# Banking Financial Model Templates

Free banking model templates in Excel for bank financials, net interest margin, loan books, and capital. Each download includes live formulas for the drivers specific to a lending institution.

Canonical: https://finamodel.com/templates/categories/banking

## Templates

- [Bank Loan Analysis Model](https://finamodel.com/templates/bank-loan-model) - Commercial bank loan origination and portfolio underwriting.
- [Credit Card Portfolio Model](https://finamodel.com/templates/credit-card-model) - Model credit card loan losses, interest revenue, and regulatory capital requirements.
- [Bank Capital Adequacy Model](https://finamodel.com/templates/bank-capital-adequacy-model) - Regulatory capital calculations and stress testing for banks.
- [Credit Rating Model](https://finamodel.com/templates/credit-rating-model) - Calculate credit metrics and probability of default to estimate debt ratings.
- [Neobank Operating Model](https://finamodel.com/templates/neobank) - 5-year digital-bank forecast: customer cohort, NIM, CET1 capital ratio, LTV/CAC, P&L and balance sheet.

## Frequently asked questions

### Are these templates really free to download?

Yes. Every template is a free Excel download with live formulas after email signup. No credit card or paywall is required. Click any template, enter your email, download the .xlsx file, and open it in Excel, Google Sheets, or LibreOffice.

### What does a bank model focus on?

Bank models project the loan and deposit book, net interest margin and net interest income, fee income, loan-loss provisions, and regulatory capital ratios - the metrics that drive a bank's earnings.

### Can I edit the models after downloading?

Yes. The free downloads are unlocked Excel workbooks with live formulas, no macros, and no password protection. You can change assumptions, add rows, relabel line items, and adapt the structure.