Bank Loan Portfolio Analysis Template for Excel

Key benefits & value for accountants and analysts

The bank loan portfolio analysis template converts raw loan records into decision-ready information. It saves time, reduces spreadsheet errors and standardizes reporting across branches and teams.

Business outcomes you can expect

• Faster reporting: Cut monthly portfolio consolidation from days to hours by using pre-built mappings and pivot-ready sheets.
• Clear risk signals: Automatic default-rate calculation and concentration indicators that highlight vulnerable sectors or borrower segments.
• Better pricing decisions: Weighted yield and cost-of-funds comparisons to support repricing or provisioning conversations.
• Regulatory readiness: Exportable reports that align with common supervisory metrics and audit trails for all calculations.

Use cases & real-life scenarios

Monthly credit committee pack

An analyst imports the ledger, filters by branch and vintage, and produces an executive summary showing NPL movement, sector concentration and yield evolution — all in one workbook ready for presentation.

Stress testing & scenario analysis

Use the scenario sheet to apply GDP or unemployment shocks to PD buckets and see the impact on expected losses. Results update across dashboards without rebuilding formulas.

Portfolio cleanup & strategy

Identify over-exposed industry sectors and low-yield segments. The template provides sortable lists and suggested action points (e.g., tighten covenants, increase pricing, or re-allocate capital).

Who is this product for?

This bank loan portfolio excel template serves:

• Accountants and financial controllers preparing monthly loan reports.
• Credit risk analysts conducting PD/LGD studies and concentration analysis.
• SME banks and branch managers needing quick insights without BI systems.
• Consultants and auditors who require transparent, auditable calculations.

How to choose the right version

We offer multiple delivery options so you only pay for what you need:

• Standard (XLSX): No macros, full compatibility with Excel for Windows/Mac. Best if you need immediate, secure use in locked environments.
• Advanced (with VBA): Includes import automation, slicer buttons and export macros — choose this if you need recurring automation.
• Customized (hourly service): Request bespoke mappings, additional KPIs or local regulatory fields. ProXlsx also offers hourly implementation and data-cleaning services.

If you are unsure which version fits your environment, choose Standard and upgrade later; customization and migration services are available.

Quick comparison with typical alternatives

Compared with ad-hoc spreadsheets: our template removes duplication, reduces manual joins and centralizes logic. Compared with full BI systems: you get lower cost, faster deployment and full control inside Excel.

• Ad-hoc spreadsheets: Faster and more robust than in-house manual work but requires proper data import to avoid garbage-in.
• Business Intelligence platforms: Better for enterprise-wide dashboards, but higher cost and longer implementation time; this template is the practical middle-ground for banks and finance teams.

Best practices & tips to get maximum value

• Standardize loan ledger columns (account id, customer id, sector code, balance, interest rate, status, date) before import for instant mapping.
• Keep a raw data sheet unchanged; use the template’s mapping sheet to transform data — this keeps an audit trail.
• Use the Advanced VBA version if you run runs weekly imports; it saves repetitive work and reduces human error.
• Document any manual adjustments in the notes sheet — auditors and managers appreciate transparency.

Common mistakes when buying/using loan portfolio templates and how to avoid them

• Buying a generic template: Avoid templates without sector or PD segmentation — ensure the file supports the dimensions your bank tracks.
• Skipping validation: Always validate totals vs. core ledger after import; the template includes a reconciliation sheet for this reason.
• Ignoring compatibility: If your team uses older Excel versions, choose the Standard (no macros) edition to prevent blocked macros or security prompts.

Product specifications

• File format: .xlsx (Standard) or .xlsm (Advanced with VBA)
• Compatibility: Excel 2016+ (Windows & Mac). Macros require Excel for Windows or enabled Mac versions.
• Sheets included: Data import, Mapping, Portfolio dashboard, PD/LGD buckets, Scenario analysis, Reconciliation, Notes & User guide.
• Formulas: Transparent cell formulas (no external plugins). PivotTables and slicers included.
• Automation: Optional VBA for import/export and report generation.
• Delivery: Instant download after purchase + email with user guide and sample ledger.
• Support: 7 days of email support; hourly customization services available.

Frequently asked questions