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Assumptions in One Place
Megan Turner, NY
The template turned a messy mix of pricing, costs, and growth inputs into one clean sheet. I saved about 6 hours on setup and could explain every assumption without jumping between tabs.
Cleaner Reports Fast
Daniel Brooks, TX
I stopped hunting through scattered files for statements and charts. Everything was already organized, so I pulled together a lender update in one afternoon instead of spending the whole day reconciling versions.
Margins Made Easy
Lauren Mitchell, FL
The model made profitability much easier to see, especially the margin and break-even view. That clarity helped me spot the weak spots early and walk into the meeting with a sharper plan.
MODEL OVERVIEW
What Is the Financial Model of the Bank of Hypothetic?
The financial model of Bank Mortgage is an editable five-year workbook that combines credit balances, profits, financing costs, toll revenues, scenarios and financial statements.
Use the workbook to plan how revenue, sources of financing, non-interest income, operating costs, staff, capital expenditure and financing influence the expected results.
Editable assumptions flow through monthly calculations to annual summaries, comparisons of scenarios, financial statements and management reports for the selected planning case.
Built for modelling balance sheetThe basic balances remain on the balance sheet; income comes from interest spreads plus modeled non-interest income.
ENGINE OF BANK REVENUE ON ACTIVITIES
How Does Mortgage Bank Calculate Revenue?
The model calculates monthly income from banking activities by offsetting interest on interest on fair value assets and then adding assigned non-interest income, such as fees.
01
Set Assets
Enter average income-changing assets balances and annual profits through the possibility of lending and investment.
02
Income from Interest
Multiply each average asset balance by annual profit, divided by twelve and the sum categories.
03
Cost of Financing
Application of annual funding rates to average interest rates, breakdown by twelve and total costs.
04
Add Other Revenue
The allocation allowed annual non-interest income over months, using the assumptions of the model on schedule or seasonality.
05
Operating Revenue
Subtract interest costs from interest income and add monthly non-interest income to total bank income.
FORM OF CORRECTIONRevenue = interest income − Interest costs + Non-interest income
01 / ASSETS
How Are the Wealth Balances and Income?
The balance sheet shall take into account balances on commercial assets, income from categories, other interest-bearing assets and annual non-interest-bearing income used to calculate bank income.
ASSETS
The Assets’ view shows the balances of loans, gains on assets, other assets of fair value and non-interest-free income.
02 / OPEX
How to Structure Operational Costs?
The OPEX card separates the drivers of variable costs from fixed costs, so operating expenditure is consistent with assumptions regarding modeling and time.
OPEX
View OPEX shows the percentages of variable costs, recurring fixed expenses, time and frequency.
03 / SCENARIOS
What Can Low, Basic and High Cases Compare?
The Scenarios compared low, base and high cases with regard to net interest income, interest income, comprehensive income and EBITDA as compared to the forecast.
SCENARIOS
The scenarios show low, base and high track charts for large incomes and results EBITDA.
04 / DASHBOARD
What Does the Dashboard Show on the Skeleton?
The data table presents selected assumptions, scenarios results, basic finances, revenue mix, profitability, cash flow and return in one management view.
DASHBOARD
The dashboard combines model settings, scenario results, basic finances and management charts.
FIT OF PRODUCTS
Is the Financial Model of the Mortgage Bank Suitable for You?
The ready model fits the planning of the balance sheet calculation, while in principle different revenue logic, timetables or reporting may require a non-standard structure.
MODEL BY MADA READY
Good Example
You plan interest income from balances of the category and annual gains on assets.
You model the financing balances and rates to calculate the monthly interest costs.
You add interest-free income, such as fees through annual editing assumptions.
You want five-year statements, low/Base/High scenarios, and reporting management.
CUSTOMS STRUCTURE
Consider Custom Pattern
Your income depends on off-balance sheet mechanics and assigned non-interest income.
Your assets, liability, funding or operational schedules require significant different structures.
Your notification requires different statements, scenario logic, or decision results.
Your model requires business rules or time logic not represented by this template.
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 check-out, you will receive a fully edited mortgage bank workbook with five-year projections, monthly details, scenario analysis and financial reports.
01
Editable workbook
Download the fully editable model and change the assumptions to your own plan.
02
year forecast 5
Review 60 months of forecast with monthly and annual financial details.
03
Analysis of scenarios
Compare low, base and high cases from the model scenario perspective.
04
Financial statements
Use Income Account, Cash Flow Statement, Balance, Dashboard and Summary.
BEFORE BUYING IMPORTANT INFORMATION
Bank Hypothetical Financial Model FAQ
The basic answers are visible in their entirety, without clicking on the accordion.
01
How does the mortgage bank's financial model calculate revenue?
It calculates monthly interest income by asset category, subtracts interest costs by funding category to obtain NII and adds the assigned non-interest income.
02
What are the assumptions I can change?
You can edit asset balances and profits, finance balances and rates, activated non-interest amounts, assumptions on terms and seasonality.
03
What scenarios do Low, Base and High allow me to compare?
They compare alternative paths for net interest income, interest income, total income and EBITDA in the whole forecast.
04
What financial results are taken into account?
In the Workbook There Is a Statement of Revenue, Statement of Cash Flow, Balance Sheet, Dashboard, Summary, Written and Additional Management Reports.
05
Can the Financial Models Lab adapt it to its own requirements?
Yes. The Financial Models Laboratory can build or adjust revenue logic, operational schedules and reporting around different requirements.
06
Is this a forecast or a guarantee?
This is a forecast based on assumptions for the edition, not a guarantee of financial results or business results.
What Does the Mortgage Bank Financial Model Contain?
This downloadable mortgage lending financial projection template includes everything you need to build a complete financial plan. You get a pre-built model with detailed assumptions, financial statements, and a dynamic dashboard, all ready for your inputs.
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
