analyzer

Analyze timing and volume variances with operational comments.
Period Cash Flow Line Forecast Actual Variance Variance % Driver Classification Management Explanation

AI Rolling Forecast Hub

Backtested time-series modeling for automated explainable forecast drafts.

Generate Drafts for Period Range

Run the forecasting algorithms to create explainable sub-item drafts for a range of future periods.

Scenario Generation Assumptions

Adjust percentage modifiers used to generate Optimistic and Downside scenarios when applying AI drafts.

% Increase (positive value)
% Reduction (negative value)
% Decrease (negative value)
% Increase (positive value)

AI Generated Drafts

Analysis Brain & Gemini AI Advisor

Hybrid local rule engine taught by Gemini AI for item-wise proactive financial recommendations.

Gemini AI Analysis & Teacher

Ask Gemini AI to analyze active cash flow filters and generate strategic item-wise recommendations to teach the local brain.

Click "Run Gemini Analysis" or "Teach Local Brain" to query Gemini AI and synthesize FP&A intelligence.

Learned Rules Repository

Rules synthesized by Gemini AI and stored in SQLite database (`cashflow.db`) to power local offline recommendations.

Category Sub-Item Condition Action Recommendation Source
Loading learned brain rules...

Approvals Workflow Inbox

Submit, review, publish, and audit forecast release stages.

Pending Actions Inbox

Execute Workflow Stage

Forecast Versions & Attachments

Active Scenario: Loading...

View all forecast versions, their current workflow status, download attachments, or upload support documents (optional).

Version ID Version Name Workflow Status Horizon Period Created By Attachment Filename Actions

System Security & User Management

Create users, assign scopes and roles, and view append-only audit trail logs.

Create System User

Registered Users

User Email Assigned Role Data Scope Scope Actions

Application Views & Role Permissions Matrix

A master mapping of navigation tabs and authorization rules across all system roles.

Application Section / View Group CFO Group FP&A / Treasury Subsidiary Finance Mgr Department Owner Actuals Accountant Auditor System Admin
Overview Dashboard
Cash Flow Statement
Forecast & Scenario Studio
Actuals & Close (Upload)
Mapping Rules Management
Variance Analyzer
Analysis Brain & Gemini
Workflow Inbox
System Security & Users
User Guides & Docs

Schedule Temporary Delegation

Delegate approvals or scopes during leaves.

Active Delegation Registry

From To Delegate Role Delegated Active Window Actions

Append-Only Security Audit Trail

Timestamp Actor Event Table Record ID Action Values Changes

Create Legal Entity

Legal Entities Master

ID Entity Name Local Currency Industry Actions

Create Department

Cost Centres / Departments Master

ID Department Name Actions

Create Project

Projects Master

ID Project Name Description Status Actions

Create GL Account

GL Accounts Master

ID Entity Account Code Account Name Actions

Create Sub-Item

Forecast Sub-Items Master

ID Sub-Item Name Main Line Entity Department Status Actions

Create Forecast Scenario

Forecast Scenarios Master

ID Scenario Name Description Actions

Simulated Email Outbox

This outbox lists simulated emails sent by the system (e.g. access credentials for new users, password reset links).

ID Sent At To Email Subject Message Body
Loading emails...

Scenario Modeling & Management

Create, edit, branch, copy, and scale scenarios for dynamic cashflow modeling.

Create Forecast Scenario

Copies all forecast entries from the selected scenario.

Bulk Copy & Scale Scenario Data

Enter positive/negative percent, or 0 for direct copy.

Wipe Scenario Data

Clear all entries in a scenario without deleting the scenario record.

Forecast Scenarios Master

ID Scenario Name Description Actions

MyFlow Analyst Knowledge Base

Detailed training procedures, tutorials, and system lineage maps for cash flow analysts.

Guide Directory

  • Updating Cash Flows (Step-by-Step)
  • Understanding CFO Liquidity Limits

Step-by-Step Procedure: Updating Cash Flows

As a Cash Flow Analyst, maintaining the integrity of our liquidity forecasts is critical for executive decision-making. Below is the precise procedure for uploading source worksheets and performing mid-cycle grid updates.

Step 1: Prepare the Source Excel Worksheet

Before launching the upload process, verify that your source spreadsheet (e.g., 16082026 CF Check.xlsx) is correctly formatted. The sheet columns must correspond to the target periods (e.g. 2026-07, 2026-08). Ensure all signs represent cash flow directionality correctly (inflows as positive, outflows as negative).

Step 2: Upload the Worksheet via Actuals & Close

Navigate to the Actuals & Close tab on the sidebar. Drag-and-drop your Excel worksheet into the secure upload dropzone, select the target scenario (e.g. AEE 2026/2027), and choose the correct draft version. Click Upload & Process. Review the audit logs to confirm that all 400+ lines were parsed with zero warnings.

Step 3: Perform Grid Adjustments in Scenario Studio

If there are manual adjustments or direct overrides required, navigate to the Forecast & Scenario Studio. Locate the search filter to query specific subitems (like Commercial Properties or Payroll). Modify forecast cell values inline. You must add cell-level assumptions to record audit trail reasons for any variance adjustments. Once complete, click Save Forecast Changes.

Forecast & Scenario Studio Grid
Figure 1.1: The Scenario Studio Grid workspace, showing dynamic subitem forecast inputs, inline commentary fields, and supporting document attachments.

Step 4: Verify Calculations in the Hierarchical Statement

Navigate to the Cash Flow Statement tab. Group, filter by Entity, and expand the collapsible tree structure (Operating, Investing, Financing). Cross-reference the rolled-up Projected Closing Cash with your local master sheet to ensure all multi-currency translation rates (USD/EUR to QAR) and intercompany transactions are dynamically aligned.

Hierarchical Cash Flow Statement
Figure 1.2: Hierarchical Cash Flow Statement showing multi-currency rolled-up nodes (Operating, Investing, Financing) and period-wise variance analysis.

FP&A Reference: CFO Liquidity Risk Model

MyFlow calculates risk controls dynamically based on the active entity profile and its fixed cash commitments, rather than generic hardcoded thresholds.

1. The MAX Formula for Minimum Cash

The system calculates required cash reserve threshold using:

Required Minimum Cash = MAX [Fixed Floor, Base Operating Buffer, Near-Term Committed, Stress Buffer]
  • Fixed Floor: QAR 50,000 baseline reserve.
  • Base Operating Buffer: Entity-specific coverage days (e.g. 20 days for Real Estate, 30 days for Automotive) times daily fixed outflows.
  • Near-Term Committed: Total essential outflows falling due in the next 30 days.
  • Stress Buffer: 1.5x multiplier applied to the base buffer.

2. Monitoring the Dashboard KPI Card

Verify cash adequacy on the main dashboard. If cash falls below the stress buffer, it is flagged as RED. If it drops below immediate 30-day committed payments (unable to cover basic payroll or rent), the status escalates to CRITICAL DEFICIT.

CFO Liquidity Dashboard
Figure 2.1: Overview Dashboard illustrating liquidity trends, KPI traffic lights, dynamic CFO reserve buffers, and advance corrective actions.