Bank, cash & PDC

Where the AED 312,600 sits today, whether the books agree with the bank, and every post-dated cheque in and out.

Emirates NBD synced 9:00 AM · Mashreq 8:45 AMReconciled by Joseph Mathew

Petty cash Review 2 bank lines September reconciled

September is 98.6% reconciled. 140 of 142 Emirates NBD lines match the books. Two small card and bank-charge lines (AED 420) need a decision before the month can be locked.

Review 2 lines

September reconciled and locked. 142 of 142 lines matched at 10:52 AM. Bank and books agree at AED 378,810.00 on 30 Sep.

15 Oct is a busy bank day. Deposit Spice Route's cheque #445201 (+46,935) the same morning our rent cheques #000318 and #000319 are presented (−42,000). Keep at least AED 42,000 in Emirates NBD ••4521 that day.

Set deposit reminderReminder set for 15 Oct, 8:00 AM

Emirates NBD ••4521
AED286,060
2 lines to reviewReconciled 30 Sep140 / 142 lines142 / 142 lines
Main account · WPS, clients, suppliers

Mashreq ••0937

AED18,340

Synced 8:45 AM18 lines, all matched

Secondary · card & online payments

Petty cash floats

AED6,200

4 holders · of AED 10,000 floats · 1 claim pending

Cash in hand

AED2,000

CountedOffice safe · 30 Sep

Joseph Mathew & Asha Varghese

September reconciliation · Emirates NBD ••4521

Statement 1–30 Sep imported from the bank feed · matched by reference, amount and rules

OpenLocked 10:52 AM

98.6%

100%

Statement lines142

Matched140142

To review20

Auto-matched131

Balance per bank statement · 30 Sep378,810.00
Balance per books · 30 Sep379,230.00378,810.00
Difference · 2 card and bank-charge debits not yet in the books−420.00
Difference0.00
Since 30 Sep · WPS salaries 1 Oct (auto-matched)−92,750.00
Balance todayAED 286,060.00

To review

26 Sep · POS ••8857 ACE HARDWARE AL QUOZ
Faisal Khan's debit cardno bill uploaded yet
Suggested: site consumables · TS-26-017

−315.00Review
5 Sep · CHQ RETURN CHG 100562
Bank fee for Bean Theory Café's bounced cheque
Suggested: bank charges · re-bill to client

−105.00Review

Mashreq ••0937 · September

All 18 lines matched

Reconciled 30 Sep

Recently matched

Bank line ↔ ERP record

Date	Bank narrative	Matched to	How	AED
30 Sep	TT IN ATLAS LOGISTICS FZE✓ INV-TS-26-0085	INV-TS-26-0085	Reference	+8,221.50
30 Sep	TT OUT SKYLINE SCAFFOLDING✓ PAY-TS-26-0084	PAY-TS-26-0084	Reference	−2,677.50
29 Sep	CHQ DEP 204418 AL NOOR MEDICAL✓ INV-TS-26-0086	INV-TS-26-0086	Amount	+10,290.00
29 Sep	DD DEWA / DU MONTHLY✓ PAY-TS-26-0083	PAY-TS-26-0083	Rule	−1,650.00
28 Sep	TT OUT ENOC FLEET✓ PAY-TS-26-0082	PAY-TS-26-0082	Rule	−4,200.00
24 Sep	TT IN GULF HORIZON PROP✓ INV-TS-26-0079	INV-TS-26-0079	Reference	+103,351.50

A locked month cannot be edited — corrections go into the next month with an audit note. Payments

Petty cash floats

AED 6,200 left of 10,000

Open

Mohammed Rafiq · TS-26-014 · float 3,0001,240

Ramesh Thapa · TS-26-017 · float 2,000860

Vignesh Raman · site engineer · float 2,0001,600

Office safe · float 3,0002,500

PC-TS-26-0231 · Ramesh Thapa · AED 185 waiting for approval Claims

Coming up at the bank

Emirates NBD ••4521 · next 3 weeks

8 Oct · Urban Threads (promised)
INV-TS-26-0084 · expected
+40,446
8 Oct · Payment run
Star Hardware SH-2214
−4,200
12 Oct · LHP Metals & Glass
INV-MG-26-0031 · inter-company
−42,000
15 Oct · Deposit #445201
Spice Route advance
+46,935
15 Oct · Rent cheques
#000318 warehouse · #000319 labour camp
−42,000
18 Oct · Cheque #000317
Desert Aluminium
−11,340

Full schedule to 1 NovCash flow

A PDC is a promise, not cash

Every cheque in the register feeds the 13-week forecast, so a cheque is never presented against an empty account. Three of ours clear between 15 and 18 Oct.

All 5 Issued 3 Received 1 Bounced 1

PDC register

Post-dated cheques we issued and received · cheque book #000301–000350

Next leaf #000320

Cheque	Type	Cheque date	Amount (AED)	Status
#445201 · Spice Route Hospitality LLCINV-TS-26-0091 · TS-26-020 advance 15% · drawn on Emirates Islamic	Received	15 Oct	46,935.00	In safe · deposit 15 OctReminder set	Remind me
#000318 · Al Quoz Properties LLCWarehouse 14 rent · Q4 (Oct–Dec)	Issued	15 Oct	22,500.00	PDC issued
#000319 · Muhaisnah labour accommodationEXP-TS-26-0412 · labour camp rent, Q4 · cheque to sign	Issued	15 Oct	19,500.00	Pending approval	Approve
#000317 · Desert Aluminium ProfilesDAP-7781 · LPO-TS-26-115 · supplier prefers PDC	Issued	18 Oct	11,340.00	PDC issued
#100562 · Bean Theory CaféINV-TS-26-0076 · final balance · deposited 5 Sep	Received	5 Sep	5,600.00	Bounced · insufficient funds	Chase

We pay 53,340 We collect 46,935 Bounced 5,600

A bounced cheque can be executed through the courts as a civil claim.

Accounts & signatories

Printed on invoices and LPOs · changes need both partners

Company settings

Emirates NBD · current ••4521: AE07 0260 0010 1234 5674 521
Mashreq · current ••0937: IBAN ending 0937 · cards & payment links
Signatories: Both partners · joint above AED 25,000
Bank feeds: Statement 6:00 AM · intraday 9:00 AM

September reconciled · 142 of 142

The card purchase was posted to TS-26-017 and Faisal Khan was asked for the bill. The AED 105 cheque-return fee goes on Bean Theory Café's statement. September is locked.

Audit log

Deposit reminder set · 15 Oct, 8:00 AM

Joseph Mathew gets a WhatsApp to deposit cheque #445201 (AED 46,935) at Emirates NBD. You'll be told when it clears, usually the next working day.