BankEdge Margin Review

Margin Summary
2.15
Total Rate
Limit Fee 1.00%
Margin 1.15%
Undrawn Fee 0.50%

Facility Details
$30
Facility Limit
Facility Limit $30,000,000
Drawn $25,500,000
Facility Term 3.00 years

Other Fees
7.5
Fees
Approval Fee 7.5pts / year
Roll-over Fee nil
Other Fees nil

Financial Performance
Scenario Base Case Performance
Source Management Financial FY2019
Analysis Date 31-Dec-2019
1.25
Remaining Term

Company Risk Grade

S&P: BBB CBA: C3

Risk Estimation Model

Financier

Review of historical margins
20.4
Excess Margin over Fair Return
26
Calculated Bank Return
1.35
% Fair Margin
@ 30-Jun-2018 calculated @ 14.0% RoE

Scenario Pricing Date: 31-Mar-2018

Margin Summary
2.25
Bank Proposed
Limit Fee 1.00%
Margin 1.15%
Undrawn Fee 0.50%

Facility Details
2.25
Bank Proposed
Facility Limit 1$35,000,000
Drawn $35,000,000
Facility Term 4.00 years

Other Fees
5.0
Proposed Fees
Approval Fee 5.0 pts / year
Roll-over Fee nil
Other Fees nil

Financial Performance

Company Risk Grade

Financier

Chart 2
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