Trusted by 25,000+ startup founders, investors and CPAs
Clear Direction For Investors
Megan Carter, NY
I finally knew what to show lenders and what the model needed to answer. It saved me two days of guesswork and gave me a clean structure for our bank conversation.
Safer Spreadsheets, Fewer Errors
Daniel Brooks, IL
One broken formula used to make me nervous about every forecast. This template kept the math organized, so I didn’t spend half a day tracing errors before sending the file.
Fast Forecasts Without The Grind
Priya Shah, TX
Building the bank projections by hand would have taken me most of a week. Using this template cut it down to a few hours and let me move on to the loan package.
MODEL OVERVIEW
What Is the Financial Model of the Savings Bank?
This is an editable five-year Excel workbook that modeles savings spreads, toll revenues, monthly forecasts, scenarios and related financial statements.
Use the workbook to plan how the acquisition of assets, the balances of financing, interest rates, fees, operating costs, staff and capital needs influence the savings bank’s forecast.
The establishments to be edited shall relate to monthly calculations, low/basic/high scenarios, income account, cash flow account, balance sheet and management reporting opinions.
Built for spread banksThe main balances remain on the balance sheet, while revenues, financing costs and fees affect operating revenue.
ENGINE OF BANK REVENUE PRINCIPLES
How Does the Savings Bank Calculate Revenue?
The model calculates monthly interest income on balances and gains on fair value assets, subtract financing costs and then adds the assigned interest-free income.
01
Assets
It fixes average mortgages, business and consumer credit balances, cards, securities and other economic assets.
02
Assets’ Profits
Adjust the annual yield of each category to the average balance and divide by twelve.
03
Financing Costs
Application of annual funding rates to medium-sized deposits and other interest-bearing liabilities, then broken down by twelve.
04
Add Fees
Allocation allowed annual categories of non-interest income over months, using the assumptions of the timetable model.
05
Operating Revenue
Subtract interest costs from interest income and add non-interest income for total income from banking activities.
FORM OF CORRECTIONRevenue = interest income − Interest costs + Non-interest income
01 / ASSETS
How Are They Doing, Okay?
The asset balance sheet specifies the balances of the categories and annual gains on loans and other gain on income, with a line of annual non-interest income.
ASSETS
The asset view shows the editable balance, annual profits, other income assets and non-interest income fields.
02 / OPEX
How Are They Modelled at Operating Costs?
The OPEX card separates variable expenses from fixed costs and defines these assumptions for monthly operational forecasts.
The Scenarios have compared low, base and high cases in terms of net interest income, interest income, total income and EBITDA over five years.
SCENARIOS
View scenarios for Low plots, Base, and High paths for key incomes and profitability results.
04 / DASHBOARD
What Does the Dashboard Contain?
The table includes control of scenarios, basic bank results, revenue mix, profitability, cash flow and return on investment in one management view.
DASHBOARD
The data table consolidates scenario settings, basic finances, revenue mix, cash flow, profitability and return.
FIT OF PRODUCTS
Is the Financial Model of Bank of Savings Suitable for You?
It fits buyers using asset profits at the level of category, financing costs, fees and standard bank forecasts; generally different mechanics may require structural non-standard work.
MODEL BY MADA READY
Good Example
The income is expected to be derived from interest on average balances and profits on earnings and categories.
You model interest costs from deposits and other balances of financing from annual rates.
You add a fee or other non-interest income through annual funds and monthly allocation.
You want five-year projections with scenarios and related financial statements.
CUSTOMS STRUCTURE
Consider Custom Pattern
Your revenue depends on banking mechanics outside balance sheets, profitability, financing costs and fees.
You need operational schedules that are significantly different from the banking structure and model costs.
You require reporting logic except for confirmed statements, scenarios, dashboard and complementary reports.
You need a structurally adjusted model instead of editing the provided assumptions and categories.
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 financial models of Lab can build or adapt a model when the revenue logic, work schedules or reporting requirements differ from the final structure.
You will receive an immediate, fully edited savings bank workbook with five-year monthly forecasts, scenario analysis and related financial reports.
01
Editable workbook
Open and change the provided Excel assumptions for the savings bank plan.
02
year forecast 5
Review of monthly and annual forecasts throughout the five-year model period.
03
Analysis of scenarios
Compare low, base and high cases through a special view of the script.
04
Financial statements
Use the related income account, cash flow account, balance sheet, dashboard and follow-up reports.
BEFORE BUYING IMPORTANT INFORMATION
Bank Oscibilities Financial Model FAQ
The basic answers are visible in their entirety, without clicking on the accordion.
01
How does the model calculate the savings bank revenue?
It shall calculate monthly interest income on average balances and profit on the profit and loss account, subtract interest financing costs and add assigned non-interest income.
02
What are the assumptions I can change?
You can edit asset balances, income from categories, balances and funding rates, non-interest income, monthly deadlines and assumptions of the tax year.
03
What can I compare in Low, Base and High scenarios?
The Scenarios compared alternative paths for net interest income, interest income, comprehensive income and EBITDA in the forecast.
04
What financial results are taken into account?
The product shall contain a statement of revenue, a statement of cash flow, a balance sheet, a dashboard, a summary, indicators, valuation and other related reports.
05
Can the Financial Models Lab adapt it to its own requirements?
Yes. The financial models Lab offers a custom financial modeling when different revenue logic, operational schedules, or reporting structures are needed.
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, financing, profitability or returns.
What Does the Savings Bank Financial Model Contain?
This downloadable savings bank financial model includes everything you need to build a comprehensive financial plan from the ground up.
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
