Bank Income Statement | tableau_exchange

Bank Income Statement

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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)

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