Commercial Bank Financial Model and Projections Template
Five-year projections, dashboard, P&L, cash flow, balance sheet, and three scenarios - pre-built in Excel and Google Sheets. Built for commercial banking analysis. Delivered as an instant download.
Trusted by 25,000+ startup founders, investors and CPAs
Blank Page To Draft Fast
Marcus Ellis, NY
This template got me past the blank-sheet problem and into real planning in under an hour. I had a working first draft ready the same day, which saved me from staring at an empty spreadsheet all morning.
Margins Made Easy To See
Lauren Mitchell, IL
I finally had a clear view of profitability without building every formula myself. The break-even section made the numbers easier to explain, and I booked a follow-up with my team the next day.
Simple To Test Every Case
Daniel Harper, TX
Low, base, and high scenarios were already set up, so I didn’t waste time rebuilding the same model three times. That cut my scenario work by a few hours and made the assumptions much easier to compare.
MODEL OVERVIEW
What Is the Financial Model of the Commercial Bank?
The financial model of Bank Handlowy is a five-year Excel workbook and Google sheets that provides for balance sheet revenues, monthly cash flow, integrated reports and three scenarios.
Plan the balances in the profit and loss account, the profitability of loans and securities, deposit and financing costs, interest-free income, operating costs, staff, capital needs and financial assumptions.
The assumptions concerning the balance sheet and interest rate shall be subject to monthly interest income, interest cost, net income, operating income, activity report, scenario analysis and reporting on the navigation desk.
Built for spread-based banking planningChange in the balance of assets, profits, balances of financing, financing rates, interest-free income, schedule and business assumptions and review their impact on bank income, liquidity and financial results.
ENGINE OF BALANCES REVENUE
How Does the Model of Economic Banks Calculate Operating Income?
The model calculates monthly interest income on income from assets, subtracts the costs of the percentage of financing to generate income from net interest and adds the assigned non-interest income.
01
Setup of Asset Balance
The average balances on assets with income and annual income by category for each tax year shall be reported.
02
Calculation of Income from Interest
It multiplys each average asset balance by annual profit and divides by 12 and then sums the categories.
03
Calculate Financing Costs
Apply annual funding rates to average liabilities balances by category and divide by 12.
04
Form Revenues with Net Interest
Subtract the total monthly cost of interest from the total monthly interest income to the net interest income calculation.
05
Total Operating Income
Add the monthly interest-free income allocated to the net interest income in respect of the total income from banking activities.
FORM OF CORRECTIONOperating income = interest income − interest costs + non-interest income
01 / ASSETS
How Does the Game of Founded Profits Get in?
The asset view organises loans and other active balances, category income and non-interest assumptions that are used to calculate the monthly bank income.
ASSETS
The Assets’ working sheet shows the balances of loans, gains on fair value assets and non-interest contributions.
02 / OPEX
How to Structure Operational Costs?
The OPEX view separates variable costs related to revenue from fixed operating costs and allocates the time or frequency of monthly forecasting.
OPEX
The OPEX worksheet shows variable cost rates, input data for fixed costs, time and periodicity.
03 / SCENARIOS
How Can we Compare Low, Basic and High Matters?
The scenario compares low, base and high paths for interest income, net interest income, total income and EBITDA throughout the forecast.
SCENARIOS
View analysis of Low, Base scenarios and High Bank Income and EBITDA pathways.
04 / DASHBOARD
What Does the Distribution Board Have in Common?
The dashboard combines a configuration model, scenario control, key bank metrics, revenue mix, profitability, cash flow and investments in one management view.
DASHBOARD
The table includes configuration controls, scenario outputs, KPIs banking, financial tables and management charts.
FIT OF PRODUCTS
Is the Financial Model of the Commercial Bank Suitable for You?
The ready model fits the spread-based forecasts of commercial banks; generally, different revenue logic, operational schedules, scenario design or reporting may require non-standard modelling.
MODEL BY MADA READY
Good Example
Your bank gains interest in different specific loans and other categories of income-assets with separate earnings.
Your funding plan uses deposits or other liability categories with the possibility of editing balances and annual rates.
You want to make a net income free from interest in the net income layer within the five-year forecast.
You need editable operating costs, staff, statements, low-base/high scenarios and reporting on the dashboard around these drivers.
CUSTOMS STRUCTURE
Consider Custom Pattern
Your basic banking income requires substantially different balance sheets, calculations, fees or funding mechanisms.
Your operation requires additional business schedules outside the workbook views.
You require a different scenario scheme, fiscal structure or management reporting structure.
Your internal definitions, capital structure or decision-making requirements require proper calculation logic.
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.
After you complete your order, you will receive an editable financial model of the Commercial Bank for Excel and Google sheets with five-year projections, scenario analysis, integrated declarations and reporting views.
01
Editable workbook
Download the fully editable model and replace the assumptions of bank planning with your own inputs.
02
Five-year forecast
The review projections for five financial years with monthly and annual details, if presented.
03
Analysis of scenarios
Compare low, base and high cases using the model scenario framework.
04
Financial statements
Review of the statement of revenue, cash flow, balance sheet, summaries, distribution panel and related analyses.
BEFORE BUYING IMPORTANT INFORMATION
Bank Economic Financial Model FAQ
The basic answers are visible in their entirety, without clicking on the accordion.
01
How are the operating incomes of the Economic Banks calculated?
It shall calculate the monthly interest income on average balances and profit on the profit and loss account, subtract the monthly interest expenditure on financing in order to create the net interest income and add the assigned non-interest income.
02
What are the assumptions I can change?
You can change average asset balances, income from assets, financing balances, funding rates, annual non-interest amounts, monthly allocations or seasonality and the schedule of the financial year.
03
What can I compare in Low, Base and High scenarios?
The scenario compares low, base and high paths for interest income, net interest income, total income and EBITDA throughout the forecast.
04
What financial results are taken into account?
The workbook contains a statement of income, a statement of cash flows, a balance sheet, a navigational desk, a summary, charts, KPIs, factors, break-even, ROIC, valuation and related views of the analysis.
05
Can the Financial Models Lab adapt it to its own requirements?
Yes. The financial models Lab offers custom financial modelling for various revenue logic, operational schedules, scenario design, or financial reporting requirements.
06
Is the workbook a forecast or a guarantee?
This is a planning forecast based on assumptions to be edited, not a guarantee of business results, profitability, financing, approval or returns.
What Does the Commercial Bank Financial Model Contain?
You get a comprehensive, pre-built financial model for commercial banking that includes everything from detailed assumptions to pro forma financial statements.
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
