Bank Income Statement

An income statement is one of the major financial statements of a bank and shows the company’s income and expenses during a particular period. It indicates how the interest and noninterest incomes are transformed into net income.

This Tableau Accelerator allows you to:

• Appraise your financial results (income & expense): Income Statement, Waterfall, Annual Report, Branches
• Leverage what-if analysis to simulate different business scenarios and explore possible outcomes on your bottom-line results

Demo video

Answer key business questions

• What are the results and performance of the bank?
• Which branches drive this performance?
• What would be the impact of a 2.5% growth in net interest income on our bottom line results?
• How much income has the bank generated?
• How does it trend?

Monitor and improve KPIs

Client Assets & Liabilities

• Total Loans: Total amount of money loaned at interest to borrowers (expressed in currency)
• Total Deposits: Total amount of money placed in a bank account (expressed in currency)

Interests

• Total Interest Income: Total income generated by Interests over the period, i.e. earned by lending money (expressed in currency)
• Total Interest Expense: Total costs incurred for borrowed funds over the period (expressed in currency)
• NII (Net Interest Income): Total amount of the difference between the interest income earned from lending activities and the cost incurred for borrowed funds (expressed in currency)

Noninterest

• Noninterest Income: Total income that noninterest-related activities have generated over the period (expressed in currency)
• Total Revenue: Total amount of the net-interest income and non-interest income over the period (expressed in currency)
• Noninterest Expense: Total operating expense that is classified separately from interest expense and provision for credit losses (expressed in currency)
• Provision: Expense set aside to allow for uncollected loans and loan payments (expressed in currency)

Income

• Income Before Income Taxes: Net income after payment of all operating expenses, except income tax (expressed in currency)
• Total Income Taxes: Total levy imposed on the basis of income received (expressed in currency)
• Net Income: Total amount of the difference between income from lending activities and all the associated expenses, taxes included (expressed in currency)

Efficiency Ratios

• Loan-to-deposit Ratio: Assess the bank’s liquidity by comparing its total loans to its total deposits. The ideal loan-to-deposit ratio is 80% to 90% (expressed in %)
• NIM (Net Interest Margin): Amount of money that a bank is earning in interest on loans compared to the amount it is paying in interest on deposits (expressed in %)
• Efficiency Ratio: It shows how well back-office expenses are controlled, by dividing non-interest expenses by revenues. The lower the efficiency ratio, the better (expressed in %)

Required attributes

• Month (date): Date of the period
• Branch (string): Designation of the branch
• Measure Name (string)*: Name of the measure
• Measure Breakdown (string): Level of detail you want to add to your measure
• Measure Value (numeric)*: Amount associated with the “Measure” attribute

* [Measure Name] is an attribute where specific values are expected. For each [Measure Name], the corresponding value must be set in [Measure Value] attribute

Expected values in [Measure] attribute:

• “Loans”: Amount of money loaned at interest to borrowers (expressed in currency)
• “Deposits”: Amount of money placed in a bank account (expressed in currency)
• “Interest Income”: Income generated by Interests over the period, i.e. earned by lending money (expressed in currency)
• “Interest Expense”: Costs incurred for borrowed funds over the period (expressed in currency)
• “Noninterest Income”: Income that noninterest-related activities have generated over the period (expressed in currency)
• “Noninterest Expense”: Operating expense that is classified separately from interest expense and provision for credit losses (expressed in currency)
• “Provision”: Expense set aside to allow for uncollected loans and loan payments (expressed in currency)
• “Income Taxes”: Levy imposed on the basis of income received (expressed in currency)