Development bank financial model, built free.
A three-statement Excel model for a development finance institution, development bank or export credit agency, built from your own figures and checked to balance.
- Free account
- No card
- Usually ready within the hour
We use generative AI in parts of our process, so mistakes can occur. Every model should be checked by a person before it is relied on. Read more
Government-owned or multilateral lender that commits long-term loans, guarantees and equity to projects and exporters, funded by sovereign capital and bond issuance, usually tax-exempt and judged on sustainability rather than return on equity.
In short
- 01
Three linked statements
Income statement, balance sheet and cash flow, linked in every period.
- 02
Valued two ways
Discounted cash flow and trading multiples, side by side.
- 03
Monthly to annual
Monthly, quarterly, half-yearly or annual periods, for up to 30 years.
- 04
Checked every period
A Checks sheet shows the balance sheet balances and the cash reconciles.
The sample, as Excel draws it.
Built by the same system and checks as yours: its structure and its inputs, ready for your own figures.
The sample describes no real business. Yours is calibrated to your own figures, so its results are your business’s.
How the model works for a development bank.
- How it earns revenue3 formulasInvestment holdings · All investeesMarket value at the end of the periodMarket value at the start of the periodNet purchases / (sales) of investmentsFair value movementInvestment holdings · All investeesDividend and distribution incomeAverage market value × yearsDividend and distribution yield (per year)Investment holdings · All investeesAverage market value × yearsMarket value at the start of the periodMarket value at the end of the periodshare of the year
- What drives its costs3 formulasExpected credit loss and write-offs · All loan portfoliosClosing allowanceClosing gross loansfrom loan origination and runoffECL allowance coverage (% of gross loans)Expected credit loss and write-offs · All loan portfoliosCredit loss expense (net write-offs + change in allowance)Write-offs (net of recoveries)Closing allowanceOpening allowanceExpected credit loss and write-offs · All loan portfoliosWrite-offs (net of recoveries)Gross write-offsRecoveries
- What it invests in3 formulasCorporate fixed assetsCapital expenditureRevenuefrom statementsCapex as % of revenueAdditional planned capexCorporate fixed assetsDepreciationDepreciation of the opening asset baseDepreciation of new capexCorporate fixed assetsClosing net book valueOpening net book valueCapital expenditureDepreciation
- How it is funded3 formulasLoan origination and runoff · All loan portfoliosClosing gross loansOpening gross loansDisbursementsRepayments and prepayments (including loans written off)Loan origination and runoff · All loan portfoliosNet loans advanced (disbursements less cash repayments)Closing gross loansOpening gross loansWrite-offs (net of recoveries)from expected credit loss and write-offsLoan origination and runoff · All loan portfoliosDisbursementsDisbursed from commitments undisbursed at the start dateDisbursed from new commitments (by the profile)
23 parts, each one tested.
Every part is a tested building block with its own checks: yours is put together from the ones your business needs.
- CPI forecastConsensus curve with long-run anchor
- Exchange rate (US dollar)Exchange rate by financial year
- Operating expensesHeadcount build by function
- Corporate fixed assetsStraight-line over remaining life
- Equity raisingDistribution reinvestment plan
- Discounted cash flow valuationDCF on free cash flow to the firm
- Multiples valuationEV / EBITDA multiple
- Deposit growth and mixDeposit mix by productCustomer deposit balances by product and the interest paid on them.
- Wholesale funding and liquid assetsBond programme and sovereign fundingWholesale borrowings that fund the gap between assets and deposits plus equity, the liquid assets held for regulatory liquidity, and the interest on both.
- Capital adequacy (CET1)CET1 roll-forwardCommon equity tier 1 capital, total risk-weighted assets and capital ratios, and the surplus available for dividends or the shortfall to be raised.
- Liquidity ratios (LCR and NSFR)Simple liquidity ratiosRegulatory liquidity ratios computed from the forecast balance sheet — the liquidity coverage ratio and the net stable funding ratio, or simpler liquidity holdings for small banks.
- Guarantees, credit insurance and contingent exposuresFee on exposure with expected claimsOff-balance-sheet guarantees, letters of credit and export credit insurance — the exposure, the fees or premiums earned on it, and the claims paid and provided for.
- Interest-rate hedgingHedged share at a fixed rate
- Lender and bank key metricsNIM bridge by driverNet interest margin, spread, cost-to-income ratio, loss rate and returns for banks and lenders, and their drivers.
- Key-metric summaryLast-twelve-month and run-rate metrics
- Case selectionStackable stress toggles
- Interest-rate forecastMarket forward curve
- Investment holdingsMarket value growth × dividend yieldValue, income and fair-value movements of listed and unlisted investments held on balance sheet.
- Risk-weighted assetsStandardised risk weights by bandCredit risk-weighted assets for each loan portfolio.
- Loan origination and runoffCommitments, disbursements and grace periodsGross loans rolled forward from new lending, scheduled repayments, prepayments and write-offs.
- Loan yield and interest incomeBase rate plus marginInterest income earned on each portfolio from its yield, repricing and fees.
- Lending fees and chargesCommitment and front-end feesFee income on a loan portfolio — establishment and application fees, monthly account fees, line and commitment fees on undrawn limits, late and default fees, discount and service fees on invoice finance, and early repayment charges.
- Expected credit loss and write-offsAllowance coverage and write-off rateCredit loss expense, the expected credit loss allowance held against loans, and write-offs.
The numbers it tracks.
- 01commitments
- 02disbursements
- 03loan and guarantee book
- 04impairment coverage
- 05funding raised
- 06capital utilisation
- 07operating result
- 08liquidity
What it is used for.
- Budget and rolling forecastGuide · Cash flow forecast
- Operating forecastGuide · Financial projections
- Scenarios and sensitivities
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Looking for a development bank financial model template? Ours arrives built for your business, with your figures in it.
See a finished model, sheet by sheetThe sample is built on illustrative figures and describes no real business. Models are calculations prepared from the information you provide. They are not financial advice and must be independently verified. See our terms.