Bank Long-Term Plan Model
Five-year integrated bank planning model. Lending engine, deposits, treasury, capital and regulatory, executive KPI dashboards. Single timeline. Single scenario switch.
Who it's for
Bank FP&A leads, Finance Directors, ALM and Treasury teams at community and regional banks. Bank consultancies supporting mid-market clients. Built for the gap between Excel templates and £500k enterprise planning systems.
What's in the model
Time / Control
Shared timeline, period flags, day count conventions.
Lending
Cohort × calendar month engine by product. Origination, prepayment, default, recovery, provision. NII, fees, cost of funds, NIM. Vintage curves and portfolio composition.
Deposits
Book by product (instant access, notice, fixed term). Pricing tab with deposit beta logic. Maturity profile and repricing gap.
Treasury / IRRBB
Yield curve, forward rates, MTM. DV01, hedge effectiveness, ALM gap report.
Capital & Regulatory
Capital base build (CET1, T1, Total). Credit, market, op risk RWA. Capital ratios with MDA trigger. Five-year capital plan.
Integrated
Consolidated P&L, BS, CF. Ten independent scenario switches. KPI dashboard. Data export for board pack.
INPUTS & CHECKS
Single INPUTS tab for all assumptions. Forty integrity checks on the CHECKS tab.
What makes this different
Single source of truth
All modules reference one timeline and one scenario selector. Change scenario once and every output across every module updates.
No circular references
Capital constraint references prior period, not current. Interest on opening balance, not closing. Built to recalculate cleanly with iteration off.
Forty integrity checks
All must pass before the model is presented externally. Same standard used at top-tier banks.
Real bank P&L structure
NII, fees, cost of funds, opex, provisions, tax — the standard FP&A layout, not a generic three-statement.
ALM-grade treasury
Real DV01 calculation, real hedge effectiveness ratio, real EVE/NII shock scenarios.
Specifications
Excel (.xlsx) · 18+ tabs · ~6,000 formula cells · same-day delivery · includes 2 hours of email support
14-day money-back guarantee · same-day delivery · secure checkout via Lemon Squeezy
Frequently asked questions
How long to set up the first run?
Around two to four hours to populate INPUTS with your bank's data. Two hours of email support included to help with the first run.
Does it cover stress testing?
High-level scenario flexing yes (the ten toggles on the Integrated module). For full ICAAP/CCAR-grade stress testing, see our separate Bank Stress Test Model.
Does it cover ECL / provisions?
Provision rate is a flexible input. For full PD/LGD/EAD or stage migration, see our separate IFRS 9 / CECL model.
Refund policy?
14-day money-back guarantee.
About SFS Models
SFS Models builds institutional-grade Excel financial models for banking and finance professionals. Our models are used by FP&A, Treasury, ALM and Capital teams at US and UK regional banks, by PE firms, and by corporate finance consultancies. Open formulas, no VBA, fully auditable. Built by practitioners.