Financial Services Sector — Excel Template

Track margins, liquidity, and banking unit economics—right in Excel. Built for banks, credit unions, and fintech lenders, this template converts monthly financials into a board-ready dashboard showing Revenue Growth, GP/EBIT/EBITDA/Net Profit, OCF, Current Ratio, Debt-to-Equity, Net Interest Margin (NIM), Fee Income Ratio, and Loan-to-Deposit Ratio (LDR)—so you can protect capital and grow returns.

Why finance teams choose this template

All-in-one view: Income statement, cash flow, balance-sheet health, and core banking KPIs in one workbook.
Actionable margin control: See how OPEX and funding costs impact EBIT/EBITDA and NIM.
Capital discipline: Monitor LDR and D/E to balance growth with liquidity and risk.
Excel-native: Paste your data and go—no add-ins or BI setup required.

KPIs included (ready-made formulas)

Income Statement & Profitability

Total Revenue; Revenue Growth % (MoM)
COGS, Gross Profit, Employee/Admin/Selling/Marketing → Total OPEX + OPEX Breakdown
Depreciation & Amortization, Operating Profit (EBIT), EBITDA, Interest Expense, Other Inc/(Exp), Taxes, Net Profit
Gross Profit Margin %, Operating Profit Margin %, EBITDA %, Net Profit Margin %

Liquidity & Cash Flow

Operating Cash Inflow/Outflow → Net Operating Cash Flow (OCF) = Inflow − Outflow
Current Ratio = Current Assets ÷ Current Liabilities
Debt-to-Equity = Total Debt ÷ Total Equity

Operational (Banking)

Net Interest Margin (NIM) = (Interest Income − Interest Expense) ÷ Average Earning Assets
Fee Income Ratio (%) = Fee-Based Income ÷ Total Revenue × 100
Loan-to-Deposit Ratio (LDR %) = Total Loans ÷ Total Deposits × 100

What’s inside

Executive Dashboard: Tiles for Revenue Growth, GP/EBIT/EBITDA/Net Profit, OCF, Current Ratio, D/E, NIM, Fee Ratio, and LDR with trend & variance to target.
OPEX & Funding Analyzer: Drill into operating costs and interest expense drivers.
Balance-Sheet Panel: Loans, deposits, liquidity, and leverage at a glance.
Targets & Assumptions: Enter KPI targets; automatic Above/Below Target highlighting.
Clean Data Sheets: Import-ready tables for IS, Cash Flow, Balance Sheet, Interest Income/Expense, Fees, Loans & Deposits.

How it works

Paste monthly actuals (or CSV exports) into the provided tables.
Set margin, liquidity, and capital targets.
Review visuals to optimize pricing, costs, and balance-sheet mix.

Benefits

Protect margins & cash: Monitor EBITDA %, NIM, and OCF in real time.
Strengthen the balance sheet: Track Current Ratio and D/E for resilience.
Grow sensibly: Use LDR and Fee Ratio to guide product and funding strategy.
Decide faster: Investor-ready visuals with transparent formulas.