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The global credit crisis has caused many business owners to review their situation and wonder what the future holds.

With Westpac being 1 of only 20 banks worldwide with a Standard & Poor's AA rating, you can save and invest with us, with utmost confidence, knowing that we:

• Have no direct exposure to the US subprime market
• Continue to record strong growth over the past 12 months despite economic uncertainty
• Are Australia's first bank with over 191 years experience helping Australians manage their money - through good times and bad.

We've identified 10 Smart Cash Flow Moves that will equip you to continue banking with confidence.

#1 - Think cash flow, cash flow, cash flow

Cash flow is the very life-blood of any business. Unfortunately, it can be the first thing to come to a screeching halt when grim economic forecasts hit the radar. Therefore, your number 1 strategy in the current market should be to act early before cash flow pressure harms your ability to do business.

The smart money?

• Make cash flow your business' number one priority.
• Develop a cash flow budget that records the amount of money that flows in and out of your business, so you can forecast the availability of cash for given timeframes
• Understand the difference between cash flow (day-to-day expenses) and profits (used to pay back debt and support long-term growth).

Like to know more moves?

Download and read the full list of Smart Cash Flow Moves.

	Smart Cash Flow Moves (PDF 437kb)
	Smart Cash Flow Moves (RTF 205kb)

Personal banking customers

For the latest personal banking information read about our Smart Money Moves.