Drawing power of an account is the amount that can be withdrawn from it. Generally, in a savings account this will be equal to your outstanding balance (amount of cash in the account). There are accounts with overdraft facility that can withdraw some more money in addition to their cash balance.
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Drawing Power
Drawing Power generally addressed as “DP” is an important concept for Cash Credit (CC) facility availed from banks and financial institutions. Drawing power is the limit up to which a firm or company can withdraw from the working capital limit sanctioned. Updating drawing power for working capital by the bank is an important credit monitoring exercise.

Understanding Drawing Power

Drawing Power is calculated after deducting margin from “Stock Less Creditors + Book Debts” for the month. Banks have a practice of updating drawing power based on monthly/quarterly closing stock-book debt and trade creditors’ statement submitted by the firm/company. In order to understand this better, we need to have a better understanding of what is “margin” and how DP is calculated.

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saldo dostępne (saldo autoryzacyjne, dostępne środki/stan konta/środki do dyspozycji) – jest to ogólna kwota postawiona do dyspozycji klienta. Wynika ona z salda księgowego, powiększonego o kwotę limitu kredytowego (o ile bank takowy udzielił) i pomniejszonego o ewentualne blokady.