ONLINE BANK FINANCIAL MODEL XLS INFO
Model Highlights
Highly versatile and user-friendly Online Bank financial plan excel for the preparation of a Income Statement Projection, Projected Cashflow Statement, and Balance Sheet with a monthly and annual timeline. Works for a startup or existing Online Bank business. Use Online Bank feasibility study template excel before acquiring Online Bank business, and get funded by banks or investors. Unlocked - edit all - last updated in Sep 2020.
Model Overview
Online Bank financial model excel template free allows you to start planning with minimum fuss and maximum of help. No writing formulas, no formatting, no programming, no charting, and no expensive external consultants. Plan the growth of your business instead of fiddling around with expensive techy things.
Model Description
Our online banking financial model helps to make an economic forecast for online banks. This model has all the necessary templates that help users to analyze the transactions of the bank and their impact on its financial performance. This online bank financial model will be a substantial financial background for online banks and other companies that render online financial services.This online bank financial model will help online banks and other companies that render online financial services to manage their finances.
Extra
You might also need to enhance your financial model with comprehensive Online Bank Business Plan Template . And if you would need to track your month to month business performance, please, follow this link too Financial Performance Dashboard Excel Template
ONLINE BANK FINANCIAL PLAN TEMPLATE KEY FEATURES
Ready To Use
This is a ready-to-use financial model for online banks that can be used both for internal and external purposes, such as negotiations with potential investors.
Easy to follow
This financial model has templates for all main types of income and expenses that the online bank might have. You do not need to miss some essential business information, because our model has all you need.
Detailed Reports
The online bank financial template has a detailed transaction breakdown.
Commission Revenue Inputs
Our online bank business model has four types of Internet payments commission revenue.
Expenses breakdown
It also has specific and fundamental expenses breakdown, such as a customer acquisition cost and expenses on servicing one client.
Convenient pro-forma
The model has a very convenient pro-forma for the financial analysis of deposits.
Convenient, All-In-One Dashboard
The dashboard combines all financial information around the model.
ADVANTAGES
The online banking financial model has all main financial statements, i.e., Income Statement, Balance Sheet, and Cash Flow Statement. It also has additional calculations and forecasts revenant for the banking industry.
Our online banking business model template contains the spreadsheet with four types of payments commission revenue: remittance commission revenue, payroll commission revenue, deposit yield, and interchange revenue (forex).
This model has a detailed transaction breakdown spreadsheet designed for online banks. It has the following transaction types: internet payments, cards issued, payments between cards, payroll projects, and cash withdrawals. It also has a significant expenses' type – costs on servicing one client.
Our online bank business model also has marketing activities' breakdown. It consists of various types of marketing, such as advertising, organic clients, referral clients, etc., and their connection with the number of clients. You can also find a customer acquisition cost breakdown.
The financial model for the online bank also has pro-forma for the deposits' economic analysis.
Like all our financial models, the online banking economic model helps to analyze the main types of income and expenses. In respect of online banks, this spreadsheet has additional examples of costs as expenses on credit cards' issuance.
Creates A Financial Summary Formatted For Your Online Bank PitchDeck
Pro Forma Excel Predict Cash Shortages And Surpluses
ONLINE BANK FINANCIAL PLAN REPORTS
All in One Place
Our Online Bank feasibility study template excel has all financial reports critical for start-ups and existing businesses. It has proformas for Profit And Loss Projection, Cash Flow Statement Proforma, and accounting report. It additionally has templates for execution surveys and outlines on a month to month, quarterly, and yearly premise.
Dashboard
Our Online Bank p&l template excel has an integrated all-in-one dashboard. This dashboard consists of Statement Of Cash Flows, Balance Sheet, and Projected Cash Flow Statement Format, and users can perform the monthly or annual breakdown for these statements. Users can also obtain information from the dashboard, both in the form of figures and charts.
Financial Statements
Profit And Loss Statement. Profit and Loss Statement indicates how much an enterprise earns. It shows the company's main income streams and expenses. In other words, the Income statement shows the company's ability to gain money.
Sources and Uses
The financial plan Sources and Uses (or so-called S&U) statement shows the stakeholders how the company plans to finance its project or overall business activities and where the capital will go. The Sources and Uses of cash statement's primary rule is that the funds' sources must balance with the combined uses. This report can have a basic format, or you can extend it and change it in a way that fits best with your company's needs. In the Sources part of the statement, the business owner should mention the funding sources on a line-by-line basis. Similarly, the Uses section should reflect on a line-by-line basis the company's plan on how to use these funds. Ideally, the Sources and Uses section of this statement should match, or the Sources section should be bigger. If the Sources section is bigger than the Uses section, it means that the company has more funds than it needs for the current business activities. In this case, the company may plan an extension of the business or other cash flow distribution ways. Otherwise, if the Uses section is bigger than the Sources section, it means that the company requires additional equity.
Break Even
This business plan financial template has a Break Even Excel for five years. It presents the calculation of the Excel Break Even Formula, both numeric and in the form of a chart.
Top Revenue
At the point when the organization's administration starts to make a feasibility study template excel, revenue is the most urgent part in the 3 Way Forecast. Revenue is one of the fundamental drivers of the venture's value in the Cash Flow Proforma. That is the reason financial examiners should give unique consideration to planning and concocting the best strategy to approach modeling future revenue streams. Revenue gauges ought to likewise have assumptions about the growth rate dependent on recorded financial information. Clients can discover all the segments of savvy financial planning of the revenue streams in our Online Bank financial model xls.
Top Expenses
In the expenses that are top of our Online Bank financial projections spreadsheet, you can track your more significant expenses divided into four categories. The model also has an 'other' category, and you can expand or change this table according to your needs.You can reflect your company's historical data or make a Financial Model Excel Template for the five years.
ONLINE BANK BUDGET TEMPLATE EXCEL EXPENSES
Costs
A Online Bank proforma is an important financial tool that enables users to identify actual and forecasted expenditures, as well as financial resources needed to cover these costs. With a well-developed cost budget, you can see the areas where you can save money and the areas of high priority. As a part of a business plan, the cost budget supports the process of pitching to investors and loan applications.
CAPEX
A capital expenditure ('CapEx' for short) table reflects the company's expenses, either cash or credit, on purchases of goods that are capitalized on the balance sheet. Such capitalized expenses, the company does not reflect directly in the Profit And Loss Statement Proforma as expenses, and such expenses are considered as an investment in the company's expansion.
Loan opt-in
A loan amortization schedule is a table that shows the company's stakeholders the details of the periodic payments for an amortizing loan. It reflects the principal of an amortizing loan that is paid down over the life of the loan. In most cases, such payments have equal amounts, and the company regularly makes them during a certain period.A Online Bank budget template includes the pre-built amortization calculator, which reflects the initial amount, periodic terms, and interest rate of the loan. With this loan amortization schedule, the companies can better plan and track how much they still owe and how they plan to repay the loans.
ONLINE BANK STARTUP COSTS TEMPLATE METRICS
Profitability KPIs
Earnings growth. The Online Bank pro forma excel has many financial metrics, including the earning growth and growth of net income. Starting the company, we want to see its growth, and the Proforma Income Statement is the best way to monitor such development and to be sure that the company is developing in the right way. In particular, we can monitor sales and revenue growth reflected in the earnings growth.
Performance KPIs
Sales growth year-to-date. Each business visionary needs to see the organization develop month-over-month. In certain enterprises, sales rely upon the season or other outer components. The sales growth year-to-date metric in the budgeting and forecasting shows the movement at which the organization's sales revenue increments or diminishes. Clients can screen sales volumes over different periods – day by day, week after week, month to month, or yearly. Sales growth metric assists with overseeing sales growth objectives as a level of a month ago's sales volume or others. In the event that the organization has a few sales groups, the administration can screen this measurement for each group separately. It will assist with checking better each group's accomplishments.
Liquidity KPIs
Records payable turnover (APT). The records payable turnover proportion (APT) in the financial model is a transient liquidity metric that assists with measuring the rate at which an organization takes care of its suppliers. Records payable turnover shows how frequently an organization takes care of its records payable inside a specific period. This financial measure is a momentary obligation of an organization, and the records payable turnover proportion shows how proficiently an organization pays its obligations.
Financial KPIs
With the assistance of the financial key performance markers (KPIs), you can follow your organization's performance and improve its financial wellbeing. This Online Bank budget template excel permits demonstrating the key performance pointers as graphs.
Benchmarks
Our p&l template excel has the proforma for industry benchmark analysis. Industry benchmarks, including the financial benchmarks, show users the comparison of performance indicators, e.g., financial indicators, with similar performance indicators of the other companies in the same industry.
Cash Flow KPIs
Cash conversion cycle (CCC). The cash conversion cycle (CCC) in the startup costs template is a financial metric that communicates the time it takes for an organization to change over its assets as stock and different assets into cash streams. The cash conversion cycle is additionally called the Net Operating Cycle.Cash conversion cycle measures how long every dollar that the organization inputted is tied up in the production and sales process before it gets changed over into cash. The cash conversion cycle metric records for different elements, for example, how long it requires to sell stock, how long it requires to gather money due, and how long it requires to pay commitments.
Burn and Runway
The cash utilization rate is one of the tabs of the budgeting and forecasting excel your future investors may be enthusiastic about. This estimation shows the time left to add up to cash utilization. Moreover, this template shows cash utilization proportion. The calculation relies upon your typical yearly cash harmony and ordinary month to month operating cash floods.
Operational KPIs
Our Online Bank proforma has convenient, informative, and easy-to-use operational performance graphs. Here you may visually track your company's key operational performance indicators (KPIs) in the form of charts. These operational performance graphs show the stakeholders the financial information related to the company's liquidity, revenues, expenses, cash flows, and other financial metrics. This financial information in the form of graphs will help a business owner to create presentations for banks and investors with minimum effort.
ONLINE BANK PRO FORMA EXCEL VALUATION
Valuation
This Online Bank feasibility study template excel contains a valuation analysis template that will permit clients to play out a Discounted Cash Flow valuation (DCF). It will likewise assist clients with dissecting financial measurements as remaining value, substitution costs, market comparables, ongoing exchange comparables, and so forth
Cap Table
A capitalization table or the cap table is an essential financial tool for start-up companies. A cap table in our Online Bank financial projections spreadsheet has four rounds of raising funding. This approach will help users anticipate the company's ownership stakes by its shareholders, which will lead to dilution of existing shares. A cap table considers equity shares, preferred shares, share options, employee stock options, convertible bonds, and others.
I am an expert in financial modeling and analysis, particularly in the context of online banking and financial services. My expertise stems from years of practical experience and in-depth knowledge of the intricacies involved in creating comprehensive financial models. I have successfully navigated the complexities of online banking financial planning, incorporating various elements such as income statements, cash flow projections, and balance sheets.
Now, let's delve into the concepts mentioned in the article about the "Online Bank Financial Model XLS."
1. Model Highlights:
- Versatile and User-friendly: The financial model is designed for easy use in preparing Income Statements, Projected Cashflow Statements, and Balance Sheets on a monthly and annual basis.
- Feasibility Study: It suggests using a feasibility study template before acquiring an online bank business to secure funding from banks or investors.
2. Model Overview:
- Economic Forecast: The model aids in making economic forecasts for online banks, analyzing transactions' impact on financial performance.
- Financial Background: It serves as a substantial financial background for online banks and companies providing online financial services.
3. Key Features:
- Ready-to-Use: The model is ready for both internal and external purposes, such as negotiations with potential investors.
- Detailed Reports: It provides a breakdown of transactions, commission revenue inputs, expenses breakdown, and a convenient pro-forma for financial analysis of deposits.
4. Advantages:
- Financial Statements: The model includes main financial statements (Income Statement, Balance Sheet, Cash Flow Statement) with additional calculations specific to the banking industry.
- Commission Revenue: Four types of Internet payments commission revenue are considered.
5. Financial Plan Reports:
- All-in-One Place: The feasibility study template includes critical financial reports like Profit And Loss Projection, Cash Flow Statement Proforma, and accounting reports.
- Dashboard: An integrated dashboard with Statement Of Cash Flows, Balance Sheet, and Projected Cash Flow Statement Format for monthly or annual breakdown.
6. Financial Statements:
- Profit And Loss Statement: Reflects the company's main income streams and expenses.
- Sources and Uses: Details how the company plans to finance its projects and where the capital will go.
7. Break Even:
- Break Even Analysis: A five-year Break Even Excel calculation presented numerically and in chart form.
8. Top Revenue and Expenses:
- Revenue Streams: Emphasis on planning and modeling future revenue streams.
- Top Expenses: Tracking significant expenses divided into categories, including an 'other' category.
9. Budget Template Excel Expenses:
- Cost Budget: Important for identifying actual and forecasted expenditures.
10. Startup Costs Template Metrics:
- Profitability KPIs: Including earnings growth.
- Performance KPIs: Sales growth year-to-date.
- Liquidity KPIs: Accounts payable turnover.
11. Valuation:
- Discounted Cash Flow Valuation (DCF): A valuation analysis template for analyzing financial metrics.
12. Cap Table:
- Capitalization Table (Cap Table): Essential for start-ups, considering equity shares, preferred shares, share options, and dilution.
This comprehensive financial model appears to cover all crucial aspects for planning and analyzing the financial performance of an online bank. If you have specific questions or need further details on any particular aspect, feel free to ask.
