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Excel for Banking and Financial Services Professionals: Daily Excel Work

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This guide is for people in the banking profession who use Excel every day. You will see every common file, the formulas people actually type, and downloadable templates with made-up Indian ₹ data. Related short lessons are linked — we do not re-teach them here.

What you'll learn

  • Which roles use Excel in banking
  • Every common Excel file type for this profession
  • Sample tables with realistic ₹ examples (made-up names)
  • Formulas: EMI, FOIR, DPD, Simple maturity and more
  • Ready templates you can download and reuse

Downloads: banking-profession-daily.xlsx (Loan calculator + FOIR scratch + my overdue list + cash difference log)

Example data only

All names, amounts, rates and dates are made up for practice. They are not real client or employer records. Follow your organisation's own rules and software for live work.

In short

One profession → many Excel files. Each file is one clear list. Yellow cells are inputs; green cells are formulas. Start with the Roles table, then open the matching template.

Why

Some topics already have a focused lesson. Use those for depth; use this guide for the full profession picture.

What

Chapter What it covers
Excel for Banking (full industry guide) Every bank file: KYC, loan book, EMI, NPA, cash, recon, FD, MIS.
22. KPI in All Industries (Banking) Short bank KPI list.
27. 20 Industry Projects Practice projects.

How

  1. Skim the link if you need that one skill.
  2. Come back here for the full file list and templates.

1. Who uses Excel

Why

This page is the job view. The industry guide is the full file library.

What

Role Typical Excel work
Credit officer Loan book, EMI, FOIR, overdue follow-up.
Branch operations Cash, clearing, bank recon, vault.
RM / liability desk FD maturity, renewals, cross-sell list.
Risk / audit support Exception list, NPA sample, recon breaks.

How

  1. Open the full industry guide: Excel for Banking — every file and template.
  2. Download industry templates from that page (KYC, loan book, EMI, NPA, cash, recon, FD, MIS).
  3. Use this page for the daily role checklist below.

2. Every common Excel file

Why

If you only learn one dashboard, you miss the daily registers that feed it.

What

File What one row / sheet holds
Loan calculator (one case) Principal, rate, tenure → EMI, total interest.
FOIR / eligibility scratch Income, obligations, proposed EMI.
Personal overdue call list My portfolio late EMIs for today.
My cash difference log Teller differences and reason codes.
Full industry pack KYC, loan book, NPA, cash, FD, MIS — in Excel for Banking.

How

  1. Pick the file that matches your role.
  2. Download the template that contains that sheet.
  3. Replace yellow sample rows with your practice data (still made-up if you share screenshots).

3. Formulas people use

Why

Typed numbers go stale. Formulas update when inputs change.

What

Name Formula What it does
EMI =PMT(rate/12,n,-pv) Monthly instalment.
FOIR =obligations/income Share of income already committed.
DPD =TODAY()-due Days past due.
Simple maturity =pv*(1+rate*years) Teaching FD maturity.

How

  1. Open the Formulas used sheet inside each template.
  2. Change only yellow cells.
  3. Watch green cells recalculate.

3. Credit officer daily Excel

Why

One late EMI missed is a customer call missed.

What

Loan calculator + personal overdue list (teaching stubs here; full book in industry guide).

How

  1. Download banking-profession-daily.xlsx.
  2. On Loan calculator, change principal (yellow); EMI recalculates with PMT.
  3. On My overdue list, sort DPD high to low.
  4. For the full branch loan book, use the industry Loan book template.
My overdue list — DPD formula

Figure. My overdue list — DPD formula

4. Ops and RM daily Excel

Why

Cash and maturities cannot wait for month-end.

What

Cash difference log and FD due-this-week stub.

How

  1. Log any cash difference with reason.
  2. Filter FD due in next 7 days for callouts.
  3. Full teller and FD sheets live in the industry guide.

5. Sheet previews

Why

See the layout before you open Excel.

What

Screenshots of the main sheets in the downloadable templates.

How

Scroll the figures, then download the matching .xlsx.

Loan calculator — PMT EMI

Figure. Loan calculator — PMT EMI

My overdue list — DPD formula

Figure. My overdue list — DPD formula

6. Common mistakes

Mistake What goes wrong Fix
Rebuilding the whole loan book on this short page You will miss NPA buckets and MIS. Use the industry guide templates for branch-wide files.
Typing EMI without PMT Rate change breaks advice to customer. Use =PMT(...).

7. FAQ

Where are the 4 big banking workbooks?

On the Excel for Banking industry page: /excel/excel-for-banking-every-file-formula-report-banks-use-templates/

Is FOIR a real bank rule?

Banks use FOIR-like ratios; limits differ by product. Numbers here are teaching examples.

8. Try at home

Try at home

  1. On Loan calculator, EMI for ₹5,00,000 at 10% for 60 months — read the green EMI cell.
  2. Open the industry guide and find the NPA sheet.

Recap

In short

  1. 4 roles use Excel in this profession.
  2. 5 common file types are listed above.
  3. 1 downloadable templates with yellow inputs and green formulas.
  4. Rates and rules here are teaching examples only.
  5. Use Related chapters for focused skills.

Quick revision cards

Quick revision

1 interview card, 1 comparison card and 1 revision card. Save on your phone or download as PNG. Numbers are made up for practice.

Interview card: What Excel file does a credit officer open first for late loans?
Card 1 of 3: Interview card – What Excel file does a credit officer open first for late loans? · Download PNG
Comparison card: This profession page vs Excel for Banking industry guide
Card 2 of 3: Comparison card – This profession page vs Excel for Banking industry guide · Download PNG
Revision card: EMI with PMT
Card 3 of 3: Revision card – EMI with PMT · Download PNG