Notional pool is designed as required by a corporate group, without the need to transfer in actual cash between different corporate settlement accounts. ICBC calculates the deposit interest or loan interest by netting the balance and overdraft in each settlement account.

   ★　Combined interest calculation, improving interest income and expense. 
Under combined interest calculation, interest is calculated on the net position after netting the positive, negative balance of member accounts in the pool in order to narrow the deposit-loan interest spread, reduce interest expense.

   ★　Internal pricing, strengthening internal management.. 
Group internal management is clearer by estimating the cost for each member account against headquarters according to the account balance size.

   ★　Liquidity sharing, reducing external debt.
Notional pool under liquidity sharing mode enables sharing of amount in all the internal accounts of the Group to raise fund internally instead from outside.

   ★　Day overdraft, reducing cost of fund transfer.
Liquidity cost is reduced since each member account can use the shared liquidity of other accounts without actually transferring any fund.