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	EXECUTIVE SUMMARY						Commercial Bank
	Financial Model Overview ($mm)
	($mm)	FY2024	FY2025	FY2026	FY2027	FY2028	FY2029
	KEY P&L METRICS
	Net Interest Income	$610	$680	$775	$932	$1,210	$1,723
	Total Non-Interest Income	$370	$382	$392	$403	$414	$425
	Total Revenue	$835	$894	$1,010	$1,170	$1,449	$1,964
	Total Operating Expense	$789	$835	$863	$892	$922	$954
	PPNR	($179)	($155)	($89)	$40	$287	$769
	Provision for Losses	$145	$168	$157	$165	$174	$184
	Net Income	$35	$44	$110	$208	$395	$758
	KEY BALANCE SHEET
	Total Assets	$23,500	$24,550	$25,433	$26,520	$27,770	$29,299
	Gross Loans	$17,500	$18,550	$19,570	$20,647	$21,782	$22,980
	Total Deposits	$18,000	$18,900	$19,751	$20,639	$21,568	$22,539
	Total Equity	$3,200	$3,270	$3,242	$3,377	$3,634	$4,126
	KEY RATIOS
	NIM	2.76%	2.93%	3.20%	3.68%	4.54%	6.14%
	Efficiency Ratio	94.49%	93.40%	85.44%	76.26%	63.66%	48.56%
	ROAA	0.15%	0.18%	0.43%	0.79%	1.42%	2.59%
	ROAE	1.08%	1.35%	3.40%	6.17%	10.87%	18.36%
	CET1 Ratio	12.48%	11.95%	11.53%	11.06%	10.56%	10.01%
	NPL Ratio	1.20%	1.20%	1.10%	1.10%	1.10%	1.10%
	Loan-to-Deposit	97.22%	98.15%	99.09%	100.04%	100.99%	101.96%
	LCR	336.35%	320.59%	302.33%	290.49%	284.81%	290.66%
	MODEL INTEGRITY
	Checks Passed	10	of 10
	Checks Failed	0
	Balance Sheet Check	OK	OK	OK	OK	OK	OK
	Source: Underlying model sheets  |  Sample data for illustration  |  13-Feb-2026