Comprehensive 3-Statement Financial Model for Banking Business ( Suitable for Traditional and Digital Bank )

Description
The Comprehensive financial model for Banking is an interactive, flexible, easy to update and understand model. The model is structured into Inputs, Calculation, Monthly Financial Statement and Yearly Financial Statement Tabs. The model also has an interactive dashboard allowing users to see the key items at a glance for presentation purposes. The model has a dedicated tab for unit economics calculation to allow users understand the scalability and economic feasibility of banking business.


Given the core of banking business is loan creation, the model has been logically built  with the key assumption of funding from debt raise, equity, deposit to form the funding source from which loans will be created. The model also assumes loan products along the line of Consumer credit, MSME credit, Asset Financing and Other Micro Loans. All of these credit products have their independent schedules allowing for easy update by prospective users.


The model has a dedicated monthly financial statement ( Income statement, cash flow statement and Balance sheet) tab showing the financial performance of the business on a monthly basis over the life time of the model. In addition to this, the model also summarizes output the financial statement outputs in a yearly format.


Lastly, the model has a tab where all unit economics concepts like ARR, ARPU, CAC, collection ratio etc are calculated