Neobank Pro Forma
Banking Excel Template (Free Download)
Project neobank customers, deposits, transaction revenue, lending economics, operating costs and funding needs from product assumptions.
professionals from Deloitte
About this pro forma
The full Excel model powers the pro forma through customer acquisition, active usage, deposits, interchange, subscriptions, lending balances and net interest income. Fraud, processing, support, compliance, engineering, marketing, headcount and funding remain linked to growth.
Use projected outputs to evaluate product mix, contribution margin, burn, runway and path to profitability. Founders, fintech operators, investors, lenders and FP&A teams can test adoption and monetisation scenarios.
What every model includes
Live formulas, no hardcoded values
Outputs are driven by live formulas, so the workbook updates from its assumptions instead of relying on hardcoded results.
All assumptions in one tab
Inputs are clearly marked in the Assumptions tab and separated from calculations, making it clear what to change and what to leave intact.
Statements always balancing
For integrated-statement models, the balance sheet, cash flow, and supporting schedules tie through properly.
Distinct schedules for clarity
Debt, working capital, taxes, and cash flow can get messy quickly. We group calculations in clear schedules, not across disconnected tabs.
No hidden macros or external links
There are no unexplained external workbook links or macros to undermine auditability or portability.
Changes flow through the model
Update a key driver and see the impact carry through the forecast, financing, and return outputs. We never use hardcoded numbers in formulas.
What's inside the Neobank Pro Forma
- Customer acquisition, activation and retention projections
- Deposits, balances and transaction-volume outputs
- Interchange, subscription and lending revenue
- Credit losses, fraud and payment-processing costs
- Headcount, marketing, compliance and operating expense
- Gross margin, EBITDA, burn, runway and funding outputs
Formatted to IB standards
Named theme colors repaint the whole workbook in one click, on top of an investment-banking structure with clear input, output, and cross-sheet reference styling - brand-ready, institutional-grade, and fully auditable.
Created by ex-finance professionals
Hey, I’m Alex and I created Finamodel.
Over my years in the finance industry I kept building the same models over and over again. Same structure, same assumptions, different logo. So I started building frameworks to turn them into clean, reusable templates.
Every model here is one I’d actually use for a client, and I personally vet each one before it goes up.
I’m not an expert in every industry, but I’ve built enough models to know what belongs in one. And when something is completely foreign to me, I reach out to my network for experts to work on our models with us.
Having a template library on hand cuts a first build from hours to minutes.
Need help finding your model? You’ll find me in the Finamodel app!
Frequently asked
What monetisation streams are included?+
Interchange, subscriptions, deposits and lending economics are projected from customer and product drivers.
Can I model customer retention?+
Yes. Acquisition, activation and churn assumptions determine active customers and usage.
Are fraud and credit losses included?+
Yes. Fraud, processing costs and lending losses flow into projected contribution margin and cash.
Who uses this pro forma?+
Neobank founders, fintech operators, investors, lenders and finance teams use it for planning.
Have more financial modelling questions? Contact us
