Trusted by 25,000+ startup founders, investors and CPAs
Quick Start Without The Blank Page
Megan Foster, NY
I didn’t have to build the model from scratch, so the blank-sheet stress disappeared fast. I had a usable bank forecast in one afternoon instead of spending a week just setting up tabs.
Safer Numbers, Fewer Mistakes
Daniel Reed, TX
The formula layout made it much easier to trust the file and avoid a broken cell throwing off the whole model. I caught issues faster and got my lender call scheduled with cleaner numbers.
Clear Assumptions In One Place
Priya Shah, CA
I could finally keep pricing, costs, and growth assumptions organized without jumping between messy sheets. That saved me hours and made the plan much easier to explain.
MODEL OVERVIEW
What Is the Bank's Financial Model?
The financial model of Bank is an editable forecast of Excel or Google Sheets, built around profit from profit from profit, financing costs, scenarios and three-pronunciation reports.
Use the workbook to plan how profits, balances of financing, interest spreads, interest-free income, operating costs, staff and capital needs will affect bank results.
The editable assumptions relate to monthly calculations and reporting so that changes in balance sheets, profits, funding rates, fees and operational contributions are updated by the forecast financial statements and management opinions.
Built for a spread-based banking economyThe balance of assets and principal liabilities leads to the calculation of interest; they are not counted as income alone.
ENGINE OF THE INCOME OF THE BIRD
How do You Calculate the Operating Revenue?
The model calculates interest income on balances and gains on fair value assets, subtracts financing costs and adds the assigned non-interest income to obtain income from banking activities.
01
Setup of Asset Balance
Average balances of mortgages, corporate loans, credit to consumers, cards, securities and other commercial assets shall be reported.
02
Apply Asset Profits
Each average profit-activity is multiplied by an annual profit and divided by 12 for monthly interest income.
03
Calculate Financing Costs
Application of annual funding rates to medium-sized deposits and other interest-bearing balances of financing, then distribution by 12.
04
Add Income Not Related to Business
Subtracting interest costs from interest income for NII, then adding monthly allocated fees and other non-interest-bearing income.
05
Operating Revenue
Total income from banking activities is equal to net interest income plus assigned non-interest income.
FORM OF CORRECTIONRevenue = interest income − Interest costs + Non-interest income
01 / ASSETS
How do the Game of Good and Profit Get in?
The asset view organises loans and other balances on fair value assets, category income and non-interest-bearing assets which form the basis for the calculation of the bank’s interest and income.
ASSETS
The asset view shows the editable balance, the results of the categories, the profit groups and the interest-free contributions.
02 / OPEX
How Was Operational Expenditure Planned?
The OPEX view separates the variable and fixed assumptions regarding operating costs, including timetable and periodicity, and therefore recurring bank costs consistently supply the forecast.
OPEX
The OPEX view separates variable cost drivers from scheduled fixed operating costs over the forecasting periods.
03 / SCENARIOS
What Can Be Compared to Scenario Analysis?
The Scenarios compared low, underlying and high cases with respect to the core bank income and profitability in the five-year forecast.
SCENARIOS
The scenarios report low, base and high revenue and resources of EBITDA.
04 / DASHBOARD
What Does the Distribution Board Have in Common?
The table includes a set of models, scenario checks, key financial indicators, revenue mix, profitability, cash flow and prospects for return on investment to the management review.
DASHBOARD
The data table consolidates configuration, scenarios, basic finances, revenue mix, profitability, cash flow and return.
FIT OF PRODUCTS
Is the Bank's Financial Model Suitable for You?
Where a credit institution has no other parent undertaking, the credit institution may not use a standard approach that is equivalent to the standard approach.
MODEL BY MADA READY
Good Example
Your plan models interest income from category balances and annual asset profits.
The costs of financing can be modelled from average balances and funding rates of categories.
You need a non-interest-free, operational, staff and capital-related assumptions.
You want five-year projections with scenarios, three statements and management reports.
CUSTOMS STRUCTURE
Consider Custom Pattern
The revenue logic uses significantly different assets, liability, or toll mechanics.
Your forecast requires additional bank schedules outside the current template's operating structure.
Your application requires a different statement, management or architecture of the decision analysis.
Time-frames, allocations or funding require structural changes rather than input editions.
The template is the starting point of planning, not a guarantee of performance.
FINANCIAL MODEL SERVICE
Do You Need a Model Built Around Your Requirements?
The Lab financial models can build or adapt a model when you need different revenue logic, operational schedules or financial reporting.
You will receive an editable financial model for Excel or Google sheets with five-year forecasts, scenario analysis and integrated financial reporting.
01
Editable workbook
Open and edit the model in Excel or Google sheets using your own assumptions.
02
year forecast 5
Work with five-year forecasts, which include monthly and annual forecasts.
03
Analysis of scenarios
Compare low, underlying and high cases with regard to key measures in the area of bank income and profitability.
04
Financial statements
Review of the integrated revenue account, cash flow, balance sheet, summary and management results.
BEFORE BUYING IMPORTANT INFORMATION
Bank Financial Model FAQ
The basic answers are visible in their entirety, without clicking on the accordion.
01
How does the model calculate bank revenue?
It calculates interest income at category level from average balances and annual profits, subtracts the financing costs of the category and adds the assigned interest-free income.
02
What are the assumptions I can change?
You can edit asset balances and financing, income from assets, funding rates, interest-free amounts, allocation schedule and budgetary framework of assumptions.
03
What do Low, Base and High compare?
The Scenarios compared alternative paths for interest income, net interest income, total income and EBITDA in the five-year forecast.
04
What financial results are taken into account?
The product presents an integrated income statement, cash flow, balance sheet, dashboard, summary, indicators, graphs and associated management reports.
05
Can the Financial Models Lab adapt it to its own requirements?
Yes. Financial Models Lab offers a custom financial modeling for buyers who need different revenue logic, operating schedules, or reporting structure.
06
Is this a forecast or a guarantee?
This is a planned forecast based on assumptions for the edition, not a guarantee of financial results or business results.
What Does the Bank Financial Model Contain?
This three statement financial model for banks connects your income statement, balance sheet, and cash flow statement into one cohesive and fully integrated tool.
All-in-one Dashboard
Core inputs and core outputs
Low/Base/High
Three scenario analysis
Professional Charts
Presentation ready
ROE Components
DuPont analysis
Revenue Inputs
Researched revenue assumptions
Bank-Ready Reports
Lender-friendly financial outputs
Revenue Breakdown
Revenue stream detailed view
KPI Dashboard
Performance metrics benchmark
Choosing a selection results in a full page refresh.
ASSETS
OPEX
SCENARIOS
DASHBOARD
