Debt & Funding
Facility & Debt Management Dashboard
Central command center for sanctioned limits, utilization, expiry risk, repayment obligations, and borrowing cost optimization.
Today · Live workshop data
Approved Facilities
৳ 3,200 Cr
38 banking partners
Group sanctioned capacity
Total Utilized
৳ 2,180 Cr
68%
Working capital pressure rising
Available Capacity
৳ 1,020 Cr
৳ 310 Cr at EBL
Lowest-cost source available
Average Cost
9.35%
↓ 18 bps
Weighted borrowing cost
Funding Value
৳1.5 Cr
Cost saving
EBL-first borrowing reduces cost versus SCB.
৳310 Cr
Lowest-cost headroom
Available EBL limit supports lower-rate drawdowns.
৳1,020 Cr
Funding capacity
Undrawn facilities remain visible for liquidity planning.
AI Treasury Copilot
Optimize drawdown mix
EBL has lowest rate and ৳310 Cr available while SCB is near warning utilization.
Recommendation: Route new STL funding through EBL before SCB.
Projected impact: Estimated annual saving of ৳1.5 Cr.
Watch covenant utilization
SCB LATR and HSBC OD are approaching internal pressure bands.
Recommendation: Start limit enhancement discussion and shift incremental utilization.
Projected impact: Preserves emergency liquidity headroom.
Bank Wise Facilities
| Bank | Limit | Utilized | Available | Rate | Utilization |
|---|---|---|---|---|---|
| HSBC Bangladesh · BSRM Steel OD | ৳ 500 Cr | ৳ 320 Cr | ৳ 180 Cr | 9.5% | |
| Standard Chartered · BSRM Steels LATR | ৳ 400 Cr | ৳ 310 Cr | ৳ 90 Cr | 10.2% | |
| EBL · BSRM Cement STL | ৳ 600 Cr | ৳ 290 Cr | ৳ 310 Cr | 8.7% | |
| City Bank · BSRM Steel Mills CC | ৳ 300 Cr | ৳ 210 Cr | ৳ 90 Cr | 9.8% | |
| BRAC Bank · BSRM Power Term Loan | ৳ 250 Cr | ৳ 180 Cr | ৳ 70 Cr | 9.2% |
Upcoming Repayments
| Date | Facility | Amount |
|---|---|---|
| 12 Jul | BSRM Steel STL Repayment · HSBC | ৳ 45 Cr |
| 15 Jul | Scrap Import LC Settlement · SCB | ৳ 82 Cr |
| 18 Jul | Chattogram Port BG Renewal · HSBC | ৳ 5 Cr |
Renewals
HSBC BSRM Steel OD · 20 Days
EBL BSRM Cement CC · 35 Days
Standard Chartered Scrap Import LATR · 45 Days
Treasury Recommendations
Drawdown Source
EBL has ৳ 310 Cr available at 8.7% for BSRM Cement STL funding. Suggested first drawdown source.
Renewal Risk
HSBC BSRM Steel OD expires in 20 days. Initiate renewal process.
Facility Utilization Trend
Facility Utilization Trend
58% to 68%
+10 %
Working capital pressure increasing