*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](https://www.youtube.com/watch?v=1nfERblGptc)

### 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)

Bank Income Statement

Assess the bank’s revenues, costs and overall profitability

Corporate Finance