Product P&L
See how product decisions move revenue, costs and contribution.
CURRENCY
Currency sets the display unit; no FX conversion. Product amounts are monthly.
Net profit / month$375,000
View breakdown ↓Lending
Term or instalment lending. Spread economics after funding and credit loss.
NET PROFIT
$375,000
per month
Profitable at these drivers. Test the risk lines before you scale.
Interest incomebal × yield ÷ 12$2,800,000
Interest expensefunding × CoF ÷ 12−$825,000
Net interest income$1,975,000
Fee income$500,000
Operating income$2,475,000
Operating expenses−$1,200,000
Operating profit$1,275,000
Net credit loss−$900,000
Net profit$375,000
Simple spread
9.5%
Net interest margin (ann.)
9.9%
Credit-loss ratio (ann.)
4.5%
Risk-adjusted margin
5.0%
Op profit lost to risk
70.6%
SCENARIOS · ONE MOVE AT A TIME · MONTHLY DELTA VS BASE
Cost of funds +100 bps−$183,333 → $191,667
Credit loss +50%−$450,000 → −$75,000
Yield −100 bps (competition)−$200,000 → $175,000
WHAT TO WATCH
Risk-adjusted margin is 5.0% after funding and credit losses. Test higher funding costs: liabilities may reprice faster than loans.
Model the whole bank P&L · For detailed models: BNPL economics · Merchant acquiring.