Episode 3: How to Build a Treasury Bot for Investment Tracking Without Coding

In treasury, tracking investments efficiently is crucial but often involves manual work in Excel or outdated systems. This guide shows you step-by-step how to create a Treasury Bot for investment tracking—without coding or IT support—using Power Automate, Excel Online, Microsoft Teams, and Power BI for real-time analytics, integrating features from a Treasury Management System (TMS).

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Tools You’ll Need

• Microsoft Power Automate: A no-code automation tool that connects apps and services.
• Microsoft Excel/Google Sheets: For data management.
• Microsoft Power BI: For data visualization and reporting.

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Step 1: Define Your Investment Tracking Needs

Before automating, list what you need to track:

• Investment types (bonds, deposits, MMFs, FX deals, derivatives, structured products, etc.)
• Maturity dates
• Interest rates and yields
• Counterparties
• Cash flows (inflows/outflows)
• Market benchmarks and deviation tracking
• Risk exposure and hedging status
• Settlement Instructions and counterparties’ payment preferences
• Compounded interest rate tools (Lookback, Lag days, Spread adjustments)

Your goal is to ensure the bot provides dynamic real-time tracking, risk alerts, and comprehensive reports.

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Step 2: Setting Up Your Data Source

Organize your investment data in an Excel or Google Sheets spreadsheet. This should include:

Investment Type	Amount	Interest Rate	Start Date	Maturity Date	Settlement Instructions
Money Market	10,000	3%	01/01/2025	01/02/2025	Bank Transfer

This file will be the core of your bot, automatically updated with market rates and new deals.

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Step 3: Automate Investment Tracking with Power Automate

1. Creating the Bot with Microsoft Power Automate

• Sign in to Power Automate and go to “Create”.
• Choose Automated Flow.

2. Set Up Triggers and Actions

• Trigger: “When a new row is added to Excel” (or Google Sheets).
• Action 1: Calculate compounded interest using predefined formulas.
• Action 2: Update Excel with calculated values.
• Action 3: Send a notification email.

3. Fetch Market Data for Comparison

• Integrate an API like Alpha Vantage or Bloomberg Data Feed using the HTTP Request action in Power Automate and create a step. If not available, you may skip this step and you’ll need to manually feed with market data.
• Compare investment rates against market rates using the “Condition” action.
• If a deviation exceeds a set threshold (e.g., 0.5%), trigger an alert.

4. Incorporating Compounded Interest Rate Calculations

• Formula: Use Excel’s formula to calculate compounded interest.Formula: A = P(1 + r/n)^(nt)Where:
  • A = amount of money accumulated
  • P = principal amount
  • r = annual interest rate
  • n = number of times interest applied per time period
  • t = time periods elapsed
• Automation: Use Power Automate to automate these calculations whenever new data is added.

5. Risk Exposure Alerts & Hedging Suggestions

• Implement “Condition” actions to check if exposure exceeds a predefined limit.
• If exceeded, trigger a Teams Message with recommended hedging actions.
• Example: “FX Exposure on EUR/USD exceeds 5M. Consider a forward contract hedge.”

6. Managing Deal Rollovers

• Rollover Logic: Define criteria for deal rollovers (e.g., maturity dates).
• Automate Rollovers: Use Power Automate to trigger actions for deal rollovers.
• Set conditions based on maturity dates.
• Update records and notify relevant parties.

7. Handling Settlement Instructions

• Define Instructions: Clearly define settlement instructions in your data source (Excel)
• Automate Settlements: Use Power Automate to concatenate SSI and your database, generate an XML file with payments for maturing deal.
• Example Flow:
  • Trigger: Maturity date reached.
  • Action 1: Extract settlement data from Excel.
  • Action 2: Extract maturing deals from database.
  • Action 3: Generate XML
  • Action 4: Notify treasury team and send the payment file.

8. Send Alerts in Microsoft Teams and Email

• Add the “Post message in a chat or channel” action for Teams.
• Choose your Treasury team/channel.
• Write a message like: “Reminder: The following investments are maturing soon: [list of deals]. Review hedging strategy as needed.”
• Alternatively, use the “Send an email (Outlook)” action for email notifications.

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Step 4: Automate Advanced Investment Reports in Power BI

To create real-time dashboards:

1. Use the “Refresh a dataset” action in Power Automate to trigger Power BI updates.
2. Design Power BI visuals:
   • Investment Maturity Heatmap
   • Market Rate vs. Investment Rate Comparison
   • Exposure Risk Dashboard
   • Compounded Interest Rate Analysis Panel
3. Embed reports in Microsoft Teams for easy access.

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Step 5: Enable User-Friendly Investment Updates

To allow non-technical users to update investments:

• Use Microsoft Forms for easy data entry.
• Create a Power Automate Flow that adds form responses to Excel automatically.
• Add a PowerApps Interface for direct data input and analytics access.
• Enable Deal Rollovers and Settlement Instruction Customization through interactive PowerApps components.

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Results & Benefits

✅ No more manual tracking – The bot ensures real-time updates. ✅ Market-aware decisions – Compare against benchmarks instantly. ✅ Proactive risk management – Alerts and hedging suggestions. ✅ Custom settlement instructions – Automate SSI updates based on counterparties. ✅ Compounded interest calculations – Precision in investment profitability. ✅ No IT required – You control the process within Treasury. ✅ Seamless reporting – Automated Power BI dashboards keep management informed.

This Treasury Bot goes beyond simple tracking—it enhances investment decision-making with automation and analytics, incorporating TMS functionalities like compounded interest tools, deal rollovers, and settlement management. Try it and elevate your treasury operations today!