Treasury Management Platform
Future state visibility, obligations, risk, and reconciliation
CFO Cockpit

Executive Treasury Dashboard

Primary CFO and Board cockpit for BSRM liquidity, obligations, FX exposure, facility utilization, decisions required today, and AI treasury recommendations.

Today · Live workshop data
Treasury Health Score
84 / 100
Good but watchlist active

Liquidity strong, FX and OD items need action

Liquidity Coverage
47 days
৳2,268 Cr available

Cash plus undrawn working capital lines

7-Day Obligations
৳70 Cr
Loan + LATR maturities

Immediate funding queue

30-Day Obligations
৳470 Cr
LC, BG, interest, debt

Includes ৳285 Cr LC settlements

FX Exposure
USD 24.5M
72% hedged

Scrap, billet, coal, and foreign loans

Facility Utilization
68%
৳1,020 Cr headroom

SCB LATR and HSBC OD require attention

Executive Action Center

ActionPriorityEstimated ImpactOwnerDue DateStatus
Settle STL-101 overdue amountCriticalAvoid past-due classification on ৳5 CrDebt DeskTodayEscalated
Approve EBL ৳100 Cr STL drawdownCritical৳1.5 Cr annual saving vs SCBCFOTodayAwaiting approval
Book USD 6.8M hedge coverHighProtects about ৳2.0 Cr downsideTreasury DealerTodayQuote ready
Renew BG-1101 for Chattogram PortHighAvoids shipment clearance disruptionTrade Finance7 daysIn progress
Pool idle cash from BSRM SteelMedium৳178 Cr redeployment opportunityCash Manager3 daysOwner assigned

Treasury Value Highlights

38 banks
Unified visibility

Single view across API, uploads, Oracle, and exceptions.

৳178 Cr
Idle cash identified

Cash available for redeployment or short-term return.

৳1.5 Cr
Borrowing optimization

Lower-cost drawdown decisions are visible to leadership.

12
Critical risks surfaced

Liquidity and compliance risks are visible before impact.

Decisions Required Today

DecisionOwnerTimingImpactStatus
Approve ৳100 Cr STL drawdown from EBL for BSRM CementCFOToday৳1.5 Cr annual saving vs SCBDecision
Book USD 6.8M forward cover for scrap and billet importsTreasury HeadTodayProtects ৳8.3 Cr downside at +৳3/USDDecision
Renew BG-1101 for Chattogram Port before expiryTrade Finance7 daysPrevents port clearance disruptionUrgent
Resolve HSBC payroll low-balance accountCash ManagerBefore EODAvoids payroll and admin payment riskUrgent

AI Treasury Advisor

Use EBL as first drawdown bank

EBL has ৳310 Cr available at 8.7%, the lowest rate in the funding set.

Recommendation
Business impact: Estimated annual saving of ৳1.5 Cr versus SCB.
Hedge the remaining USD exposure

USD 6.8M remains unhedged across scrap, billet, and coal import obligations.

Warning
Business impact: A ৳3/USD movement can create about ৳2.0 Cr immediate exposure.
Resolve HSBC OD concentration

HSBC OD utilization is 96% with only ৳2 Cr available for emergency funding.

Warning
Business impact: High risk of failed payments if collections slip.
Redeploy idle cash for short-term return

৳178 Cr idle cash is visible across BSRM Steel and BSRM Steels operating accounts.

Opportunity
Business impact: Potential monthly yield uplift of ৳0.7 Cr at current deposit rates.

AI Treasury Copilot

CFO priority sequence

Liquidity is healthy, but overdue STL, hedge gap, and BG renewal need ordering.

Copilot
Recommendation: Approve EBL drawdown, settle STL-101, then book USD hedge.
Projected impact: Protects ৳3.5 Cr in combined cost/risk exposure.
Board-ready liquidity message

Group has 47 days coverage and ৳1,020 Cr unused headroom.

Copilot
Recommendation: Frame treasury as controlled with four watch items.
Projected impact: Improves leadership confidence and decision speed.

Treasury Health Score Breakdown

FactorScoreWeightWeighted ScoreRisk Contributors
Liquidity88 / 10025%2247 days coverage; ৳1,020 Cr facility headroom
Debt76 / 10020%15.268% utilization; HSBC OD and SCB LATR pressure
FX72 / 10015%10.8USD 6.8M unhedged raw material exposure
Reconciliation91 / 10015%13.798.1% auto match; 345 exceptions
Compliance82 / 10015%12.3BG-1101 renewal and STL-101 overdue watch
Counterparty Risk79 / 10010%7.9HSBC/SCB concentration and City API timeout

Liquidity Coverage

SourceAmountCoverage
Cash on hand across BSRM entities৳1,248 Cr26 days
Undrawn working capital facilities৳1,020 Cr21 days
7-day confirmed obligations৳70 CrCovered
30-day LC/debt/BG obligations৳470 CrCovered with action
47 days coverage after confirmed obligations

Upcoming Obligations

ObligationDateAmountRisk
BSRM Steel STL Repayment · HSBC12 Jul৳ 45 CrScheduled
Scrap Import LC Settlement · SCB15 Jul৳ 82 Cr7/30 Day Watch
Chattogram Port BG Renewal · HSBC18 Jul৳ 5 CrScheduled
BSRM Cement Interest Payment · EBL20 Jul৳ 7 CrScheduled

FX Exposure Summary

CurrencyExposureHedgedSourceAction
USDUSD 24.5M72%Scrap, billet, coal importsCover USD 6.8M
EUREUR 3.2M60%European spares and equipmentReview policy gap
CNYCNY 2.8M45%Consumables and electrodesWatch only

Facility Utilization Summary

HSBC Bangladesh · BSRM Steel OD৳ 320 Cr / ৳ 500 Cr
Standard Chartered · BSRM Steels LATR৳ 310 Cr / ৳ 400 Cr
EBL · BSRM Cement STL৳ 290 Cr / ৳ 600 Cr
City Bank · BSRM Steel Mills CC৳ 210 Cr / ৳ 300 Cr
BRAC Bank · BSRM Power Term Loan৳ 180 Cr / ৳ 250 Cr

Liquidity Trend (30 Days)

Liquidity Trend
৳1,124 Cr to ৳1,248 Cr
+124 ৳ Cr
D-29 · ৳1,124 CrOpening month liquidityD-24 · ৳1,148 CrDealer collections improvedD-19 · ৳1,186 CrExport receipt postedD-14 · ৳1,162 CrLC settlement fundedD-9 · ৳1,208 CrEBL STL drawdownD-4 · ৳1,236 CrCollections ahead of forecastToday · ৳1,248 CrClosing cash positionD-29D-24D-19D-14D-9D-4Today

Debt Trend (12 Months)

Debt Trend
৳1,880 Cr to ৳2,180 Cr
+300 ৳ Cr
Jul · ৳1,880 CrBase working capital debtAug · ৳1,925 CrImport inventory buildSep · ৳1,980 CrLATR utilization increasedOct · ৳2,045 CrScrap shipment fundingNov · ৳2,110 CrCement coal importsDec · ৳2,180 CrCurrent utilized facilitiesJulAugSepOctNovDec

Cash Forecast Trend

Cash Forecast Trend
৳1,248 Cr to ৳1,203 Cr
-45 ৳ Cr
Today · ৳1,248 CrCurrent cashD+5 · ৳1,294 CrCollections expectedD+10 · ৳1,218 CrSupplier paymentsD+15 · ৳1,176 CrLC settlement windowD+20 · ৳1,204 CrIntercompany fundingD+25 · ৳1,222 CrDealer collectionsD+30 · ৳1,203 Cr30-day closing forecastTodayD+5D+10D+15D+20D+25D+30

Top Risk Interventions

BSRM Steel HSBC Payroll Below Threshold

Current ৳ 1.2 Cr vs minimum ৳ 3 Cr in payroll account

Critical
Payment Risk

Scrap Import LC Settlement Due Tomorrow

৳ 42 Cr settlement funding pending for LC-24034

Critical
Liquidity Risk

BG-1101 Expiry in 7 Days

Chattogram Port guarantee renewal required

Critical
Compliance Risk

Standard Chartered LATR 92% Utilized

Raw material import financing headroom is tightening

High
Funding Risk

Board Summary

BSRM Treasury is liquid and operationally controlled, with 47 days of liquidity coverage and ৳1,020 Cr facility headroom. Immediate management focus is USD hedging, OD pressure, LC settlement funding, and BG renewal.
Approve EBL-first borrowing strategy for BSRM Cement STL requirement.
Book forward cover for USD 6.8M unhedged raw material exposure.
Renew Chattogram Port BG before seven-day expiry window closes.
Move liquidity into HSBC payroll account before end-of-day processing.
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