business plan voor de bank

Hoe stel je een business plan op?

financieel plan business plan

Wil je een eigen zaak opstarten? Dan heb je ook een business plan en een financieel plan nodig. Een business plan of ondernemingsplan is een strategisch plan dat je inzicht geeft in de haalbaarheid van je idee.

Het bevat de doelstellingen van je onderneming en een strategie om die binnen een bepaalde termijn te behalen. Maar wat zijn de voordelen van zo een plan en hoe stel je er een op ? In dit artikel krijg je heel wat handige tips om zelf aan de slag te gaan.

Waarom een business plan opstellen?

In de eerste plaats is een business plan handig voor jezelf . Je krijgt een duidelijker beeld van je concept en je plannen. Daarnaast word je gestimuleerd om na te denken over zaken waar je misschien zelf nog niet aan gedacht had. Ten tweede is een business plan onmisbaar als je investeerders of banken over de streep wilt trekken. Het geeft hen een beeld van hoe je de toekomst van je zaak ziet en hoe je die wilt verwezenlijken. Maar ook nadat je gestart bent, kan zo’n plan handig van pas komen. Je kunt ermee aftoetsen of je op schema zit. Zo kun je nagaan waar het is misgelopen en indien nodig je plan bijsturen. Ten slotte kan een business plan ook dienen als handige leidraad voor toekomstige beslissingen .

Tip: Gebruik het Business Model Canvas als basis Weet je niet waar je moet beginnen? Geef je plan vleugels met het Business Model Canvas . Download de gratis template en teken in 9 onderdelen de basis voor je business plan uit.

Wat staat er in een business plan?

Hoewel er geen vaste structuur bestaat, zijn er enkele basiselementen die altijd terugkeren. Ontdek ze hieronder.

1. Beschrijving van je product of dienst

Start je business plan met een beschrijving van je product of dienst. Verwoord kort maar krachtig waarom je anders bent dan je concurrenten en wat je ambitie is.  Probeer vooral om je lezer warm te maken voor je concept of je idee. Vergelijk het gerust met een elevatorpitch : in een halve minuut moet je kunnen zeggen waarvoor je staat en hoe je een antwoord biedt op een specifiek probleem.  

2. Je bedrijfsgegevens

Geef een korte voorstelling van je zaak, jezelf en je motivatie. Dit is handige informatie voor de bank en je potentiële investeerders . Het vormt zowat het cv van je onderneming .

3. Missie en visie

Een missie beschrijft waarvoor je als onderneming staat. Wat wil je betekenen voor je klanten? Met je visie geef je aan welke richting je uit wilt. Hier omschrijf je dan ook wat je binnen 3 tot 5 jaar wilt bereiken. In je strategie ten slotte, beschrijf je op welke manier je dat precies wilt doen.

4. Marktanalyse

Je marktanalyse vormt de voedingsbodem voor je strategie, je marketingplan en je financieel plan. In dit deel beschrijf je wie je klanten en leveranciers zullen zijn. Daarnaast neem je ook je concurrenten en je omgevingsfactoren onder de loep.

Klantenanalyse

Wie zijn je klanten? In welke regio wonen ze? Wat is hun opleidingsniveau, levensstijl, en koopgedrag? Ga na waar je doelgroep nood aan heeft en waarom ze zouden kiezen voor jouw product of dienst.

Leveranciersanalyse

Stel een lijst op van leveranciers waarmee je wilt samenwerken en beschrijf hun sterke en zwakke punten.

Concurrentenanalyse

Ga na wie je concurrenten zijn , zowel directe als indirecte. Bedenk voor elke concurrent wat zijn sterke en zwakke punten zijn. Breng daarnaast ook hun opportuniteiten en bedreigingen in kaart.

Omgevingsanalyse

In je omgevingsanalyse geef je alle elementen weer die een invloed hebben op je bedrijf. Houd rekening met economische, demografische, technologische en politieke factoren.

SWOT-analyse van je idee

Bekijk je ondernemersidee met een kritische bril en maak er een SWOT-analyse van. SWOT staat voor Strengths, Weaknesses, Opportunities en Threats. Beschrijf met andere woorden de sterktes, de zwaktes, de opportuniteiten en mogelijke bedreigingen van je onderneming.  

5. Marketingplan

Hoe wil je je product of dienst in de markt plaatsen? Dat bepaal je met je marketingplan. Een goed plan ligt in de lijn van je bedrijfsstrategie. In dit deel geef je invulling aan de 5 onderdelen van de marketingmix :

Welk product of welke dienst zul je tegen welke prijs en op welke plaats verdelen? Hoe ga je dit promoten? Ook het bedenken van een naam en een logo hoort daar bij.

Een marketingplan kan een houvast zijn als je bepaalde beslissingen moeten nemen. Het helpt je namelijk om je te focussen op je doelen op lange termijn. Houd echter de vinger aan de pols. In een snel veranderende wereld, verschuiven de wensen en de behoeftes van de consument. Je zult je marketingplan daaraan moeten aanpassen.

6. Financieel plan

Wil je banken en investeerders overtuigen om te investeren in je zaak? Dan is een gedetailleerd en realistisch financieel plan onmisbaar. Voor bepaalde vennootschapsvormen zoals een cv, nv en bv is dat zelfs verplicht.

Welke onderdelen moet je financieel plan zeker bevatten?

  • Kosten : welke kosten denk je te maken in de komende twee2 jaar? Breng zowel je eenmalige, je vaste als je variabele kosten in kaart. Het doel is om zo snel mogelijk break-even te draaien: het punt waarop je inkomsten even hoog zijn als je kosten. Daarna kun je doorgroeien en winst boeken. Lees hier hoe je een gezond financieel bedrijf uitbouwt.
  • Inkomsten : wat zijn je geschatte inkomsten voor een periode van 2 jaar? Bekijk zeker op welke steunmaatregelen je recht hebt in de subsidiedatabank van Agentschap Innoveren & Ondernemen.
  • Financiële middelen : hoeveel geld heb je nodig om je onderneming op te starten? Breng je eigen middelen in of heb je een lening nodig?

Wees realistisch

Een plan ontstaat in stappen. Toets telkens weer de haalbaarheid van je plan. Lijkt iets niet realistisch, keer dan terug naar het begin en doorloop alle stappen opnieuw. Daar kruipt veel tijd in, maar het loont de moeite. Aan een plan met een positief resultaat heb je niets als dat plan niet gebaseerd is op de realiteit.

Hulp nodig?

  • Wil je graag weten of je business plan realistisch is? Heb je een klankbord nodig voor het financiële verhaal? Vraag dan raad aan een boekhouder of kom er eens over praten met onze experts .

Laatst gepubliceerd op: 19-07-2019

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Bank Business Plan Template

Written by Dave Lavinsky

bank-business-plan-image

Bank Business Plan

Over the past 20+ years, we have helped over 500 entrepreneurs and business owners create business plans to start and grow their banks.

If you’re unfamiliar with creating a bank business plan, you may think creating one will be a time-consuming and frustrating process. For most entrepreneurs it is, but for you, it won’t be since we’re here to help. We have the experience, resources, and knowledge to help you create a great business plan.

In this article, you will learn some background information on why business planning is important. Then, you will learn how to write a bank business plan step-by-step so you can create your plan today.

Download our Ultimate Business Plan Template here >

What Is a Business Plan?

A business plan provides a snapshot of your bank as it stands today, and lays out your growth plan for the next five years. It explains your business goals and your strategies for reaching them. It also includes market research to support your plans.

Why You Need a Business Plan

If you’re looking to start a bank or grow your existing bank, you need a business plan. A business plan will help you raise funding, if needed, and plan out the growth of your bank to improve your chances of success. Your bank business plan is a living document that should be updated annually as your company grows and changes.

Sources of Funding for Banks

With regards to funding, the main sources of funding for a bank are personal savings, credit cards, bank loans, and angel investors. When it comes to bank loans, banks will want to review your business plan and gain confidence that you will be able to repay your loan and interest. To acquire this confidence, the loan officer will not only want to ensure that your financials are reasonable, but they will also want to see a professional plan. Such a plan will give them the confidence that you can successfully and professionally operate a business. Personal savings and bank loans are the most common funding paths for banks.  

Finish Your Business Plan Today!

How to write a business plan for a bank.

If you want to start a bank or expand your current one, you need a business plan. The guide below details the necessary information for how to write each essential component of your bank business plan.

Executive Summary

Your executive summary provides an introduction to your business plan, but it is normally the last section you write because it provides a summary of each key section of your plan.

The goal of your executive summary is to quickly engage the reader. Explain to them the kind of bank you are running and the status. For example, are you a startup, do you have a bank that you would like to grow, or are you operating a chain of banks?

Next, provide an overview of each of the subsequent sections of your plan.

  • Give a brief overview of the bank industry.
  • Discuss the type of bank you are operating.
  • Detail your direct competitors. Give an overview of your target customers.
  • Provide a snapshot of your marketing strategy. Identify the key members of your team.
  • Offer an overview of your financial plan.

Company Overview

In your company overview, you will detail the type of bank you are operating.

For example, you might specialize in one of the following types of banks:

  • Commercial bank : this type of bank tends to concentrate on supporting businesses. Both large corporations and small businesses can turn to commercial banks if they need to open a checking or savings account, borrow money, obtain access to credit or transfer funds to companies in foreign markets.
  • Credit union: this type of bank operates much like a traditional bank (issues loans, provides checking and savings accounts, etc.) but banks are for-profit whereas credit unions are not. Credit unions fall under the direction of their own members. They tend to serve people affiliated with a particular group, such as people living in the same area, low-income members of a community or armed service members. They also tend to charge lower fees and offer lower loan rates.
  • Retail bank: retail banks can be traditional, brick-and-mortar brands that customers can access in-person, online, or through their mobile phones. They also offer general public financial products and services such as bank accounts, loans, credit cards, and insurance.
  • Investment bank: this type of bank manages the trading of stocks, bonds, and other securities between companies and investors. They also advise individuals and corporations who need financial guidance, reorganize companies through mergers and acquisitions, manage investment portfolios or raise money for certain businesses and the federal government.

In addition to explaining the type of bank you will operate, the company overview needs to provide background on the business.

Include answers to questions such as:

  • When and why did you start the business?
  • What milestones have you achieved to date? Milestones could include the number of clients served, the number of clients with positive reviews, reaching X number of clients served, etc.
  • Your legal business Are you incorporated as an S-Corp? An LLC? A sole proprietorship? Explain your legal structure here.

Industry Analysis

In your industry or market analysis, you need to provide an overview of the bank industry.

While this may seem unnecessary, it serves multiple purposes.

First, researching the bank industry educates you. It helps you understand the market in which you are operating.

Secondly, market research can improve your marketing strategy, particularly if your analysis identifies market trends.

The third reason is to prove to readers that you are an expert in your industry. By conducting the research and presenting it in your plan, you achieve just that.

The following questions should be answered in the industry analysis section of your bank business plan:

  • How big is the bank industry (in dollars)?
  • Is the market declining or increasing?
  • Who are the key competitors in the market?
  • Who are the key suppliers in the market?
  • What trends are affecting the industry?
  • What is the industry’s growth forecast over the next 5 – 10 years?
  • What is the relevant market size? That is, how big is the potential target market for your bank? You can extrapolate such a figure by assessing the size of the market in the entire country and then applying that figure to your local population.

Customer Analysis

The customer analysis section of your bank business plan must detail the customers you serve and/or expect to serve.

The following are examples of customer segments: individuals, small businesses, families, and corporations.

As you can imagine, the customer segment(s) you choose will have a great impact on the type of bank you operate. Clearly, corporations would respond to different marketing promotions than individuals, for example.

Try to break out your target customers in terms of their demographic and psychographic profiles. With regards to demographics, including a discussion of the ages, genders, locations, and income levels of the potential customers you seek to serve.

Psychographic profiles explain the wants and needs of your target customers. The more you can recognize and define these needs, the better you will do in attracting and retaining your customers.

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Competitive Analysis

Your competitive analysis should identify the indirect and direct competitors your business faces and then focus on the latter.

Direct competitors are other banks.

Indirect competitors are other options that customers have to purchase from that aren’t directly competing with your product or service. This includes trust accounts, investment companies, or the stock market. You need to mention such competition as well.

For each such competitor, provide an overview of their business and document their strengths and weaknesses. Unless you once worked at your competitors’ businesses, it will be impossible to know everything about them. But you should be able to find out key things about them such as

  • What types of customers do they serve?
  • What type of bank are they?
  • What is their pricing (premium, low, etc.)?
  • What are they good at?
  • What are their weaknesses?

With regards to the last two questions, think about your answers from the customers’ perspective. And don’t be afraid to ask your competitors’ customers what they like most and least about them.

The final part of your competitive analysis section is to document your areas of competitive advantage. For example:

  • Will you provide loans and retirement savings accounts?
  • Will you offer products or services that your competition doesn’t?
  • Will you provide better customer service?
  • Will you offer better pricing?

Think about ways you will outperform your competition and document them in this section of your plan.  

Marketing Plan

Traditionally, a marketing plan includes the four P’s: Product, Price, Place, and Promotion. For a bank business plan, your marketing strategy should include the following:

Product : In the product section, you should reiterate the type of bank company that you documented in your company overview. Then, detail the specific products or services you will be offering. For example, will you provide savings accounts, auto loans, mortgage loans, or financial advice?

Price : Document the prices you will offer and how they compare to your competitors. Essentially in the product and price sub-sections of your plan, you are presenting the products and/or services you offer and their prices.

Place : Place refers to the site of your bank. Document where your company is situated and mention how the site will impact your success. For example, is your bank located in a busy retail district, a business district, a standalone office, or purely online? Discuss how your site might be the ideal location for your customers.

Promotions : The final part of your bank marketing plan is where you will document how you will drive potential customers to your location(s). The following are some promotional methods you might consider:

  • Advertise in local papers, radio stations and/or magazines
  • Reach out to websites
  • Distribute flyers
  • Engage in email marketing
  • Advertise on social media platforms
  • Improve the SEO (search engine optimization) on your website for targeted keywords

Operations Plan

While the earlier sections of your business plan explained your goals, your operations plan describes how you will meet them. Your operations plan should have two distinct sections as follows.

Everyday short-term processes include all of the tasks involved in running your bank, including reconciling accounts, customer service, accounting, etc.

Long-term goals are the milestones you hope to achieve. These could include the dates when you expect to sign up your Xth customer, or when you hope to reach $X in revenue. It could also be when you expect to expand your bank to a new city.  

Management Team

To demonstrate your bank’s potential to succeed, a strong management team is essential. Highlight your key players’ backgrounds, emphasizing those skills and experiences that prove their ability to grow a company.

Ideally, you and/or your team members have direct experience in managing banks. If so, highlight this experience and expertise. But also highlight any experience that you think will help your business succeed.

If your team is lacking, consider assembling an advisory board. An advisory board would include 2 to 8 individuals who would act as mentors to your business. They would help answer questions and provide strategic guidance. If needed, look for advisory board members with experience in managing a bank or successfully running a small financial advisory firm.  

Financial Plan

Your financial plan should include your 5-year financial statement broken out both monthly or quarterly for the first year and then annually. Your financial statements include your income statement, balance sheet, and cash flow statements.

Income Statement

An income statement is more commonly called a Profit and Loss statement or P&L. It shows your revenue and then subtracts your costs to show whether you turned a profit or not.

In developing your income statement, you need to devise assumptions. For example, will you see 5 clients per day, and/or offer sign up bonuses? And will sales grow by 2% or 10% per year? As you can imagine, your choice of assumptions will greatly impact the financial forecasts for your business. As much as possible, conduct research to try to root your assumptions in reality.

Balance Sheets

Balance sheets show your assets and liabilities. While balance sheets can include much information, try to simplify them to the key items you need to know about. For instance, if you spend $50,000 on building out your bank, this will not give you immediate profits. Rather it is an asset that will hopefully help you generate profits for years to come. Likewise, if a lender writes you a check for $50,000, you don’t need to pay it back immediately. Rather, that is a liability you will pay back over time.

Cash Flow Statement

Your cash flow statement will help determine how much money you need to start or grow your business, and ensure you never run out of money. What most entrepreneurs and business owners don’t realize is that you can turn a profit but run out of money and go bankrupt.

When creating your Income Statement and Balance Sheets be sure to include several of the key costs needed in starting or growing a bank:

  • Cost of furniture and office supplies
  • Payroll or salaries paid to staff
  • Business insurance
  • Other start-up expenses (if you’re a new business) like legal expenses, permits, computer software, and equipment

Attach your full financial projections in the appendix of your plan along with any supporting documents that make your plan more compelling. For example, you might include your bank location lease or a list of accounts and loans you plan to offer.  

Writing a business plan for your bank is a worthwhile endeavor. If you follow the template above, by the time you are done, you will truly be an expert. You will understand the bank industry, your competition, and your customers. You will develop a marketing strategy and will understand what it takes to launch and grow a successful bank.  

Bank Business Plan Template FAQs

What is the easiest way to complete my bank business plan.

Growthink's Ultimate Business Plan Template allows you to quickly and easily write your bank business plan.

How Do You Start a Bank Business?

Starting a bank business is easy with these 14 steps:

  • Choose the Name for Your Bank Business
  • Create Your Bank Business Plan
  • Choose the Legal Structure for Your Bank Business
  • Secure Startup Funding for Your Bank Business (If Needed)
  • Secure a Location for Your Business
  • Register Your Bank Business with the IRS
  • Open a Business Bank Account
  • Get a Business Credit Card
  • Get the Required Business Licenses and Permits
  • Get Business Insurance for Your Bank Business
  • Buy or Lease the Right Bank Business Equipment
  • Develop Your Bank Business Marketing Materials
  • Purchase and Setup the Software Needed to Run Your Bank Business
  • Open for Business

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OR, Let Us Develop Your Plan For You

Since 1999, Growthink has developed business plans for thousands of companies who have gone on to achieve tremendous success.   Click here to see how a Growthink business plan consultant can create your business plan for you.

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How to Write a Business Plan to Start a Bank

FEB.10, 2024

Bank Business Plan

Bank Business Plan Checklist

A bank business plan is a document that describes the bank’s goals, strategies, operations, and financial projections. It communicates the bank’s vision and value proposition to potential investors, regulators, and stakeholders. A SBA business plan should be clear, concise, and realistic. It should also cover all the essential aspects of the bank’s business model.

Here is a checklist of the main sections that you should keep in mind while building a bank business plan:

  • Executive summary
  • Company description
  • Industry analysis
  • Competitive analysis
  • Service or product list
  • Marketing and sales plan
  • Operations plan
  • Management team
  • Funding request
  • Financial plan

Sample Business Plan for Bank

The following is a bank business plan template that operates in the USA. This bank business plan example is regarding ABC Bank, and it includes the following sections:

Executive Summary

ABC Bank is a new bank for California’s SMBs and individuals. We offer convenient banking services tailored to our customers’ needs and preferences. We have a large target market with over 500,000 SMBs spending billions on banking services annually. We have the licenses and approvals to operate our bank and raised $20 million in seed funding. We are looking for another $30 million in debt financing.

Our goal is to launch our bank by the end of 2024 and achieve the following objectives in the first five years of operation:

  • Acquire 100,000 customers and 10% market share
  • Generate $100 million in annual revenue and $20 million in net profit
  • Achieve a return on equity (ROE) of 15% and a return on assets (ROA) of 1.5%
  • Expand our network to 10 branches and 50 ATMs
  • Increase our brand awareness and customer loyalty

Our bank has great potential to succeed and grow in the banking industry. We invite you to read the rest of our microfinance business plan to learn about how to set up a business plan for the bank and how we will achieve our goals.

Industry Analysis

California has one of the biggest and most active banking industries in the US and the world. According to the Federal Deposit Insurance Corp , California has 128 financial institutions, with total assets exceeding $560 billion.

The California banking industry is regulated and supervised by various federal and state authorities. However, they also face several risks and challenges, such as:

  • High competition and consolidation
  • Increasing regulation and compliance
  • Rising customer demand for digital and mobile banking
  • Cyberattacks and data breaches
  • Environmental and social issues

The banking industry in California is highly competitive and fragmented. According to the FDIC, the top 10 banks and thrifts in California by total deposits as of June 30, 2023, were:

business plan for start bank

Customer Analysis

We serve SMBs who need local, easy, and cheap banking. We divide our customers into four segments by size, industry, location, and needs: 

SMB Segment 1 – Tech SMBs in big cities of California. These are fast-growing, banking-intensive customers. They account for a fifth of our market share and a third of our revenue and are loyal and referable.

SMB Segment 2 – Entertainment SMBs in California’s entertainment hubs. These are high-profile, banking-heavy customers. They make up a sixth of our market and a fourth of our revenue and are loyal and influential.

SMB Segment 3 – Tourism SMBs in California’s tourist spots. These are seasonal, banking-dependent customers. They represent a quarter of our market and a fifth of our revenue and are loyal and satisfied.

SMB Segment 4 – Other SMBs in various regions of California. These are slow-growing, banking-light customers. They constitute two-fifths of our market and a quarter of our revenue and are loyal and stable.

Competitive Analysis

We compete with other banks and financial institutions that offer similar or substitute products and services to our target customers in our target market. We group our competitors into four categories based on their size and scope: 

1. National Banks

  • Key Players – Bank of America, Wells Fargo, JPMorgan Chase, Citibank, U.S. Bank
  • Strengths – Large customer base, strong brand, extensive branch/ATM network, innovation, robust operations, solid financial performance
  • Weaknesses – High competition, regulatory costs, low customer satisfaction, high attrition
  • Strategies – Maintain dominance through customer acquisition/retention, revenue growth, efficiency

2. Regional Banks

  • Key Players – MUFG Union Bank, Bank of the West, First Republic Bank, Silicon Valley Bank, East West Bank
  • Strengths – Loyal customer base, brand recognition, convenient branch/ATM network, flexible operations
  • Weaknesses – Moderate competition, regulatory costs, customer attrition
  • Strategies – Grow market presence through customer acquisition/retention, revenue optimization, efficiency

3. Community Banks

  • Key Players – Mechanics Bank, Bank of Marin, Pacific Premier Bank, Tri Counties Bank, Luther Burbank Savings
  • Strengths – Small loyal customer base, reputation, convenient branches, ability to adapt
  • Weaknesses – Low innovation and technology adoption
  • Strategies – Maintain niche identity through customer loyalty, revenue optimization, efficiency

4. Online Banks

  • Key Players – Ally Bank, Capital One 360, Discover Bank, Chime Bank, Varo Bank
  • Strengths – Large growing customer base, strong brand, no branches, lean operations, high efficiency
  • Weaknesses – High competition, regulatory costs, low customer satisfaction and trust, high attrition
  • Strategies – Disrupt the industry by acquiring/retaining customers, optimizing revenue, improving efficiency

Market Research

Our market research shows that:

  • California has a large, competitive, growing banking market with 128 banks and $560 billion in assets.
  • Our target customers are the SMBs in California, which is 99.8% of the businesses and employ 7.2-7.4 million employees.
  • Our main competitors are national and regional banks in California that offer similar banking products and services.

We conclude that:

  • Based on the information provided in our loan officer business plan , there is a promising business opportunity for us to venture into and establish a presence in the banking market in California.
  • We should focus on the SMBs in California, as they have various unmet banking needs, preferences, behavior, and a high potential for growth and profitability.

Operations Plan

Our operational structure and processes form the basis of our operations plan, and they are as follows:

  • Location and Layout – We have a network of 10 branches and 50 ATMs across our target area in California. We strategically place our branches and ATMs in convenient and high-traffic locations.
  • Equipment and Technology – We use modern equipment and technology to provide our products and services. We have c omputers and software for banking functions; security systems to protect branches and ATMs; communication systems to communicate with customers and staff; i nventory and supplies to operate branches and ATMs.
  • Suppliers and Vendors – We work with reliable suppliers and vendors that provide our inventory and supplies like cash, cards, paper, etc. We have supplier management systems to evaluate performance.
  • Staff and Management – Our branches have staff like branch managers, customer service representatives, tellers, and ATM technicians with suitable qualifications and experience.
  • Policies and Procedures – We have policies for customer service, cash handling, card handling, and paper handling to ensure quality, minimize losses, and comply with regulations. We use various tools and systems to implement these policies.

Management Team

The following individuals make up our management team:

  • Earl Yao, CEO and Founder – Earl is responsible for establishing and guiding the bank’s vision, mission, strategy, and overall operations. He brings with him over 20 years of banking experience.
  • Paula Wells, CFO and Co-Founder – Paula oversees financial planning, reporting, analysis, compliance, and risk management.
  • Mark Hans, CTO – Mark leads our technology strategy, infrastructure, innovation, and digital transformation.
  • Emma Smith, CMO – Emma is responsible for designing and implementing our marketing strategy and campaigns.
  • David O’kane, COO – David manages the daily operations and processes of the bank ensuring our products and services meet the highest standards of quality and efficiency.

Financial Projections

Our assumptions and drivers form the basis of our financial projections, which are as follows:

Assumptions: We have made the following assumptions for our collection agency business plan :

  • Start with 10 branches, 50 ATMs in January 2024
  • Grow branches and ATMs 10% annually
  • 10,000 customers per branch, 2,000 per ATM
  • 5% average loan rate, 2% average deposit rate
  • 80% average loan-to-deposit ratio
  • $10 average fee per customer monthly
  • $100,000 average operating expense per branch monthly
  • $10,000 average operating expense per ATM monthly
  • 25% average tax rate

Our financial projections are as per our:

  • Projected Income Statement
  • Projected Cash Flow Statement
  • Projected Balance Sheet
  • Projected Financial Ratios and Indicators

Select the Legal Framework for Your Bank

Our legal structure and requirements form the basis of our legal framework, which are as follows:

Legal Structure and Entity – We have chosen to incorporate our bank as a limited liability company (LLC) under the laws of California.

Members – We have two members who own and control our bank: Earl Yao and Paula Wells, the founders and co-founders of our bank.

Manager – We have appointed Mark Hans as our manager who oversees our bank’s day-to-day operations and activities.

Name – We have registered our bank’s name as ABC Bank LLC with the California Secretary of State. We have also obtained a trademark registration for our name and logo.

Registered Agent – We have designated XYZ Registered Agent Services LLC as our registered agent authorized to receive and handle legal notices and documents on behalf of our bank.

Licenses and Approvals – We have obtained the necessary licenses and approvals to operate our bank in California, including:

  • Federal Deposit Insurance Corporation (FDIC) Insurance
  • Federal Reserve System Membership
  • California Department of Financial Protection and Innovation (DFPI) License
  • Business License
  • Employer Identification Number (EIN)
  • Zoning and Building Permits

Legal Documents and Agreements – We have prepared and signed the necessary legal documents and agreements to form and operate our bank, including:

  • Certificate of Formation
  • Operating Agreement
  • Membership Agreement
  • Loan Agreement
  • Card Agreement
  • Paper Agreement

Keys to Success

We analyze our market, customers, competitors, and industry to determine our keys to success. We have identified the following keys to success for our bank.

Customer Satisfaction

Customer satisfaction is vital for any business, especially a bank relying on loyalty and referrals. It is the degree customers are happy with our products, services, and interactions. It is influenced by:

  • Product and service quality – High-quality products and services that meet customer needs and preferences
  • Customer service quality – Friendly, professional, and helpful customer service across channels
  • Customer experience quality – Convenient, reliable, and secure customer access and transactions

We will measure satisfaction with surveys, feedback, mystery shopping, and net promoter scores. Our goal is a net promoter score of at least 8.

Operational Efficiency

Efficiency is key in a regulated, competitive environment. It is using resources and processes effectively to achieve goals and objectives. It is influenced by:

  • Resource optimization – Effective and efficient use and control of capital, staff, and technology
  • Process improvement – Streamlined, standardized processes measured for performance
  • Performance management – Managing financial, operational, customer, and stakeholder performance

We will measure efficiency with KPIs, metrics, dashboards, and operational efficiency ratios. Our goal is an operational efficiency ratio below 50%.

Partner with OGSCapital for Your Bank Business Plan Success

Highly efficient service.

Highly Efficient Service! I am incredibly happy with the outcome; Alex and his team are highly efficient professionals with a diverse bank of knowledge.

Are you looking to hire business plan writers to start a bank business plan? At OGSCapital, we can help you create a customized and high-quality bank development business plan to meet your goals and exceed your expectations.

We have a team of senior business plan experts with extensive experience and expertise in various industries and markets. We will conduct thorough market research, develop a unique value proposition, design a compelling financial model, and craft a persuasive pitch deck for your business plan. We will also offer you strategic advice, guidance, and access to a network of investors and other crucial contacts.

We are not just a business plan writing service. We are a partner and a mentor who will support you throughout your entrepreneurial journey. We will help you achieve your business goals with smart solutions and professional advice. Contact us today and let us help you turn your business idea into a reality.

Frequently Asked Questions

How do I start a small bank business?

To start a small bank business in the US, you need to raise enough capital, understand how to make a business plan for the bank, apply for a federal or state charter, register your bank for taxes, open a business bank account, set up accounting, get the necessary permits and licenses, get bank insurance, define your brand, create your website, and set up your phone system.

Are banks profitable businesses?

Yes, banks are profitable businesses in the US. They earn money through interest on loans and fees for other services. The commercial banking industry in the US has grown 5.6% per year on average between 2018 and 2023.

Download Bank Business Plan Sample in pdf

OGSCapital’s team has assisted thousands of entrepreneurs with top-rate business plan development, consultancy and analysis. They’ve helped thousands of SME owners secure more than $1.5 billion in funding, and they can do the same for you.

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business plan voor de bank

Een bedrijfsplan in 10 stappen

bedrijfsplan

Het schrijven van een bedrijfsplan kost tijd. Pak het slim aan en ga aan de slag met de richtlijnen van het Sequoia-principe. Zo schrijf je in tien eenvoudige stappen een gedegen ondernemingsplan.

Het Sequoia-principe bevat 10 richtlijnen voor het maken van een compleet businessplan. Dat vertaalt zich in onderstaande stappen. Wil je gelijk lezen over een bepaalde stap van jouw bedrijfsplan? Direct naar:

  • Doel van jouw onderneming
  • Klanten vinden
  • Jouw toegevoegde waarde
  • Hoe relevant is je bedrijf?
  • Van marktonderzoek tot marketingplan
  • Concurrentieanalyse
  • Product of dienst
  • Business model
  • Eenmanszaak of groot team?
  • Financiële gegevens
  • ChatGPT voor je bedrijfsplan

Ook delen we een Voorbeeld bedrijfsplan en template met je. 

1. Doel van jouw onderneming omschrijven

In het eerste hoofdstuk van je businessplan kun je meteen de aandacht grijpen. Probeer dus je bedrijfsdoel concreet te omschrijven in één heldere zin.

Hiermee geef je meteen een goede omschrijving van het doel van jouw onderneming. Waarom ga je dit bedrijf oprichten? Voor wie? Wat denk je daarmee te bereiken? Hier kun je jouw missie en visie delen.

  • Vind je het moeilijk om je ambitie in één zin te vatten? Lees dan:  ambitie op een bierviltje .

Concreet businessplan maken

Je hoeft op deze plek nog niet in te gaan op het hoe en waarom. Die uitleg komt in latere onderdelen van jouw bedrijfsplan nog aan bod. Het hoofddoel van dit eerste punt is simpelweg: hoe wek je de interesse van de lezer?

Kort maar krachtig. Dat is de rode draad door je hele bedrijfsplan

Weet ook voor wie je schrijft: banken of private investeerders hebben meestal geen zeeën van tijd om uitgebreid hele businessplannen te lezen. Start bijvoorbeeld met een executive summary waarin je de hoofdpunten van je plan samenvat. 

Hoe concreter jouw ondernemingsplan , des te groter de kans dat het uiteindelijk aandachtig wordt bekeken. Goed om in gedachten te houden: de ideale lengte van je bedrijfsplan is circa twintig pagina's.

2. Klanten vinden, een onderdeel van je bedrijfsplan

In dit onderdeel van het businessplan beschrijf je de huidige situatie van jouw toekomstige (regionale)  klanten en/of opdrachtgevers . Tegen welke problemen lopen zij aan? Hoe gaan zij hier op dit moment mee om? Klik op de uitklapper hieronder om te zien hoe dit er in de praktijk uitziet.

Voorbeeld, hoe beschrijf je de huidige situatie in je bedrijfsplan?

Stel: jouw bedrijf gaat straks tegen een gunstiger tarief dan je concurrentie bouwmaterialen leveren. In dat geval beschrijf je hier de huidige situatie. 

Bijvoorbeeld dat kleine bedrijven voor specifieke materialen veel geld kwijt zijn aan grote leveranciers, waardoor ze in economisch zware tijden het hoofd bijna niet meer boven water kunnen houden.

Natuurlijk moet je deze beweringen wel kunnen staven met de juiste feiten, bijvoorbeeld van het CBS. Of kijk eens bij cijfers en trends  van de Rabobank. Hier vind je actuele gegevens over onder meer de kansen, bedreigingen en perspectieven over jouw branche. 

Whitepaper Ondernemingsplan cover

Indruk maken met je bedrijfsplan?

Dat kan. Wij hebben alle ins & outs van een businessplan op een rijtje gezet. Maak in 10 stappen een ijzersterk ondernemingsplan.

Download gratis stappenplan

3. Jouw toegevoegde waarde

De titel geeft het eigenlijk al aan: hier vertel je over wat jouw product of dienst toevoegt voor de klant. Wat ga je doen om deze klanten en/of opdrachtgevers een goed alternatief te bieden voor de huidige situatie? Oftewel, welk probleem los je op? En is dit financieel haalbaar? 

Houd hier rekening met een aantal zaken:

  • Zorg ervoor dat je deze kwesties helder omschrijft
  • Ga mogelijke obstakels niet uit de weg
  • Besef: de lezer is vaak net zo goed (zo niet beter!) op de hoogte van mogelijke knelpunten
  • Geef daarom altijd kort aan welke problemen je kunt tegenkomen en hoe je verwacht deze te kunnen omzeilen of oplossen

4. Hoe relevant is je bedrijf?

Dit onderdeel van het ondernemingsplan gebruik je om de lezer ervan te overtuigen dat dit een uitstekend moment is om het bedrijf op te richten . Omschrijf bijvoorbeeld huidige markttrends die passen bij jouw product of dienst.

Onderbouw je verhaal met accurate gegevens over de ontwikkelingen van de laatste jaren in jouw branche en regio. Welke ontwikkelingen maken jouw onderneming juist nu relevant?

5. Van marktonderzoek tot marketingplan

Geen bedrijfsplan is compleet zonder de resultaten van marktonderzoek. Als ondernemer moet je immers weten hoe jouw markt in elkaar zit en wil je op de hoogte blijven van de laatste ontwikkelingen in de sector.

Toegevoegde waarde van jouw product of dienst

Net als een potentiële investeerder zal de klant straks overtuigd moeten raken van de toegevoegde waarde van jouw product of dienst. Het opstellen van een  marketingplan helpt je bij het krijgen van meer inzicht in jouw markt. 

Met een marketingplan kun je via de marketingmix vervolgens een duidelijk profiel van de doelgroep  schetsen. Om al je kansen en bedreigingen goed in kaart te brengen, kan het ook helpen om een SWOT-analyse  uit te voeren van je bedrijfsidee.  

6. Concurrentieanalyse in je businessplan

Hier schrijf je over de gevestigde bedrijven in jouw vakgebied en regio met wie je straks gaat concurreren. Geef in deze concurrentieanalyse ook bij iedere concurrent kort aan wat jouw bedrijf anders (en beter) zal doen. 

Concurreer jij bijvoorbeeld op kwaliteit, of juist op prijs? Of bied je jouw product of dienst op een onderscheidende manier aan? Doe zoveel mogelijk onderzoek naar je concurrenten om duidelijk te krijgen wat hun USP's zijn en hoe die van jouw bedrijf daar in verschillen. 

7. Product of dienst beschrijven

In dit onderdeel van je businessplan kun je jouw product of dienst uitgebreid beschrijven:

  • Wat is het doel?
  • Hoe wordt het product gemaakt?
  • Wil je bijvoorbeeld voor bedrijven webteksten gaan schrijven of vertalen van het Nederlands naar het Engels of Russisch?

Beschrijf dan stap voor stap hoe je straks precies te werk gaat en wat de kosten zullen zijn. Wat wordt de verkoopprijs en wat is dan jouw marge?

Zit een eventuele tweede correctie inbegrepen in de prijs of reken je daarvoor extra uren ? En hoe zit het bijvoorbeeld met de auteursrechten?

Import- en/of productieproces

Als je met jouw onderneming zelf producten wil gaan fabriceren, importeren of exporteren, is dit de plek om in duidelijke bewoordingen het exacte importeer- of productieproces uiteen te zetten.

8. Businessmodel

Het businessmodel is in het Nederlands beter bekend als het bedrijfsmodel. Hiermee geef je bepaalde aspecten van een bedrijf weer.

Onderdelen businessmodel:

  • De verwachte omzet
  • Potentiële klanten/doelgroepen
  • De maximale omvang van de opdracht of klus die je kunt aannemen
  • Het verkoopmodel

Het Business Model Canvas helpt je hiermee. Dit is een manier om de aspecten van je bedrijfsmodel compact en visueel weer te geven.

  • Lees meer in:  De 9 bouwstenen van het Business Model Canvas .

9. Eenmanszaak of groot team?

Ga je een eenmanszaak oprichten? Dan hoef je hier alleen je eigen naam neer te zetten. Maar wanneer je samen met anderen een onderneming gaat runnen, moet je het één en ander op papier vastleggen:

  • Wie zijn de oprichters?
  • Wie zijn verantwoordelijk voor de bedrijfsvoering?
  • Indien relevant, wie zijn de directie of raad van bestuur?

10. Financiële gegevens bij het maken van een businessplan

Tot slot mogen ook de verwachte financiële omstandigheden niet ontbreken in het bedrijfsplan. Hierbij moet je bijvoorbeeld denken aan:

  • Het maken van een realistische inschatting van de kasstroom 
  • Een winst-en-verliesrekening
  • Wat jij de potentiële investeerder op financieel gebied kunt bieden
  • Wanneer jij denkt dat je het break-even punt zult bereiken
  • Inzicht in de geschatte kosten zoals inkoop, verzekeringen en huur
Verzekeringen zijn ook onontkoombaar. Welke zijn voor jou interessant? 

11. ChatGPT voor je bedrijfsplan

Generatieve Artificial Intelligence (AI)-tools zoals ChatGPT en Google Bard kunnen je ondersteunen bij het opstellen van een overtuigend en informatief ondernemingsplan.

Een inspirerende inleiding

Gebruik bijvoorbeeld ChatGPT (of Google Bard) voor het schrijven van een inspirerende inleiding. Grijp de aandacht van je lezers met een pakkende intro, misschien met enkele boeiende statistieken of een intrigerende opening.

Versterk je marktanalyse

Een ander handig trucje is om ChatGPT in te zetten voor je marktanalyse en concurrentieonderzoek. Laat ChatGPT je helpen bij het verzamelen en samenvatten van belangrijke branchegegevens en markttrends.

Concurrentie-analyse

Daarnaast kun je het gebruiken om diepere inzichten te krijgen over je concurrenten, zoals hun sterke en zwakke punten, gedetailleerde analyses van hun producten of diensten - én natuurlijk de mogelijkheden voor jouw unieke positie. Dit soort informatie laat zien dat je de markt door en door begrijpt.

Realistische cijfers en groeikansen

Tenslotte: zet ChatGPT in voor je financiële voorspellingen en projecties. Laat het je helpen realistische cijfers te presenteren en wijzen op groeikansen. 

Krijg je jouw idee maar niet goed op papier? In deze gratis whitepaper (PDF) leggen wij stap voor stap uit hoe je een goed businessplan maakt. Zo ga jij straks goed voorbereid van start met je bedrijf.  Download gratis PDF

Bonus: voorbeeld businessplan (template)

Wellicht vind je het ook na dit artikel nog lastig om jouw gedachten op papier te zetten in een ondernemingsplan. Kijk in dat geval eens naar een aantal voorbeeldplannen. 

In deze sjablonen zie je niet alleen hoe een duurzame inkoper (zzp'er)  zijn ondernemersplannen heeft verwoord, maar krijg je ook uitgebreide tips in de kantlijn om je eigen businessplan te verbeteren.

Voorbeelden businessplan per branche

Op de website van de Rabobank vind je  complete voorbeeldplannen voor een aantal branches:

  • detailhandel
  • zakelijke dienstverlening
  • persoonlijke dienstverlening (schoonheidssalon)

Deze voorbeelden kun je gratis downloaden.

Zelf maken of uitbesteden?

Het is mogelijk om het schrijven van een bedrijfsplan door iemand anders te laten doen . Wees je er echter wel bewust van dat het je éigen plan moet worden, en dat niemand zo goed jouw wensen, dromen en plannen kan omschrijven als jij.

Neem er de tijd voor, ga er goed voor zitten, gebruik onze templates en voorbeelden en maak voor jezelf inzichtelijk wát je wilt bereiken met je onderneming. 

zakelijke rekening afbeelding

Zakelijke rekening: 6 voordelen!

Zakelijke rekening nodig of twijfel je nog?

Bedrijfsplan: de meest gestelde vragen

  • Wat is een bedrijfsplan? Een bedrijfsplan wordt ook wel businessplan, ondernemingsplan of ondernemersplan genoemd. In het bedrijfsplan beschrijf je je doelen, activiteiten die je gaat ondernemen om deze doelen te behalen en maak je een financieel plan.
  • Waarom een bedrijfsplan? Een vraag die veel (startende) ondernemers stellen: waarom is een bedrijfsplan nu zo belangrijk? Voor ondernemers die aan startkapitaal willen komen is het noodzakelijk een ondernemingsplan te schrijven. Ook als je geen directe financieringsbehoefte hebt, kan een ondernemersplan belangrijk zijn.
  • Is een bedrijfsplan verplicht? Nee, het schrijven van een bedrijfsplan is niet wettelijk verplicht . Je kunt je zonder ondernemingsplan inschrijven bij de KvK en de belastingdienst verplicht je niets. Heb je startkapitaal nodig voor je onderneming, dan is het wel noodzakelijk een bedrijfsplan te schrijven. Zonder bedrijfsplan en een financiële onderbouwing kom je niet in aanmerking voor financiering. 
  • Wat staat er in een bedrijfsplan? In jouw bedrijfsplan zet je in feite een plan van aanpak uiteen. Het plan bestaat uit 7 onderdelen . Je kunt je ondernemingsplan zo groot maken als je wilt: van superstrak in een paar zinnen tot een volledig financieel plan waar de bank blij van wordt. Download de  verschillende voorbeeldplannen per branche  die je verder helpen.

Wat vind je van dit artikel?

Meer over bedrijfsplan.

Ontwijk deze 5 valkuilen als startende zzp'er

5 valkuilen om te vermijden als startende zzp'er in 2024

geïllustreerde weergave van een man die bovenop een paarse pijl staat met een groot stuur in zijn handen

Visie en missie opstellen voor startende ondernemers

Parttime ondernemen als starter

Parttime ondernemen als starter, zo doe je dat

Checklist valkuilen startende ondernemers

Vermijd deze valkuilen bij je start

Andere thema's.

Ondernemingsplan

Gratis ondernemingsplan voorbeelden!

Kun je wel wat hulp gebruiken bij het maken van je ondernemingsplan? Download gratis de voorbeeld ondernemingsplannen, ieder gericht op een bepaalde branche. Zo ga jij sterker van start!

business plan voor de bank

Gratis tips voor ondernemers ontvangen?

Dat kan met de wekelijkse nieuwsbrief van IkGaStarten. Meld je gratis aan en start nog sterker!

Starterscampagne Rabo 2021

Ga jij starten als ZZP'er?

Begin het nieuwe jaar goed met je zakelijke en privé financiën gescheiden. Open de nieuwe Rabo ZZP Rekening zonder vaste kosten.

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Ondernemingsplan voorbeelden - Download gratis PDF

Met een ondernemingsplan bereid je je optimaal voor op de start van je bedrijf. Door alle onderdelen één voor één uit te werken weet je zeker dat je niets over het hoofd ziet en dwing je jezelf om na te denken over alle bedrijfsonderdelen. Maar waar begin je? We hebben handige ondernemingsplan voorbeelden (templates) voor je gemaakt, voor zeven verschillende branches. Je kunt de voorbeelden gratis downloaden als PDF en één template in Word.

  • Eigen bedrijf starten

Wat is een ondernemingsplan?

Een ondernemingsplan is in feite een plan van aanpak voor jouw bedrijf. Door het schrijven van een ondernemingsplan breng je jouw kansen, concurrentie en potentiële klanten uitgebreid in kaart. In je ondernemingsplan geef je dus in elk geval antwoord op de volgende vragen:

Door deze vragen te beantwoorden krijg je een beter beeld van de haalbaarheid van jouw plannen. En zodat potentiële investeerders weten hoe kansrijk een mogelijke samenwerking is, als ze je bedrijfsplan hebben gelezen. Wat is je doel? Hoe kom je daar? Door het maken van een gedegen plan voor je bedrijf, ga je gestructureerd van start en vergroot je de kans op succes.

Waar bestaat een ondernemingsplan uit?

Een ondernemingsplan bestaat uit een aantal onderdelen, of hoofdstukken. We nemen je kort mee in de (ideale) opzet van een bedrijfsplan, in zeven hoofdstukken:

Voorbeeld ondernemingsplan per branche

Geen enkele branche is hetzelfde. Daarom krijg je van ons voorbeelden van een ondernemingsplan voor zeven verschillende branches: ZZP, Zakelijke dienstverlening, Persoonlijke dienstverlening, Detailhandel en webwinkel, Bouw, Horeca en Zorg.

Zo’n voorbeeld geeft je een goed beeld hoe een compleet businessplan eruit ziet. Inclusief het financieel plan. Kies een van de voorbeelden die het best past bij jouw toekomstige bedrijf als voorbeeld voor je eigen bedrijfsplan.

Ondernemingsplan voorbeeld template

Gratis invul template

Heb je al een goed idee? Gebruik dan ons leeg invul template. Dit is een compleet ondernemingsplan waarin wij alle onderdelen toelichten en tips geven, maar dan zonder de inhoud. Als je alles invult, staan alle belangrijke punten en jouw ideeën voor een eigen bedrijf straks in je plan.

Ondernemingsplan voorbeeld zzp

Gratis PDF: Voorbeeld ondernemingsplan voor zzp’ers

Of je nu als grafisch vormgever, accountant, thuiskapper, personal trainer, klusjesman of tekstschrijver aan de slag gaat, je noemt jezelf waarschijnlijk zzp’er. En ook voor zzp’ers is een ondernemingsplan maken een goed idee!

Ondernemingsplan voorbeeld dienstverlening zakelijk

Gratis PDF: Voorbeeld ondernemingsplan voor de dienstverlening

Begin je een makelaarskantoor, schoonheidssalon of schoonmaakbedrijf? In de dienstverlening kun je alle kanten op.

Ga jij andere ondernemers helpen bij bijvoorbeeld hun website of social media? Doe dan je voordeel met het voorbeeldplan van dit contentbureau.

Of richt jij je meer op particuliere klanten? Dan is dit voorbeeld van een schoonheidssalon meer iets voor jou.

Ondernemingsplan voorbeeld bouw zzp

Gratis PDF: Voorbeeld ondernemingsplan voor zzp’er in de bouw

Wil jij als zzp’er aan de slag in de bouw? En kun je wat hulp gebruiken bij het schrijven van een goed bedrijfsplan? Dan is dit voorbeeld iets voor jou.

Ondernemingsplan voorbeeld zorg

Gratis PDF: Voorbeeld ondernemingsplan voor zzp’ers in de zorg

Wil jij voor jezelf beginnen in de zorg? Dan loop je waarschijnlijk tegen andere dingen aan dan iemand die een winkel start. Daarom is er voor jou dit voorbeeldplan.

Ondernemingsplan voorbeeld detailhandel

Gratis PDF: Voorbeeld ondernemingsplan voor de detailhandel (winkel)

Ga je een winkel openen? In de detailhandel kun je alle kanten op. Maar of je nu groente, kleding of verf gaat verkopen, je begint met een plan. Fijn om dan een voorbeeld te hebben.

Ondernemingsplan voorbeeld horeca

Gratis PDF: Voorbeeld ondernemingsplan voor de horeca

Droom je al jaren van een eigen café, restaurant of hotel en wil je nu jouw droom gaan realiseren? De kans is groot dat je financiering nodig hebt, een sterk businessplan is voor jou dan ook een absolute must.

Tips voor het schrijven van een sterk bedrijfsplan

Goed dat je hebt besloten om een ondernemingsplan te schrijven! Je legt hiermee de basis voor jouw bedrijf. We hebben dertien onmisbare tips voor je zodat je zeker weet dat je op de goede weg bent. Dus je kan direct van start. En aarzel niet om tijdens het schrijven hulp te vragen aan mensen om je heen.

Dit vind je misschien ook interessant

Alles over je eigen bedrijf starten.

Bij je start komen vaak de nodige zaken om de hoek kijken. Daarom hebben we alles voor je op een rij gezet.

Schrijf je in bij de KVK

De inschrijving bij de KVK; je avontuur begint dan echt. Handig om goed voorbereid te zijn op hoe het werkt en wat je kunt verwachten.

Bedrijfsidee: zo vind je een gat in de markt

Wil je graag voor jezelf beginnen maar ben je nog op zoek naar een goed bedrijfsidee? Lees dan alle tips over hoe je tot een goed en uitvoerbaar idee kunt komen.

Hulp nodig?

Bel met één van onze medewerkers, heb je de rabo app.

Bel ons dan met de app . Ga naar 'Service', kies 'Contact' en kies 'Bel met één van onze medewerkers'. Zo hebben wij je gegevens direct bij de hand en kunnen we je nog sneller helpen.

Of kies hier het gewenste nummer

Rabo klantenservice: algemene vragen, alarmlijn: 24/7 direct hulp, rabo smart pay support team, creditcards, rabo beleggingslijn: orders plaatsen, beleggingsvragen, schade melden via interpolis, zorgverzekering interpolis.

Voor vragen over het afsluiten en wijzigen van Interpolis ZorgActief voor je bedrijf

Voor alle overige vragen

Intermediairdesk bedrijven

Ben je financieel adviseur of accountant en wil je contact met een expert over een financieringsaanvraag van je zakelijke klant? Neem dan via mail contact op met de Intermediairdesk, of bekijk de pagina 'Intermediair voor zakelijke adviseurs'.

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How to Write a Business Plan Banks Can't Resist Here's what your business plan needs if you want startup capital from a bank.

By The Staff of Entrepreneur Media, Inc. • Nov 13, 2014

In the book, Write Your Business Plan , the staff of Entrepreneur Media offer an in-depth understanding of what's essential to any business plan, what's appropriate for your venture and what it takes to ensure success. In this edited excerpt, the authors discuss the ABCs of getting a bank loan for your business.

Many of the most successful businesses are financed by banks, which can provide small to moderate amounts of capital at market costs. They don't want control—at least beyond the control exerted in the covenants of a loan document. And they don't want ownership. Bankers make loans, not investments, and as a general rule, they don't want to wind up owning your company.

Bankers primarily provide debt financing. You take out a loan and pay it back, perhaps in installments consisting of principal and interest, perhaps in payments of interest only, followed by a balloon payment of the principal. One of the nice things about debt financing is that the entrepreneur doesn't have to give up ownership of his company to get it.

Bankers can usually be counted on to want minimal, if any, input into how the business is run. Get behind on the payment schedule, however, and you're likely to find a host of covenants buried in your loan documentation. Loan covenants may require you to do all sorts of things, from setting a minimum amount of working capital you must maintain to prohibiting you from making certain purchases or signing leases without bank approval. Be sure to have your accountant, financial advisor or attorney review your loan documents and spell out everything for you very carefully before you sign.

A banker's first concern is getting the bank's money back plus a reasonable return. To increase their odds, bankers look for certain things, including everything from a solid explanation of why you need the money and what you're going to use it for to details about other borrowing or leasing deals you've entered into.

Bank loan applications can be almost as long and complete as a full-fledged business plan. Plans and loan applications aren't interchangeable, however. A banker may not be interested in your rosy projections of future growth. In fact, when confronted with the kind of growth projection required to interest a venture capitalist, a banker may be turned off. On the other hand, a banker is likely to be quite interested in seeing a contingency plan that will let you pay back the loan, even in the event of a worst-case scenario.

The five things a banker will look for you to address are:

1. Cash flow. One of the most convincing things you can show a banker is the existence of a strong, well-documented flow of cash that will be more than adequate to repay a loan's scheduled principal and interest. You'll need more than a projection of future cash flow, by the way. Most bankers will want to see cash flow statements as well as balance sheets and income statements for the past three or so years. And don't forget your tax returns for the same period.

2. Collateral. If you're just starting out in business or dealing with a banker you don't know well, you're unlikely to be able to borrow from a bank without collateral. Collateral is just something the bank can seize and sell to get back some or all of the money you've borrowed in the event that everything goes wrong and you can't pay it back with profits from operations. It may consist of machinery, equipment, inventory or, all too often, the equity you own in your home.

Why do bankers seek collateral? They have no desire to own second-hand equipment or your house. Experience has taught them that entrepreneurs who have their own assets at risk are more likely to stick to a business than those who have none of their own assets at risk.

3. Co-signers. They provide an added layer of protection for lenders. If your own capacity for taking on additional debt is shaky, a co-signer (who's essentially lending you their creditworthiness) may make the difference.

4. Marketing plans. More than ever before, bankers are taking a closer look at the marketing plans embedded in business plans. Strong competitors, price wars, me-too products, the fickle habits of the buying public and other market-related risks must be addressed. Your banker (and most other investors) have to know that you recognize these risks and have well-thought-out ways to deal with them. Besides, it's the cash flow from operations that pays off bank loans.

5. Management. Bankers like to stress the personal aspect of their services. Many state that they're interested in making loans based on a borrower's character as well as their financial strength. In fact, the borrower's track record and management ability are concerns for bankers evaluating a loan application. If you can show you've run one or more other companies successfully, it will increase your chances of landing a loan to get a startup going.

Bank financing is most appropriate for up-and-running enterprises that can show adequate cash flow and collateral to service and secure the loan. Bankers are less likely to provide startup money to turn a concept into a business, and they're even less likely to put up seed money to prove a concept unless you have a track record of launching previous businesses with successful results.

The old saying about bankers lending only to people who don't need to borrow is almost true. Bankers prefer to lend to companies that are almost, but not quite, financially robust enough to pursue their objective without the loan. Their natural tendency is to be conservative.

This is important to understand because it affects how and when you will borrow. You should try to foresee times you'll need to borrow money and arrange a line of credit or other loan before you need it. That will make it easier and, in many cases, cheaper in terms of interest rates than if you wait until you're a needier and, in bankers' eyes, less-attractive borrower.

Entrepreneur Staff

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How to get started creating your business plan, a successful business plan can help you focus your goals and take actionable steps toward achieving them. here’s what to consider as you develop your plan..

Regardless of whether or not you’re pitching to investors and lenders, starting a business requires a plan. A business plan gives you direction, helps you qualify your ideas and clarifies the path you intend to take toward your goal.

Four important reasons to write a business plan:

  • Decision-making:  Business plans help you eliminate any gray area by writing specific information down in black and white. Making tough decisions is often one of the hardest and most useful parts of writing a business plan. 
  • A reality check:  The first real challenge after deciding to launch a new venture may be writing the business plan. Through the process, you may realize your business idea is a bit flawed or not yet fully developed. This may feel like extra work, but the effort you put into improving your idea during this step can bolster your chance of future success. 
  • New ideas: Discovering new ideas, different approaches and fresh perspectives are invaluable parts of the business planning process. Working closely with your concept can lead to unexpected insights, shifting your business in the right direction. 
  • Developing an action plan: Your business plan is a tool that will help you outline action items, next steps and future activities. This living, breathing document shows where you are and where you want to be, with the framework you need to get there.

Business plan guide: How to get started

Use this exercise to gather some of the most important information. When you're ready to put an outline together, follow our standard business plan template (PDF) and use this business plan example to use as a guide as you fill in your outline. Once your outline is finalized, you can share it with business partners, investors or banks as a tool to promote your concept.

  • Vision: Your vision statement sets the stage for everything you hope your business will accomplish going forward. Let yourself dream, pinpointing the ideas that will keep you inspired and motivated when you hit a bump in the road. 
  • Mission: A mission statement clarifies the purpose of your business and guides your plan, ultimately answering the question, "Why do you exist?" 
  • Objectives: Use your business objectives to define your goals and priorities. What are you going to accomplish with your business, and in what timeframe? These touchstones will drive your actions and help you stay focused. 
  • Strategies: Your objectives describe what you’re going to do, while your strategies describe how you’re going to do it. Consider your goals here, and identify the different ways you’ll work to reach them. 
  • Startup capital: Determine what your startup expenses will be. Having a clear idea will allow you to figure out where the money is coming from and help you spend what you have in the right areas. 
  • Monthly expenses: What do you estimate your business’ ongoing monthly expenses will be? This may change significantly over time — consider what your expenditure could be immediately after launch, in three months, in six months and in one year. 
  • Monthly income: In order to cover your expenses (and hopefully make a profit), you will need to estimate your income. What are your revenue streams? It's always wise to diversify your income. That way, you won’t be tied to one stream that might not be lucrative as quickly as you need it to be. 
  • Goal-setting and creating an action plan: Once you have all the specifics outlined, it's time to set up the step-by-step action items explained in the companion guide, a standard business plan outline. This process will utilize the hard work you've already done, breaking each step down in a way that you can follow.   

A business plan isn’t necessarily a static document that you create once and then forget about. You can use it as a powerful tool by referencing it to adjust your priorities, stay on track and keep your goals in sight.

Business plan: An outline

Use this exercise to gather important information about your business.

Answer these questions to start your planning process. Your responses will provide important information about your business, which you can use as an overview to develop your plan further.

  • What is your dream? 
  • What do you feel inspired to do or create?
  • What keeps you motivated, even in the face of uncertainty?  
  • Why does this business exist? 
  • What purpose(s) or need(s) does it fulfill for customers?   

Objectives 

  • List the goals of your company, then number them in order of importance. 
  • What will the business accomplish when it’s fully established and successful? 
  • How much time will it take to reach this point?  
  • For each goal or objective listed above, write one or more actions required to complete it.   

Startup capital 

  • List any and all startup expenses that come to mind. 
  • Next to each: 
  • Estimate the cost of any expenses you can. 
  • List the most likely source of the funding. 
  • Circle the high-priority expenses. 
  • Assess whether your available capital is going toward the high-priority items. If not, reconsider the way you will allocate funds.  

Monthly expenses

  • If you can, estimate your business’ ongoing monthly expenses immediately after launch, in three months, in six months and in one year. 
  • If you can’t, what information will you need in order to estimate your expenses?  

Monthly income 

  • What are your revenue streams? Estimate your monthly income accordingly. 
  • Which revenue sources deliver fast or slow returns? Are there other sources you could consider to diversify assets?  
  • After completing your outline, reference your responses as you work through a traditional business plan guide. This next step will allow you to expand and add more detailed information to your plan. 
  • When you’re ready to make your formal plan, reference this companion guide, a standard business plan outline  (PDF). We've also included a  business plan example  to help as you fill in your outline. 

Learn how U.S. Bank can support you and your business needs at usbank.com/small-business.

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How To Write a Business Plan for Bank in 9 Steps: Checklist

By henry sheykin, resources on bank.

  • Financial Model
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  • Value Proposition
  • One-Page Business Plan

Welcome to our blog post on How To Write a Business Plan for a Bank in 9 Steps. In today's digital age, the banking industry is undergoing a significant transformation with the rise of online banking platforms. According to recent statistics, the global digital banking market is projected to reach $22.3 trillion by 2027, with a CAGR of 8.6% from 2020 to 2027. This exponential growth highlights the immense potential for entrepreneurs and aspiring bankers to establish their own digital banking platform.

When it comes to starting a digital banking platform, having a well-designed business plan is crucial for success. A comprehensive business plan not only serves as a roadmap, but also helps attract potential investors and secure necessary funding. In this article, we will guide you through the essential steps to create a compelling business plan that banks will find irresistible.

Step 1: Conduct market research and analysis

Step 2: Determine the target market and customer profile

Step 3: Identify and analyze potential competitors

Step 4: Perform a feasibility study

Step 5: Define the unique value proposition and competitive advantage

Step 6: Develop a comprehensive financial plan

Step 7: Establish strategic goals and objectives

Step 8: Define the organizational structure and management team

Step 9: Obtain necessary licenses and regulatory approvals

In the upcoming sections, we will delve into each step in detail, providing you with valuable insights and practical tips to successfully navigate the process of writing a business plan for a bank.

Building a digital banking platform that offers convenience, security, and financial literacy can revolutionize the banking industry. So, let's dive into the first step - conducting market research and analysis to lay the foundation for your business plan.

Conduct Market Research And Analysis

Conducting thorough market research and analysis is a crucial step in developing a successful business plan for a digital banking platform. This process allows you to gain a deep understanding of the market landscape, identify potential opportunities and challenges, and make informed decisions when it comes to your target market and customer profile.

  • Identify the size and growth potential of the market: Begin by gathering data on the size of the market you intend to enter. This will help you assess the growth potential and determine if it presents a viable opportunity for your digital banking platform.
  • Analyze your target market: Dive deeper into your target market by identifying demographic characteristics, such as age, income, and location. Understanding the needs and preferences of your target market is crucial in developing tailored financial products and services.
  • Assess market trends and competition: Stay updated on the latest market trends and innovations in the digital banking industry. Analyze your potential competitors to understand their strengths, weaknesses, and market positioning. This will help you identify gaps in the market and differentiate your platform.
  • Evaluate customer needs and pain points: Interview potential customers and conduct surveys to gather insights into their financial needs, challenges, and pain points. This information will be invaluable in designing solutions that address their specific requirements.

Tips for Conducting Market Research and Analysis:

  • Utilize both primary and secondary research methods to gather comprehensive market data.
  • Monitor industry reports, publications, and online resources to stay up-to-date with market trends.
  • Consider partnering with market research firms or consultants for a more in-depth analysis.
  • Engage with potential customers through focus groups or online communities to gather qualitative insights.
  • Regularly review and update your market research to adapt to evolving market dynamics.

By conducting thorough market research and analysis, you will be equipped with valuable information to guide your business decisions and develop a compelling business plan for your digital banking platform.

Determine The Target Market And Customer Profile

Identifying and understanding your target market is crucial for the success of your digital banking platform. It allows you to tailor your products, services, and marketing efforts to meet the specific needs and preferences of your customers. Here are the important steps to determine your target market and customer profile:

  • Conduct market research: Start by conducting thorough market research to gather insights and data about the demographics, psychographics, and behavior of potential customers. This will help you understand who your ideal customers are and what they are looking for in a digital banking platform.
  • Segmentation: Once you have collected the necessary information, segment your target market based on criteria such as age, income level, location, and financial goals. This will allow you to create targeted marketing campaigns and develop personalized offerings for each segment.
  • Identify customer needs: Analyze the pain points and challenges faced by your target market. Identify their financial goals and aspirations, and determine how your platform can address their needs effectively.
  • Competitor analysis: Evaluate your competitors' target markets and customer profiles to identify any gaps or opportunities in the market. Differentiate your platform by offering unique features or services that specifically cater to your target market's needs.

Tips for determining the target market and customer profile:

  • Use surveys, interviews, and focus groups to gather firsthand feedback from potential customers. This will give you valuable insights into their preferences, pain points, and expectations.
  • Stay updated with market trends and changes in customer behavior. Continuously monitor and analyze data to ensure your target market profile remains relevant and accurate.
  • Consider utilizing data analytics tools to gain a deeper understanding of your target market. This will help you make data-driven decisions and refine your marketing strategies based on customer preferences.
  • Regularly review and adapt your target market and customer profile as your platform grows and evolves. Customer needs and preferences may change over time, and it is crucial to stay agile and proactive in meeting those changes.

Identify And Analyze Potential Competitors

Identifying and analyzing potential competitors is a crucial step in creating a business plan for a bank. This step helps you assess the competitive landscape and understand the strengths and weaknesses of other players in the market. Here are some key considerations:

  • Research: Conduct thorough research to identify existing banks and financial institutions offering similar services. Look for both traditional brick-and-mortar banks as well as digital banking platforms.
  • Online Presence: Explore their online presence and evaluate their digital banking capabilities. Look for features, functionalities, and user experience that differentiate them.
  • Competitive Advantages: Identify the unique selling propositions (USPs) of your competitors. Determine what sets them apart from others in terms of product offerings, customer service, technology, or any other factors.
  • Customer Reviews: Analyze customer reviews and feedback on various platforms to gain insights into customer satisfaction and grievances. This will help you identify areas where your competitors excel or fall short.
  • Market Share: Determine the market share and customer base of each competitor. This will give you an idea of the scale and reach you need to target.
  • Financial Performance: Analyze the financial performance of your competitors by studying their annual reports, financial statements, and any available data. This will help you understand their growth trajectory and potential vulnerabilities.
  • Look beyond direct competitors and consider indirect ones, such as fintech start-ups or alternative financial service providers.
  • Keep an eye on emerging trends and innovations in the banking industry to stay ahead of your competitors.
  • Consider conducting a SWOT (Strengths, Weaknesses, Opportunities, and Threats) analysis for each major competitor to gain a deeper understanding of their positioning.

Identifying and analyzing potential competitors is not only about understanding the competition but also about finding opportunities to differentiate your digital banking platform. By studying your competitors, you can identify gaps in the market and develop strategies that align with your unique value proposition.

Perform A Feasibility Study

A feasibility study is a crucial step in the business planning process. It involves conducting a comprehensive analysis to determine the viability of your digital banking platform. This study will help you assess the potential risks and benefits associated with your business idea and make informed decisions.

During the feasibility study, you should analyze various aspects of your business idea, including the market demand, competition, technological requirements, financial projections, and regulatory landscape. Here are the key steps to perform a feasibility study:

  • Conduct thorough market research to understand the current demand for digital banking services and identify any gaps in the market.
  • Evaluate the potential size of your target market and identify your ideal customer profile to tailor your offerings effectively.
  • Assess the competitive landscape by analyzing existing digital banking platforms, their features, pricing strategies, and customer base.
  • Consider the technological requirements for establishing and maintaining your online banking platform. Ensure that you have access to reliable and secure infrastructure.
  • Develop financial projections and assess the profitability and sustainability of your business model. Consider factors such as revenue streams, operating expenses, and potential return on investment.
  • Study the regulatory environment and identify the licenses and approvals required to operate a digital banking platform in your target market.
  • Engage with industry experts and seek their advice during the feasibility study to gain valuable insights.
  • Consider conducting surveys or focus groups to gather feedback from potential customers and validate your assumptions.
  • Regularly review and update your feasibility study as market conditions and industry trends evolve.

By conducting a thorough feasibility study, you will gain a deeper understanding of the viability and potential of your digital banking platform. This study will serve as a foundation for making informed decisions throughout the business planning process.

Define The Unique Value Proposition And Competitive Advantage

Defining the unique value proposition and competitive advantage of your digital banking platform is crucial in order to differentiate yourself from other financial institutions and attract customers. Your value proposition is the core promise you make to customers about the benefits they will receive by using your platform. Your competitive advantage is what sets you apart from competitors and gives you an edge in the market.

  • Identify Your Unique Selling Points: Determine what makes your platform unique and why customers should choose it over others. Consider features such as advanced security measures, user-friendly interface, personalized financial advice, or innovative banking solutions. These selling points will help you stand out and provide value that your competitors might not offer.
  • Prioritize Customer Needs: Understand your target market's pain points and financial needs. Tailor your offerings and services to address these specific needs. Whether it is offering low-interest rates on loans, providing competitive investment options, or simplifying the account opening process, make sure your value proposition directly addresses the challenges your customers face.
  • Analyze Competitors: Study your competitors' value propositions and competitive advantages. Identify the gaps and areas where you can excel. Look for opportunities to offer a better customer experience, more innovative products, or superior customer service. This analysis will allow you to position your platform as a market leader and attract customers seeking a better banking experience.

Tips for Defining Your Value Proposition and Competitive Advantage:

  • Emphasize the convenience and accessibility of your digital banking platform.
  • Showcase your commitment to security and privacy.
  • Highlight any partnerships or collaborations that add value to your platform.
  • Demonstrate your expertise in financial education and advisory services.
  • Offer unique features such as budgeting tools, financial planning, or rewards programs.

By clearly defining your unique value proposition and competitive advantage, you can effectively market your digital banking platform to potential customers and secure their trust and loyalty. Remember, your value proposition should clearly communicate the benefits customers will gain by choosing your platform and should differentiate you from competitors. Building a strong value proposition will be instrumental in the success of your business plan.

Develop A Comprehensive Financial Plan

Developing a comprehensive financial plan is a crucial step in creating a business plan for a bank. This plan outlines the projected financial performance of your digital banking platform and demonstrates to potential investors and lenders that your business is financially viable.

When developing your financial plan, consider the following:

  • Revenue projections: Estimate the revenue your digital banking platform is expected to generate. This can include income from various sources such as transaction fees, interest on loans, and commissions from financial products.
  • Expense projections: Forecast the expenses associated with running your platform, including personnel costs, technology infrastructure, marketing expenses, and regulatory compliance costs.
  • Capital requirements: Calculate the amount of capital needed to start and operate your digital banking platform. This includes upfront costs such as software development, marketing campaigns, and initial infrastructure investments.
  • Profitability analysis: Assess the profitability of your platform by calculating the net income and profit margin. This analysis helps determine the financial feasibility and sustainability of your business.
  • Cash flow projections: Forecast the cash flow of your digital banking platform, including the inflows from revenue and investment, as well as the outflows from expenses and loan repayments.
  • Funding sources: Identify potential funding sources for your platform, such as bank loans, venture capital investments, or crowdfunding campaigns.
  • Research industry benchmarks and financial ratios to ensure your projections are realistic and market-aligned.
  • Consider the potential impact of external factors such as economic conditions, regulatory changes, and customer behavior on your financial plan.
  • Regularly review and update your financial plan to reflect any changes in your business or market conditions.

By developing a comprehensive financial plan, you can demonstrate to banks and investors that your digital banking platform has a clear pathway to profitability and long-term success.

Establish Strategic Goals And Objectives

Establishing strategic goals and objectives is a crucial step in writing a business plan for a bank. These goals and objectives will serve as a roadmap for your digital banking platform, guiding all your actions and decisions towards a defined direction. It is important to clearly define and articulate these goals and objectives to ensure that everyone in the organization is aligned and working towards a common vision.

When establishing strategic goals and objectives, consider the long-term vision of your digital banking platform . What do you envision your platform to become in the next five or ten years? How do you see it evolving and growing? Define these aspirations into specific goals that are achievable and measurable.

Additionally, it is important to set objectives that are SMART - Specific, Measurable, Achievable, Relevant, and Time-bound. This means that each objective should be clearly defined, quantifiable, realistic, relevant to your business, and have a deadline for completion.

Here are some tips to consider when establishing strategic goals and objectives for your digital banking platform:

  • Take into account market trends and customer demands when defining goals and objectives.
  • Align your goals and objectives with your unique value proposition and competitive advantage.
  • Consider both financial and non-financial objectives, such as customer satisfaction and innovation.
  • Involve key stakeholders in the goal-setting process to ensure buy-in and commitment.
  • Regularly review and update your goals and objectives to adapt to changes in the market and industry.

By establishing clear strategic goals and objectives, you are providing a direction for your digital banking platform to strive towards. These goals will serve as a compass, guiding your decisions and actions as you work towards success in the competitive banking industry.

Define The Organizational Structure And Management Team

Defining the organizational structure and management team is a crucial step in writing a business plan for a bank. This section outlines the key individuals who will be responsible for managing the operations and achieving the strategic goals of the digital banking platform.

To begin, it is important to clearly outline the various departments and positions within the organization. This includes roles such as CEO, CFO, CTO, and COO, as well as departments like finance, technology, operations, and customer service. Clearly defining these roles and responsibilities helps establish a clear chain of command and ensures that all areas of the business are properly managed.

  • Consider including an organizational chart to visually depict the structure of the organization.
  • Provide a brief description of each key management team member's background, skills, and experience.
  • Highlight any unique qualities or expertise that these individuals bring to the table that make them a valuable asset to the organization.
  • Consider including any advisory boards or external consultants that will be involved in decision-making processes.

Furthermore, it is essential to emphasize the qualifications and experience of each member of the management team. This includes their educational background, professional accomplishments, and relevant industry experience. Demonstrating that the team possesses the necessary skills and expertise significantly strengthens the credibility of the business plan and instills confidence in potential investors or lenders.

Lastly, it is important to consider and outline any plans for future expansion or growth. As the digital banking platform evolves, so too may the organizational structure and management team. Clearly articulate the expected growth trajectory and how the team will adapt to the changing needs of the business.

By properly defining the organizational structure and management team, the business plan for a digital banking platform becomes a comprehensive document that demonstrates a solid foundation for success. This section showcases the individuals driving the business forward, while also addressing how the organization will adapt and grow over time.

Obtain Necessary Licenses And Regulatory Approvals

Obtaining the necessary licenses and regulatory approvals is a crucial step in establishing a digital banking platform. Compliance with legal and regulatory requirements ensures that your business operates within the boundaries set by governing authorities. Here are the key steps to take when seeking licenses and approvals:

  • Research Licensing Requirements: Begin by researching the specific licenses and permits required for operating a digital banking platform in your jurisdiction. Different countries and regions may have varying regulations, so it is essential to be well-informed. Consult with legal experts or industry professionals to navigate the complexities of licensing.
  • Submit Applications: Once you have identified the licenses and permits needed for your digital banking platform, prepare and submit the required applications. Be sure to provide accurate and comprehensive information, as any discrepancies or oversights could lead to delays or rejection of your application.
  • Engage with Regulatory Authorities: Throughout the licensing process, it is important to maintain open lines of communication with the relevant regulatory authorities. Address any queries or requests for additional information promptly and transparently. This will help in establishing a positive relationship with the authorities and expediting the approval process.
  • Comply with Regulatory Requirements: As you progress towards obtaining licenses and approvals, ensure that your business fully complies with all relevant regulatory requirements. This may include maintaining appropriate capital adequacy ratios, implementing robust anti-money laundering measures, and adhering to data protection and privacy laws.
  • Seek Legal Counsel: Working with experienced legal counsel specializing in financial regulations can prove invaluable during this process. They can offer guidance, review your compliance efforts, and help navigate any legal complexities that may arise.
  • Stay Updated: Regulatory frameworks and requirements are subject to change, so it is crucial to stay informed about any updates or amendments. Continuously monitor regulatory developments to ensure that your digital banking platform remains compliant.
  • Start the licensing process early: Obtaining licenses and regulatory approvals can be a time-consuming process. Starting early allows for any unexpected delays and ensures you meet your desired launch timeline.
  • Be thorough and accurate: Pay meticulous attention to detail when completing license applications. Provide all necessary documentation and information to avoid unnecessary delays or complications.
  • Engage with industry associations: Connecting with industry associations or peer networks can provide you with valuable insights into navigating the licensing process. Networking with experienced professionals can help you anticipate challenges and streamline the approval process.
  • Maintain ongoing compliance: Obtaining licenses and regulatory approvals is just the first step. Develop robust compliance procedures and internal controls to ensure ongoing adherence to regulatory requirements. Regularly review and update your compliance practices as regulations evolve.

In conclusion, writing a business plan for a bank requires careful research, analysis, and strategic thinking. By following the nine steps outlined in this checklist, you can create a comprehensive and compelling plan that demonstrates the viability of your digital banking platform. From conducting market research to obtaining necessary licenses, each step is crucial in building a strong foundation for your business. Remember to highlight your unique value proposition and competitive advantage, develop a comprehensive financial plan, establish strategic goals, and define your organizational structure. With a well-crafted business plan, you can confidently approach banks and secure the funding needed to bring your digital banking platform to life.

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Creating a Business Plan for a De Novo Bank

Home / Creating a Business Plan for a De Novo Bank

Before you open the doors of your De Novo Bank and start accepting customers, there are a few hurdles to overcome. One of the first ones is to create a business plan for your new bank.

Breaking into the banking industry takes a lot of planning and organization. A business plan, which serves as a roadmap for the new bank, provides the structure needed to start a successful bank. The business plan is used with both regulators and potential investors when seeking funding. De Novo banks should be prepared with all the required documentation before they begin speaking with investors.

How to Start a Bank

Like any business, launching a bank isn’t easy. It takes a lot of time, funding, and risk to establish a new bank. For those embarking on the ambitious journey, there are critical steps to be planned for accordingly. The steps below explain how to start a successful bank.

Establish an Organizing Group

One of the first steps to starting a bank is to determine who your partners will be. Together, the partners are referred to as the organizing group. This group is made up of five or more people who can invest in the bank’s founding.

The collective amount required is between 10 to 25% of the total capital needed to start a bank. Each member of the organizing group should have excellent credit, balance sheet, financial statement and be a trustworthy individual. Together, the organizing group applies for the necessary permissions to start a bank.

A senior management team and board of directors should also be established early  in the process. Investors will consider  the experience and investment of partners, directors, and executives.

Write a Business Plan for Your Bank

Typically, there are two different types of business plans needed to create a bank. The first one is used during presentations with initial investors. It should contain the basic information of the new business, such as the first 3 year financial and income projections, physical location and what products and services it will offer. The initial business plan should also include an analysis of competitors and a complete marketing plan.

The second business plan is used in the application to state or federal banking authorities. It contains more detailed information. A De Novo business plan template can be used as a reference.

Collect the Necessary Capital

A bank needs access to a sufficient sum of money before it can be approved. The required capital differs from state to state, so make sure to check with your department of financial institutions and regulatory  authorities. The funds can come from the following places:

●      Investors

●      The community

●      Private equity funds

●      Bank holding company

●      Existing Financial Institutions

●      Supporting financial institutions

Why You Should Create a Business Plan for a De Novo Bank

A business plan is essentially a step-by-step guide to becoming a successful and profitable business. The  main purpose is to secure funding for your De Novo bank, but it has several other benefits. Those benefits are:

●      Makes it possible to secure funding

●      Helps new banks create achievable goals

●      Tracks progress and measures results

●      Narrows down the target market and marketing plan

●      Determines the short- and long-term financial goals

Parts of a Business Plan for Investors

A comprehensive, well-thought-out business plan establishes a strong foundation for your new bank. It shows investors that the bank partners are organized and dedicated to the process, and increases the investors’ confidence in them.

An initial business plan includes several components. They include:

Proposed Location & Target Market

Provide details about the proposed location of your bank and the demographics of the population you intend to serve. Information about your target market should also be provided.

Competitive Analysis

            Investigate your immediate competitors, and explain how you plan to stand out from them. The goal is to show that the public’s conveniences and needs are not currently being met, then explain how you plan to meet them with your de novo bank.

Products & Services

            What products and services do you intend to offer your customers? Provide a basic breakdown of your offerings, and explain how they will be profitable for your bank. You should also explain how your services are safe for consumers.

Marketing Plan

            A detailed marketing plan should be included in your bank’s business plan. This plan should estimate the cost per customer acquisition as well as revenue forecasts.

Financial Documentation

        Financial projections and a pro forma should be provided, as well as the cost of:

●      Staffing

●      Launch

●      Charter application and preparation

Business Plan for Investors

A business plan sets a de novo bank up for success. Dedicating time to performing deep research and compiling all the pertinent documentation is a must.

BMA provides individualized software solutions for de novo banks. Learn more at https://www.bmabankingsystems.com/

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HOW TO WRITE A BANK BUSINESS PLAN: Simple Steps & All You Need (+ Template)

  • by Kenechukwu Muoghalu
  • August 13, 2023
  • No comments
  • 6 minute read

how to write a bank business plan

Table of Contents Hide

What is a bank business plan, why do i need a bank business plan, #1. executive summary, #2. company overview, #3. customer analysis, #4. competitive analysis, #5. marketing plan, #6. operations plan, #7. management team, #8. financial plan, #9. appendix, bank business plan template, would you want to finish your bank’s business plan as quickly as possible, what is the easiest way to complete my bank business plan, how do banks make money, can an individual own a bank.

Opening a new bank is a cool investment that requires a stipulated level of attention and responsibilities for growth to take place. However, how can you start up a financial facility without a business plan? How do you intend to nurture the goals and growth of your bank business? Every investment needs a business plan and that is why this article has every little detail on what you need to know about this plan. You will also have access to a free template checklist and basic steps on how to write a bank business plan.

We also have a ready-made bank business plan for your comfort, just in case you wish to skip all procedures and get hold of your plan today. 

A bank business plan is a document that provides a snapshot of your bank and lays out its future growth plan. Not just that, it also explains your business goals and gives strategies that can help you attain them. It is more like a road map for success, and without the road map, you cannot get to your desired destination. 

It is also important to note that only a well-detailed and articulated bank business plan can achieve its potential purposes. Your bank’s business plan should also be updated annually to accommodate new changes in your business. 

The essence of a bank business plan can vary from one business owner to another. One can start up a business plan to attract investors or lenders to aid them in raising funds because, like other businesses, the banking industry also requires capital investment on a large scale to start its operations. 

Most of the time, you will need a bank business plan to map out the goals and growth of your bank and excessively improve your chances of success. You can also need a bank business plan for a combination of both reasons. A banking industry business plan plays an important role in the initiation and expansion of banks. Moreover, a business plan for banks is also required by the financial institutions. 

To write a winning bank business plan, you need to understand some basic steps on how to construct a comprehensive and well-detailed plan. Writing a plan comes with some procedures, and you can only yield results in your company when these procedures are followed. Let’s analyze what these procedures entail. 

Simple Steps on How to Write a Bank Business Plan

The executive summary of your bank’s business plan should be an introduction to your business. It is usually the first to appear on the plan but the last to write. This is because you will need some information from other sections. This section should be interesting to your readers. Don’t fail to explain the kind of bank you run, which can be either a startup or a chain of banks. 

Also one of the steps in how to write this section of your bank business plan is to include an overview of your competitors and your financial plan. 

There are different types of banks that one can invest in, and in your company overview, you will need to detail the type of bank you are operating. 

  • Commercial Bank

A commercial bank is built to support both large corporations and small businesses. They can open a savings account, and lend money or trust funds to companies in foreign markets. 

  • Retail Bank

Retail banks are normally traditional banks that customers can access online or in person. They also offer loans and insurance. 

  • Investment Bank

This bank normally trades in stocks that are mostly between companies and investors. They can offer advice to individuals and corporations who need financial guidance. 

  • Credit Union

Credit unions are basically like traditional banks, but they are different because they’re not profit-oriented. Regardless, they perform basic operations like loans and providing savings accounts. 

When you indicate the type of bank that suits you, then you will proceed to give a brief introduction of your company. Tell your readers why you started this business and the things you have achieved. 

This is where you include the details of the customers you will be offering your services to. Your customers might be individuals, small businesses, families, or big corporations. It is important to note that each customer will be following the type of bank you run. You will also need to research your customers and try to meet your target audience. 

This is where you need to mention your competitors which can be either direct or indirect. Direct competitors are other banks, and indirect competitors are other options that your potential customers can purchase from. It can be trust accounts, investment companies, or even the stock market. They are not directly competing with your products. 

You will need to list those competitors and give a brief description of their weaknesses and strengths. Then at the end of this section, you can provide how the services you offer are unique from your competitors.

As a financial facility, your marketing strategy should include your products, price, place, and promotions. In the product section, just talk about the type of bank you run, and state the prices of the products you offer as well. The place should be the location of your bank and how that site will impact your success. The promotion is meant to explain how you will attract potential customers to your company, which can be either an advertisement, websites, flyers, or social media platforms. 

The operation plan should explain how you intend to meet the goals of your business. It should cover both the short-term and long-term processes. You should include how you intend to reshape your company within that time frame. 

Just like the name implies, this section should be all about your strong management team. Highlight your key players by including their backgrounds, skills, and experiences that prove that they are capable enough to grow a company. It is a bonus if your management team has had direct experience in managing banks. If your team is lacking, you can consider assembling an advisory board. 

A financial plan should include your 5-year financial statement. It should also cover your income statement, balance sheet, and cash flow statements. An income statement should contain your profit and loss statement. A balance sheet will cover your assets and liabilities, while a cash flow statement will determine how much money you need to start and grow your business to avoid going bankrupt. 

In the appendix section, you can include any information that can make your bank business plan more compelling. You can attach your financial projections to a list of loans you plan to give. 

Having learned how to effectively write a bank business plan, you will also need to practice the use of a template. A bank business plan template is essential when starting a bank business. It is with this template checklist that you will understand the full processes that are involved with starting a bank business. So, before you proceed with your investment, you need to keep these steps in check.

  • Know the business 
  • Write a business plan
  • Raise Capital
  • Choose a business name
  • Get a license 
  • Attract customers 

Don’t you wish there was an easier way to finish your bank’s business plan? Understandably, creating a business plan can be overwhelming, but there is a way around it. At BusinessYield Consult, we specialize in creating business plans for entrepreneurs like you. 

That is why we have composed a unique, ready-made bank business plan for your comfort. Now you won’t have to spend hours trying to get over a section of your business plan. 

All you need to do is to grab a copy of your bank business plan now! 

A business plan is essential in every company, whether a big or small business. It tends to bring some changes into every business and also helps you manage that business effectively. Although sometimes creating one for yourself might be a bit daunting, when you follow the steps above, you can come up with a successful bank business plan that will boost the growth of your company.

If you need an easier way to complete your business plan without having to go through the long process of writing one yourself, then you can try our ready-made bank business plan . 

Banks mainly make money by borrowing money from depositors and then compensating them with an interest rate. Then that same bank will lend the money to borrowers and charge them a high-interest rate. It is from that profit that their profit comes.

Yes. There is a possibility of individual ownership but most times individuals commonly buy shares of bank stock which can be directly from the bank or fund managers. 

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Kenechukwu Muoghalu

Kenny, an accomplished business writer with a decade of experience, excels in translating intricate industry insights into engaging articles. Her passion revolves around distilling the latest trends, offering actionable advice, and nurturing a comprehensive understanding of the business landscape. With a proven track record of delivering insightful content, Kenny is dedicated to empowering her readers with the knowledge needed to thrive in the dynamic and ever-evolving world of business.

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SUPPORTED LIVING BUSINESS PLAN: Template And How to Write One

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Writing a Bank Business Plan

  • Written By Dave Lavinsky

Writing a Lean Business Plan for a Bank

When it comes to seeking funding from a bank or other financial institution, one of the most important things you can do is have a well-written business plan . This document will not only give potential lenders and investors an idea of your company’s current position and future goals but will also provide them with a clear understanding of the risks involved in lending you money or investing in your business.

What is a Business Plan?

A business plan is a document that provides a detailed description of a business, its products or services, its market, and its financial projections. It is used to secure funding from lenders or investors and to provide guidance for the business’s future operations.

Why Write a Business Plan

There are several reasons why you might want to write a plan for your business, even if you’re not looking for funding, they are:

  • To clarify your company’s purpose and direction
  • To better understand your industry and customers
  • To develop a realistic financial plan and accurate projections
  • To identify potential risks and opportunities
  • To track your company’s progress over time

An effective and well-written plan is helpful for potential investors and clarifies the plans you have for any future business partners.

Sources of Business Funding for Banks

There are many sources of business funding available to banks, including:

  • Equity financing: This is when you sell a portion of your business to investors in exchange for capital. This can be a good option if you need a large amount of money quickly, as it doesn’t require you to pay back the funds over time.
  • Debt financing: This is when you borrow money from a lender, such as a bank, in exchange for repayment plus interest. This type of financing can be helpful if you need to keep your cash flow low in the early stages of your business.
  • Grants: There are several different government and private grants available to businesses, which can often be used for start-up costs or expansion.
  • Venture capital: This is when you receive funding from a venture capitalist in exchange for a portion of your company’s equity. Venture capitalists typically invest their own personal savings in high-growth businesses with a lot of potential.

Resources to Write a Bank Business Plan

To write a bank business plan, you’ll need access to a variety of resources, including:

Sample Plans for Your Business

A good place to start is by looking at some sample plans for businesses in your industry. This will give you a good idea of the types of information to include in your own plan.

Business planning software

There are a number of software programs that can help you create professional-looking plans for your business.

Market Research

When writing a business plan for a bank, it’s important to include a section on your company’s market research. This will include detailed information about your industry, your market, and your competition.

Industry Analysis

In order to accurately describe your industry and the market for your products or services, you’ll need to conduct an industry analysis. This should include information about the size and growth of the industry, the key players in the industry, and any major trends or changes that are taking place.

Target Market Analysis

To effectively market your products or services, you need to understand who your target market is. This should include information about the demographics of your target customers (age, gender, income, etc.), psychographics (lifestyle preferences, interests, etc.), and geographic (location, region).

Competition Analysis

In order to differentiate your business from the competition, you’ll need to know what they’re offering and how they’re positioning themselves in the market. This should include a SWOT analysis (strengths, weaknesses, opportunities, threats) of your competitors.

Customer Segments

A customer segment is a group of customers who share common characteristics, such as age, income, location, or lifestyle preferences. When creating business plans for a bank, it’s important to identify and target your key customer segments. This will help you focus your marketing efforts and create products and services that appeal to your target market.

There are a variety of ways to segment customers, including:

  • Demographics: Age, gender, income, location, etc.
  • Psychographics: Lifestyle preferences, interests, etc.
  • Behavior: How they interact with your brand, what channels they use to purchase products or services, etc.
  • Usage: How often they purchase your product or service, how much they spend, etc.
  • Value: How much they’re willing to pay for your product or service, how much they value customer service, etc.

Once you’ve identified your customers, you can create buyer personas. These are fictional characters that represent your ideal customer within each segment. Creating buyer personas will help you better understand your target market and create more effective marketing campaigns.

Financial templates

If you’re not familiar with financial terminology or calculations, use a financial template to help you develop your business’s financial projections as well as including an income statement and balance sheets.

Accounting and Legal Advice 

It’s important to seek out accounting and legal advice from professionals who can help ensure that your business plan is accurate and complete.

Bank Business Plan Template

While there is no one-size-fits-all template for writing a business plan, there are some key elements that should be included. Here is a brief overview of what should be included:

Executive Summary

This is a high-level overview of your company, its products or services, and its financial situation. Be sure to include information on your target market, your competitive advantage, and your plans for growth.

Company Description

This section provides more detail on your company, including its history, structure, and management team. Be sure to include information on your company’s mission and vision, as well as its values and goals.

Products and Services

Here you will describe your company’s products or services in detail, including information on your target market and your competitive advantage.

Market Analysis

In this section, you will provide an overview of your market, including demographic information and information on current and future trends. This is also a good section to add the marketing plan you have developed to appeal to potential customers.

Sales and Marketing

This section will detail your sales and marketing strategy, including information on your pricing, your distribution channels, and your promotion plans.

Financial projections

This is perhaps the most important section of your business plan, as it will provide lenders and investors with an idea of your company’s financial health. Be sure to include detailed information on your past financial performance, as well as your projections for future revenue and expenses. This is also a good section to include your cash flow statements, income statements, and information about any bank accounts opened for your business.

This is where you will include any supporting documents, such as your financial statements, marketing materials, or product data sheets.

While this is not an exhaustive list of everything that should be included in your bank business plan, it covers the most important elements. By taking the time to write a well-thought-out and detailed business plan, you will increase your chances of securing the funding you need to grow your business.

Opening a bank is a detailed and complex process, but it can be enormously rewarding both professionally and financially. The best way to increase your chances of success is to write a business plan that outlines all aspects of opening and running a bank. This document should include market analysis, organizational structure, financial projections, and more. Our team has extensive experience helping entrepreneurs open banks. We have created a comprehensive business plan template that covers all the key points you need to consider when writing your own business plan. By following our template, you can be sure that you haven’t missed any essential elements in your planning process. Investing in professional help when writing your business plan gives you the best chance for success when opening a new bank.

Bank Business Plan Template FAQs

Do i need to use a business plan template.

There is no one-size-fits-all answer to this question. If you are seeking funding from a lender or investor, they may have specific requirements for the format and content of your business plan. In other cases, using a template can be helpful in ensuring that you include all of the important information in your plan.

Where can I find a business plan template?

There are a number of resources that offer business plan templates, including the Small Business Administration (SBA) and the U.S. Chamber of Commerce. Additionally, many software programs that offer business planning tools also include templates.

How long should my business plan be?

Again, there is no one-size-fits-all answer to this question. The length of your business plan will depend on the complexity of your business and the amount of detail you need to include. In general, however, most business plans range from 20 to 50 pages.

Do I need to hire a professional to help me write my business plan?

While you are not required to hire a professional to write your business plan, it may be helpful to do so. A professional can help you ensure that your plan is well-written and free of errors. Additionally, they can offer advice on how to best structure your plan and make it more likely to succeed.

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Executive Summary

Executive Summary

You never get a second chance to make a great first impression. An Executive Summary provides a concise yet compelling snapshot of your venture , ensuring lenders immediately grasp its potential and viability. Integral to this is clearly stating your startup costs and the specific reasons why. The Executive Summary should stand on its own, but more than that, it should leave the banker wanting to learn more.

Company Overview

Company Overview

This company description provides a comprehensive overview of your business, highlighting its unique business model, products and services, and competitive advantage. It underscores your business's unique value proposition , its position within the market, and, critically, details of the sources and uses of funds during the startup, expansion, or acquisition phase.

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Market Analysis

To secure a bank loan, your business plan must demonstrate deep understanding of your local market and offer a thorough industry analysis to gauge your projections within that context . Masterplans employs industry-leading market research tools , such as Statista, IBISWorld, and Esri's Business Analyst, to ensure that you grasp the broader industry trends as well as the dynamics of your specific target market.

Strategy & Implementation

Strategy & Implementation

The "Strategy & Implementation Summary" provides a detailed roadmap of pragmatic steps and tactics essential for reaching your business goals. Included is a synopsis of your marketing plan, meticulously crafted to convey how your business will attract your target customer .

Management Summary

Management Team

At the heart of a business's potential to service a loan is the capability of the business owner and managers. By spotlighting the hands-on professional experience and industry knowledge that prepares them to run and manage the business effectively, Masterplans ensures that a potential lender will have confidence in the leadership's ability to drive consistent performance.

Financial Projections

Financial Projections

Masterplans builds a custom five-year financial projection, which includes an income statement, cash flow statement , and balance sheets that are grounded in solid assumptions and drivers. This approach ensures bankers see a realistic and reliable revenue projection , ensuring key metrics like the Debt Service Coverage Ratio (DSCR) are met.

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It read so fluidly. every page led into the next, and it was easy for the bank to find the information they needed.”.

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We put you in the driver’s seat, rather than being just another loan applicant, transform yourself into a sought-after client, making banks compete for your business..

A bank-ready business plan from Masterplans not only showcases your company's potential, but also outlines potential risks and offers strategies to address them , reassuring lenders of your proactive approach.

Our team of business plan writers provide small business owners with the leverage to attract multiple lenders, ensuring you get the best possible terms. With Masterplans, you're not just obtaining a loan; collaborating with us means delving into strategic planning that not only secures loan terms to set you up for success, but also ensures you're fully prepared to capitalize on it .

Our Latest Bank-Ready Business Plans

For over 21 years, we've been privileged to collaborate with clients spanning every industry. below are just a few of the 18,000+ business plan projects we've worked on..

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Christina hersey, with over a decade of experience as a business plan writer, christina helps clients understand and exceed the stringent requirements of banks and the sba..

Christina's clients frequently commend her uncanny ability to "get into their head," a talent she seamlessly integrates into her role as Team Lead. She's fluent in English, Greek, and Spanish. Her dedication to excellence ensures that every business plan is not only compliant but also compelling, positioning entrepreneurs for success.

Meet The Team ›

Business plans for sba & bank loans faqs,  we've compiled a list of frequently asked questions to provide clarity on our service and process. if you don't find the answer to your specific question here, please don't hesitate to contact us ., how is the cost of a business plan for bank and sba loans determined.

Our pricing is influenced by several factors including industry type, plan length and scope, variables like multiple physical locations, the intended audience, and your timeframe.

Our bank-ready business plans typically range from $1,800 to $5,100, based on complexity and the team members required. This fee covers an in-depth discovery process, detailed research, professional writing and editing, and advanced financial modeling. We are happy to provide a complete scope of work for your project, free of charge, in as little as 24 hours. Simply contact us to set up an appointment.

For more information about what is included in our engagements, please see our pricing page .

How many pages is an bank-ready business plan?

The ideal length of a bank/SBA-loan business plan is precisely as long as it needs to be, and not a page more. While most bank-ready business plans fall within the 30-45 page range, with around 15 pages dedicated to financial statements, it's essential to remember that quality isn't determined by page count. Evaluating a business plan's merit based solely on its length misses the true value and depth of its content. 

You can see some examples of our bank-ready business plans here .

How long will my business plan project take?

Our projects kick off within 24 hours of receiving payment. From there, the timeline largely depends on your pace and preferences. Some clients prefer a more deliberate and procedural approach, while others are working against tight deadlines. Typically, we can deliver a complete first draft of the business plan within two weeks. We offer both 45-day and 90-day engagement timelines, ensuring ample time to integrate your feedback and steer the direction of the project.

You can learn more about our process and timeline here.

Do you guarantee funding, or accept payment after funding?

Our primary goal is to provide a top-notch business plan that positions clients in the best light for lenders. There are too many other factors involved for us to guarantee funding. We do, however, guarantee that if your bank loan is turned down on the basis of the business plan, we will refund your money in full. (Note: In over 20 years of business plan writing, this has never happened. Not once.)

As far as payments go, all terms are discussed upfront, and payment after funding is not a typical arrangement.

Will you help find funding?

While we specialize in crafting bank-ready business plans, we are not a certified SBA loan broker, which means we don't facilitate the SBA loan application process directly in exchange for a fee. However, over our 21-year tenure, we've fostered relationships with both regional and national banks. As a result, we are often able to make introductions where appropriate.

For those specifically interested in SBA loans, many clients find success working with preferred SBA lenders in your local market. We recommend using the SBA's Lender Match tool to find suitable lenders. You can access this resource at SBA Lender Match .

What experience do I need for an SBA loan?

Experience is a crucial factor when it comes to securing a loan for your business. Most lenders, including those offering SBA-backed loans, require applicants to have a certain level of experience in the industry or business they intend to operate; for example, the SBA typically requires a small business owner to have a minimum of five years of relevant experience. This experience can be in a management or operational role within the industry. If you lack direct industry experience but have other strong qualifications, such as a solid track record in a management or supervisory role in another field, you may still be considered for a loan.

The aim of this requirement is to ensure that you have the necessary expertise to manage and grow a successful enterprise. Lenders view this experience as a strong indicator of your ability to repay the loan and operate a viable business.

For more details on what's required for an SBA-backed loan, you can refer to our comprehensive guide on SBA loans .

Will a bank or the SBA fully-fund my business?

In many instances, SBA loans necessitate collateral as a form of security for the lender. Most SBA loans will require a down payment of 20%, and having assets that can be used as collateral can enhance your loan application. Additionally, demonstrating a personal investment in your business showcases commitment and responsibility, further augmenting your eligibility.

How important is my credit score when presenting my business plan to lenders or investors?

Your credit score plays a pivotal role when seeking financing, especially from traditional lenders like banks. It serves as a numerical summary of your financial reliability based on your past borrowing and repayment behaviors.

Most banks have minimum credit score requirements, often setting a threshold at or above 600. It's common for lenders to have a benchmark of 620. A higher score not only increases your likelihood of securing financing but can also secure more favorable terms for the loan.

Can a bank business plan be used to find an investor?

Generally, the expectations and objectives of investors differ from those of bank lenders. Banks tend to prioritize funding small businesses that foster local job creation, adopting a naturally conservative approach. In contrast, investors typically search for ventures with potential for rapid scaling and significant earnings, inherently embracing greater risk.

However, there are unique scenarios, especially when real estate plays a role , where an investor might be included in the capital stack. In such instances, we are well-equipped and eager to assist in presenting these cases effectively.

Do you use a standard "business plan template" or an "SBA business plan template" when developing plans for clients?

Every business is distinct, and consequently, every business plan we develop is uniquely tailored to that enterprise. While we don't rely on a specific "business plan template" or "SBA business plan template," our vast experience allows us to craft plans with efficiency. By building on our accumulated knowledge, we ensure both customization and efficiency in our deliverables.

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Leverage over two decades of experience by scheduling a free , no-obligation, 30-minute consultation with  one of our business plan experts..

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The Latest from the Masterplans Blog

Are you looking for quick tips and advice on business planning and entrepreneurship.

Our latest blog posts offer valuable insights that cover a range of essential topics – from the art of refining a business idea and how to write business plans for banks, to the qualifications and requirements of SBA lending.

How to Write a Management Summary for Your Business Plan

Entrepreneurs are often celebrated for their uncanny ability to understand others – their customers, the market, and the ever-evolving global landscape. However, sometimes the most...

Understanding Venture Debt vs Venture Capital

Despite growth in sectors like artificial intelligence, venture capital funding has seen better days. After peaking at $347.5 billion in 2021, there was a 30% decline in equity...

Going Beyond Writing: The Multifaceted Role of Business Plan Consultants

Most people think of a professional business plan company primarily as a "business plan writer." However, here at Masterplans, we choose to approach this role more broadly and...

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PNC adds mobile bank in Delaware as company announces $1 billion in renovations and new branches

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PNC has added a mobile bank in an area outside Wilmington as part of a branch expansion and renovation program.

The nationwide plan includes spending about $1 billion to open more than 100 new locations and renovate more than 1,200 existing locations by 2028.

PNC spokesman Jason Beyensdorfer said no new branches are planned in the First State, although a few branches are likely to see renovations. PNC has one of the largest branch networks in Delaware.

The PNC mobile bank, one of 10 in its nationwide network, is making scheduled stops at the Goodwill headquarters near. Wilmington, according to Beyensdorfer.

“From Philadelphia to Delaware to Southern New Jersey, we are committed to delivering PNC’s retail banking services to all of our customers and community members,” said Travis Branch, PNC retail banking executive vice president and market manager.” These services are a vital ingredient in helping create communities that are economically vibrant. The mobile branch represents the fulfillment of our goal of making banking solutions easier than ever to access within the city and beyond.”

PNC will build and open new branches in newer markets, including Austin, Dallas, Denver, Houston, Miami, and San Antonio, among others as a way to build a nationwide footprint. PNC has

Like most long-time banks in Delaware, PNC has been selectively closing branches in Delaware that are close to another office.

Despite customers turning to online banking, banks are not abandoning branches. In fact, example, Chase, the nation’s largest bank now has 11 offices in Delaware. Customers are also seeing more mailers from banks offering incentives if acccounts are switched.

“Our branch network is the heartbeat of our retail business, offering friendly and convenient service to the millions of customers who step through our doors every single month,” said Alex Overstrom, head of PNC Retail Banking. “Whether to finance a home, deposit a check, or save for retirement, our customers count on our 15,000 branch team members to support their holistic financial needs. By investing in our network, we are supporting our customers, our team members, and the communities where we live and work.”

PNC currently has about 2,300 brick-and-mortar locations across the country. In addition, the bank serves customers through more than 60,000 PNC and partner ATMs nationwide as well as through online and mobile banking platforms and its customer care center. In the Delaware Valley, PNC operates ATMS at Wawa locations.

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I'm a financial planner — I have 4 tips for my business owner clients looking to open a business bank account

Our experts choose the best products and services to help make smart decisions with your money ( here's how ). In some cases, we receive a commission from our partners ; however, our opinions are our own. Terms apply to offers listed on this page.

  • Legally protecting yourself in case of an audit is the No. 1 reason to use a business bank account.
  • Different banks will offer different levels of convenience, and they'll come with different fees.
  • Fraud detection and other security features are especially important for protecting your business.

Insider Today

When starting a business, it can be overwhelming thinking about all the things you need to do and consider. However, it is essential that you do not overlook the value of opening a business bank account — usually both a business checking account and a high-yield business savings account .

As a CPA and financial planner, one of the first things I tell all my business owner clients to do is to keep their personal and business transactions separate. While there are a multitude of reasons you should have a separate bank account for your business, legal protection is certainly the most important.

If you experience an audit, it is important to have an easy way to track your business expenses and income. When business finances are commingled with personal finances, it becomes nearly impossible to provide a clear financial trail.

When choosing a business bank account, there are several important factors to consider. Here are four things I tell my business owner clients to consider when choosing a business bank account.

1. Access to banking services and customer service

When it comes to running a business, a variety of banking services can help you effectively manage your business finances. Beyond just opening a business bank account, you want to ensure that the financial institution you choose can provide access to services such as a checking account, savings account, business loans , wire transfers, fraud prevention services, a notary, checkbooks, business credit cards , online and mobile banking, and bill payment services.

If you want more one-on-one attention from a banker, consider opening an account with your local bank or credit union. You may also prefer a physical branch if you plan to make daily deposits or withdrawals of cash or checks.

This may be more challenging to do with an online bank. Many online banks may offer deposits and withdrawals, but their ATM network may not be as large as a well-known brick-and-mortar bank. For this reason, some small business owners open an account at their local bank where they have their personal accounts and know the level of customer service they will receive.

Consider opening your business checking and savings accounts at different financial institutions so that you can have access to both better banking services at a physical branch and higher interest rates at an online bank.

2. Terms and fees (including minimum balance)

The fees associated with business bank accounts can vary widely depending on the financial institution. Some of the most common fees to be aware of include monthly maintenance fees, overdraft fees , wire transfer fees, minimum balance fees, and ATM fees.

You may find that online banks charge fewer fees than brick-and-mortar banks, but you must consider this in conjunction with the other features.

Seek an account with reasonable fees that can accommodate your business.

3. Ease of paying contractors

Some business bank accounts, especially online accounts, offer free invoicing and bookkeeping software/features.

If you use accounting software (such as QuickBooks) to manage your business finances, accessing a business bank account that offers integration features may be desirable. Trust me, this will make your or your accountant's life much easier.

In addition, some accounts allow integrations with payroll and tax preparation software. This will help to make the process of paying contractors with 1099s more seamless.

4. The bank's security offerings

One of the most important things you should consider when choosing a business bank account is security. There are certain features that you want to look for to make sure your account is protected.

First, you want to make sure that the bank you choose is FDIC-insured (or NCUA-insured if a credit union). In addition, you want to make sure that the institution has additional layers of security such as multi-factor authentication and fraud detection services, which include account monitoring and alerts for suspicious activity.

Ensure that whatever bank you choose offers the best security features to protect your business from fraud.

When choosing a bank account, consider all the various banking features offered by different financial institutions to find the one that best suits your business's financial needs. Also, remember that your decision is not permanent. It is easy to switch banks if necessary.

Watch: The 3 most important things you need to know about starting a business

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U.S. Department of the Treasury

Treasury publishes 2024 national risk assessments for money laundering, terrorist financing, and proliferation financing.

Reports Confirm and Update Key Illicit Finance Concerns in Response to Evolving Threat and Risk Environment 

WASHINGTON –  Today, the U.S. Department of the Treasury published the 2024 National Risk Assessments on Money Laundering, Terrorist Financing, and Proliferation Financing. These reports highlight the most significant illicit finance threats, vulnerabilities, and risks facing the United States. 

The reports detail recent, significant updates to the U.S. anti-money laundering/counter-financing of terrorism framework and explain changes to the illicit finance risk environment. These include the ongoing fentanyl crisis, foreign and domestic terrorist attacks and related financing, increased potency of ransomware attacks, the growth of professional money laundering, and continued digitization of payments and financial services. These assessments also address how significant threats to global peace and security—such as Russia’s ongoing illegal, unprovoked, and unjustified war in Ukraine and Hamas’s October 7, 2023 terrorist attacks in Israel—have shaped the illicit finance risk environment in the United States.

Today’s publications are the fourth iterations of the money laundering and terrorist financing risk assessment, and the third update of the proliferation financing risk assessment, in less than a decade. The public and private sectors can use these updated risk assessments to better understand the current illicit finance environment and inform their own risk mitigation strategies. 

“Whether it’s terrorism, drug trafficking, Russian aggression, or corruption, illicit finance is the common thread across our nation’s biggest national security threats,” said Under Secretary of the Treasury for Terrorism and Financial Intelligence Brian E. Nelson. “Treasury, through our National Risk Assessments, is at the cutting edge of analyzing the global risk environment to protect the U.S. and international financial systems from abuse by illicit actors. We urge both the public and private sectors to engage with these reports, as well as our forthcoming National Strategy for Combatting Terrorist and Other Illicit Finance.”

Key findings:

  • Money Laundering : Criminals use both traditional and novel money laundering techniques, depending on availability and convenience, to move and conceal illicit proceeds and promote criminal activity that harms Americans. The crimes that generate the largest amount of illicit proceeds laundered in or through the United States remain fraud, drug trafficking, cybercrime, human trafficking and human smuggling, and corruption. The United States continues to face both persistent and emerging money laundering risks related to: (1) the misuse of legal entities; (2) the lack of transparency in certain real estate transactions; (3) the lack of comprehensive AML/CFT coverage for certain sectors, particularly investment advisers; (4) complicit merchants and professionals that misuse their positions or businesses; and (5) pockets of weaknesses in compliance or supervision at some regulated U.S. financial institutions. 
  • Terrorist Financing : The United States continues to face a wide range of terrorist financing threats and actors, both foreign and domestic. Consistent with the 2022 risk assessment, the most common financial connections between individuals in the United States and foreign terrorist groups entail individuals directly soliciting funds for or attempting to send funds to foreign terrorist groups utilizing cash, registered money services businesses, or in some cases, virtual assets. The 2024 report also discusses Hamas and the ways they exploit the international financial system, including through solicitation of funds from witting and unwitting donors worldwide. Additionally, domestic violent extremist movements have proliferated in recent years, posing an elevated threat to the United States and continued challenges for law enforcement.
  • Proliferation Financing : Russia and the Democratic People’s Republic of Korea (DPRK) presented heightened risk since the 2022 assessment. To support its unlawful war in Ukraine, Russia has expanded efforts to illegally acquire U.S.-origin goods with military applications using a variety of obfuscation techniques, such as the use of front companies and transshipment points around the world. Networks linked to the DPRK increasingly exploit the digital economy, including through hacking of virtual asset service providers and the overseas deployment of fraudulent information technology workers.

Treasury’s Office of Terrorist Financing and Financial Crimes led the assessment process and coordinated closely with offices and bureaus across the Department, relevant law enforcement and regulatory agencies, staff of the federal functional regulators, and across the intelligence and diplomatic communities.

In the coming weeks, Treasury will release the 2024 National Strategy for Combatting Terrorist and Other Illicit Finance, a strategic plan directly informed by the analysis contained in the risk assessments. In the strategy, Treasury will share recommendations for addressing the highlighted issues. This valuable feedback has aided Treasury in assessing and addressing illicit finance risk identified in prior iterations of the strategy to support improvements to the AML/CFT regime, including the launching of the new beneficial ownership reporting requirement that went into effect on January 1, 2024, and informing forthcoming proposed rules to address illicit finance vulnerabilities in the residential real estate sector and for certain investment advisers.

The 2024 National Money Laundering Risk Assessment

The 2024 National Terrorist Financing Risk Assessment

The 2024 National Proliferation Financing Risk Assessment

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How to Write a Successful Digital Bank Business Plan (+ Template)

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Creating a business plan is essential for any business, but it can be especially helpful for digital bank businesses that want to improve their strategy or raise funding.

A well-crafted business plan outlines the vision for your company, but also documents a step-by-step roadmap of how you will accomplish it. To create an effective business plan, you must first understand the components essential to its success.

This article provides an overview of the critical elements every digital bank business owner should include in their business plan.

Download the Ultimate Business Plan Template

What is a Digital Bank Business Plan?

A digital bank business plan is a formal written document describing your company’s business strategy and feasibility. It documents the reasons you will be successful, your areas of competitive advantage, and it includes information about your team members. Your business plan is a critical document that will convince investors and lenders (if needed) that you are positioned to become a successful venture.

Why Write a Digital Bank Business Plan?

A digital bank business plan is required for banks and investors. The document is a clear and concise guide to your business idea and the steps you will take to make it profitable.

Entrepreneurs can also use this as a roadmap when starting their new company or venture, especially if they are inexperienced in starting a business.

Writing an Effective Digital Bank Business Plan

The following are the critical components of a successful digital bank business plan:

Executive Summary

The executive summary of a digital bank business plan is a one- to two-page overview of your entire business plan. It should summarize the main points, which will be presented in full in the rest of your business plan.

  • Start with a one-line description of your digital bank company
  • Provide a summary of the key points in each section of your business plan, which includes information about your company’s management team, industry analysis, competitive analysis, and financial forecast, among others.

Company Description

This section should include a brief history of your company. Include a short description of how your company started and provide a timeline of milestones your company has achieved.

You may not have a long company history if you are just starting your digital bank business. Instead, you can include information about your professional experience in this industry and how and why you conceived your new venture. If you have worked for a similar company or been involved in an entrepreneurial venture before starting your digital bank firm, mention this.

You will also include information about your chosen digital bank business model and how, if applicable, it is different from other companies in your industry.

Industry Analysis

The industry or market analysis is an important component of a digital bank business plan. Conduct thorough market research to determine industry trends and document the size of your market. 

Questions to answer include:

  • What part of the digital bank industry are you targeting?
  • How big is the market?
  • What trends are happening in the industry right now (and if applicable, how do these trends support your company’s success)?

You should also include sources for your information, such as published research reports and expert opinions.

Customer Analysis

This section should include a list of your target audience(s) with demographic and psychographic profiles (e.g., age, gender, income level, profession, job titles, interests). You will need to provide a profile of each customer segment separately, including their needs and wants.

For example, a digital bank business’ customers may include:

  • Small businesses that need online banking solutions
  • Start-ups and tech companies that are looking for innovative ways to manage their finances
  • Freelancers and consultants who need a simple way to get paid and track expenses

You can include information about how your customers decide to buy from you and what keeps them buying from you.

Develop a strategy for targeting those customers who are most likely to buy from you, as well as those that might be influenced to buy your products or digital bank services with the right marketing.

Competitive Analysis

The competitive analysis helps you determine how your product or service will differ from competitors, and what your unique selling proposition (USP) might be that will set you apart in this industry.

For each competitor, list their strengths and weaknesses. Next, determine your areas of competitive advantage; that is, in what ways are you different from and ideally better than your competitors.

Below are sample competitive advantages your digital bank business may have:

  • 24/7 customer service
  • Higher deposit limits
  • More locations
  • Better mobile app

Marketing Plan

This part of the business plan is where you determine and document your marketing plan. . Your plan should be laid out, including the following 4 Ps.

  • Product/Service : Detail your product/service offerings here. Document their features and benefits.
  • Price : Document your pricing strategy here. In addition to stating the prices for your products/services, mention how your pricing compares to your competition.
  • Place : Where will your customers find you? What channels of distribution (e.g., partnerships) will you use to reach them if applicable?
  • Promotion : How will you reach your target customers? For example, you may use social media, write blog posts, create an email marketing campaign, use pay-per-click advertising, or launch a direct mail campaign. Or you may promote your digital bank business via a PR or influencer marketing campaign.

Operations Plan

This part of your digital bank business plan should include the following information:

  • How will you deliver your product/service to customers? For example, will you do it in person or over the phone?
  • What infrastructure, equipment, and resources are needed to operate successfully? How can you meet those requirements within budget constraints?

You also need to include your company’s business policies in the operations plan. You will want to establish policies related to everything from customer service to pricing, to the overall brand image you are trying to present.

Finally, and most importantly, your Operations Plan will outline the milestones your company hopes to achieve within the next five years. Create a chart that shows the key milestone(s) you hope to achieve each quarter for the next four quarters, and then each year for the following four years. Examples of milestones for a digital bank business include reaching $X in sales. Other examples include expanding to new markets, developing new products and services, and hiring new personnel.

Management Team

List your team members here, including their names and titles, as well as their expertise and experience relevant to your specific digital bank industry. Include brief biography sketches for each team member.

Particularly if you are seeking funding, the goal of this section is to convince investors and lenders that your team has the expertise and experience to execute on your plan. If you are missing key team members, document the roles and responsibilities, you plan to hire for in the future.

Financial Plan

Here, you will include a summary of your complete and detailed financial plan (your full financial projections go in the Appendix). 

This includes the following three financial statements:

Income Statement

Your income statement should include:

  • Revenue : how much revenue you generate.
  • Cost of Goods Sold : These are your direct costs associated with generating revenue. This includes labor costs, as well as the cost of any equipment and supplies used to deliver the product/service offering.
  • Net Income (or loss) : Once expenses and revenue are totaled and deducted from each other, this is the net income or loss.

Sample Income Statement for a Startup Digital Bank Firm

Balance sheet.

Include a balance sheet that shows your assets, liabilities, and equity. Your balance sheet should include:

  • Assets : All of the things you own (including cash).
  • Liabilities : This is what you owe against your company’s assets, such as accounts payable or loans.
  • Equity : The worth of your business after all liabilities and assets are totaled and deducted from each other.

Sample Balance Sheet for a Startup Digital Bank Firm

Cash flow statement.

Include a cash flow statement showing how much cash comes in, how much cash goes out and a net cash flow for each year. The cash flow statement should include ash flow from:

  • Investments

Below is a sample of a projected cash flow statement for a startup digital bank business.

Sample Cash Flow Statement for a Startup Digital Bank Firm

Finally, you will also want to include an appendix section which will include:

  • Your complete financial projections
  • A complete list of your company’s business policies and procedures related to the rest of the business plan (marketing, operations, etc.)
  • Any other documentation which supports what you included in the body of your business plan.

Create Your Digital Bank Business Plan

Writing a good business plan gives you the advantage of being fully prepared to launch and/or grow your digital bank company. It not only outlines your business vision but also provides a step-by-step process of how you are going to accomplish it.

Now that you know how to write a business plan for your digital bank, you can get started on putting together your own.  

Finish Your Business Plan in 1 Day!

Wish there was a faster, easier way to finish your business plan?

With our Ultimate Business Plan Template you can finish your plan in just 8 hours or less!

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Tietoevry up on higher dividend, progress in banking de-merger

** Tietoevry proposes a dividend of 1.47 euros per share for 2023, 1.4% higher than the 1.45 euros a year earlier

** In a separate statement, the company says the separation process of the banking business continues, with the aim of completing the de-merger on June 30

** DNB Bank analyst Christoffer Wang Bjornsen says the dividend is higher than consensus expected, which could be an indication management expects to cash flow to improve, or for Tech Services/Banking units to be sold at a decent price

** He adds the share reaction is also due to the management saying there is interest from buyers for both businesses

** OP Markets analyst Kimmo Stenvall says the banking de-merger progressing should add value as a separate company

** Stenvall adds Q4 report and 2024 outlook were "a little bit soft, but only marginally", and notes the "good" dividend yield of 6.9%

** The stock is the top performer on the Helsinki blue-chip index (.OMXH25)

IMAGES

  1. Businessplan Für Die Bank Muster

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  2. How to Prepare a Business Plan for a Bank Loan Proposal

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  3. Ondernemingsplan maken: in 7 stappen

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  4. How to Write a Business Plan

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  5. 30 60 90 Day Plan for New Bank Managers Template

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  6. FREE How to Build a Business Plan That Actually Works [ 9+ Samples ]

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VIDEO

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COMMENTS

  1. Hoe stel je een business plan op?

    Ondernemingsplan Hoe stel je een business plan op? Wil je een eigen zaak opstarten? Dan heb je ook een business plan en een financieel plan nodig. Een business plan of ondernemingsplan is een strategisch plan dat je inzicht geeft in de haalbaarheid van je idee.

  2. Bank Business Plan Template [Updated 2024]

    Written by Dave Lavinsky Bank Business Plan Over the past 20+ years, we have helped over 500 entrepreneurs and business owners create business plans to start and grow their banks. If you're unfamiliar with creating a bank business plan, you may think creating one will be a time-consuming and frustrating process.

  3. 10 Steps for Crafting an Effective Business Plan for Your Bank

    Business plans spell out exactly where the bank expects to be one year on and how it will get there. Strategic plans should not have numbers; business plans should be full of numbers. Don't Mix Up the Two: Some executives make the mistake of conflating business plans with strategic plans.

  4. How to Write a Business Plan to Start a Bank in 2024

    A bank business plan is a document that describes the bank's goals, strategies, operations, and financial projections. It communicates the bank's vision and value proposition to potential investors, regulators, and stakeholders. A SBA business plan should be clear, concise, and realistic.

  5. Bedrijfsplan schrijven in 10 stappen, hoe pak je het aan?

    Het schrijven van een bedrijfsplan kost tijd. Pak het slim aan en ga aan de slag met de richtlijnen van het Sequoia-principe. Zo schrijf je in tien eenvoudige stappen een gedegen ondernemingsplan. Het Sequoia-principe bevat 10 richtlijnen voor het maken van een compleet businessplan. Dat vertaalt zich in onderstaande stappen.

  6. How To Write A Successful Bank Business Plan + Template

    A bank business plan is a formal written document describing your company's business strategy and feasibility. It documents the reasons you will be successful, your areas of competitive advantage, and it includes information about your team members.

  7. Gratis ondernemingsplannen diverse branches

    Daarom krijg je van ons voorbeelden van een ondernemingsplan voor zeven verschillende branches: ZZP, Zakelijke dienstverlening, Persoonlijke dienstverlening, Detailhandel en webwinkel, Bouw, Horeca en Zorg. Zo'n voorbeeld geeft je een goed beeld hoe een compleet businessplan eruit ziet. Inclusief het financieel plan.

  8. Business plan opstellen: stap voor stap

    Ook al is dat een winkeltje om de hoek. Een business plan of ondernemingsplan opstellen verplicht je om je droom concreet onder woorden te brengen. Eerst voor jezelf. Daarna ook voor anderen die je bij je plan betrekt. (Zoals latere vennoten of de bank die je over de brug wilt halen). Ga er dus maar even voor zitten!

  9. How to Write a Business Plan Banks Can't Resist

    Shutterstock. In the book, Write Your Business Plan, the staff of Entrepreneur Media offer an in-depth understanding of what's essential to any business plan, what's appropriate for your venture ...

  10. How to start a business plan

    May 27, 2023 A successful business plan can help you focus your goals and take actionable steps toward achieving them. Here's what to consider as you develop your plan. Regardless of whether or not you're pitching to investors and lenders, starting a business requires a plan.

  11. The Inside Scoop: What Banks Look for in a Business Plan

    Your business plan is a tool banks will use when examining your character, capacity, collateral, capital, and conditions (the "five Cs of credit"). It's important for the bank to have a deeper understanding of your business to build credibility.

  12. How To Write a Business Plan for Bank in 9 Steps: Checklist

    Step 1: Conduct market research and analysis Step 2: Determine the target market and customer profile Step 3: Identify and analyze potential competitors Step 4: Perform a feasibility study Step 5: Define the unique value proposition and competitive advantage Step 6: Develop a comprehensive financial plan

  13. PDF Getting started on your business plan: A workbook

    A well-crafted plan will continue to serve you throughout the life of your business. Expect to update your document regularly to ensure the information is current and aligns with the overall goals and growth of your organization. Instructions: Use this workbook to solidify and document the core components of your business plan.

  14. How To Write A Business Plan (2024 Guide)

    Describe Your Services or Products. The business plan should have a section that explains the services or products that you're offering. This is the part where you can also describe how they fit ...

  15. Creating a Business Plan for a De Novo Bank

    A business plan, which serves as a roadmap for the new bank, provides the structure needed to start a successful bank. The business plan is used with both regulators and potential investors when seeking funding. De Novo banks should be prepared with all the required documentation before they begin speaking with investors. How to Start a Bank

  16. How To Write A Commercial Bank Business Plan + Template

    A commercial bank business plan is a formal written document describing your company's business strategy and feasibility. It documents the reasons you will be successful, your areas of competitive advantage, and it includes information about your team members.

  17. HOW TO WRITE A BANK BUSINESS PLAN: Simple Steps & All You Need (+ Template)

    What is a Bank Business Plan? Why Do I Need a Bank Business Plan? Simple Steps on How to Write a Bank Business Plan #1. Executive Summary #2. Company Overview #3. Customer Analysis #4. Competitive Analysis #5. Marketing Plan #6. Operations Plan #7. Management Team #8. Financial Plan #9. Appendix Bank Business Plan Template

  18. Writing a Bank Business Plan

    The best way to increase your chances of success is to write a business plan that outlines all aspects of opening and running a bank. This document should include market analysis, organizational structure, financial projections, and more. Our team has extensive experience helping entrepreneurs open banks.

  19. Simple Business Plan Template (2024)

    This section of your simple business plan template explores how to structure and operate your business. Details include the type of business organization your startup will take, roles and ...

  20. Business Plans for Bank & SBA Loans » Masterplans

    The ideal length of a bank/SBA-loan business plan is precisely as long as it needs to be, and not a page more. While most bank-ready business plans fall within the 30-45 page range, with around 15 pages dedicated to financial statements, it's essential to remember that quality isn't determined by page count. Evaluating a business plan's merit ...

  21. What does your bank want to see in a business plan?

    If you're hoping to approach your bank for a loan to help you with your business venture, having a solid business plan is a must. Business banking managers will want to know as much about your company as possible to help them decide whether your idea is one they can trust to be profitable, so you need to demonstrate that your business is viable.

  22. How To Write A Business Plan For An SBA-Backed Loan Or Bank Loan

    As a professional business plan writer, commonly missed elements I see often include: • A loan amortization schedule. • A use-of-funds table. • Cash flow projections with loan repayment ...

  23. PNC adds mobile bank in Delaware as company announces $1 billion in

    PNC has added a mobile bank in an area outside Wilmington as part of a branch expansion and renovation program. The nationwide plan includes spending about $1 billion to open more than 100 new locations and renovate more than 1,200 existing locations by 2028. ... The nationwide plan includes spending about $1 billion to open more than 100 new ...

  24. Tips From a Financial Planner for Opening a Business Bank Account

    Beyond just opening a business bank account, you want to ensure that the financial institution you choose can provide access to services such as a checking account, savings account, business loans ...

  25. Treasury Publishes 2024 National Risk Assessments for Money Laundering

    Reports Confirm and Update Key Illicit Finance Concerns in Response to Evolving Threat and Risk Environment WASHINGTON - Today, the U.S. Department of the Treasury published the 2024 National Risk Assessments on Money Laundering, Terrorist Financing, and Proliferation Financing. These reports highlight the most significant illicit finance threats, vulnerabilities, and risks facing the United ...

  26. How To Write A Digital Bank Business Plan + Template

    A digital bank business plan is a formal written document describing your company's business strategy and feasibility. It documents the reasons you will be successful, your areas of competitive advantage, and it includes information about your team members.

  27. Manage your Microsoft 365 subscription or Office product

    If you selected My Microsoft account, the Microsoft account dashboard will open.This is where you manage your Microsoft account and any Microsoft products associated with this account. On the Microsoft account dashboard, select Services & subscriptions to view all Microsoft products associated with this account. For non-subscription versions of Office (such as Office 2013 and later):

  28. Tietoevry up on higher dividend, progress in banking de-merger

    ** Shares in Tietoevry TIETO jump more than 3% after the Finnish IT services provider proposed higher dividend and said the de-merger plan of its banking business was progressing ** Tietoevry proposes a dividend of 1.47 euros per share for 2023, 1.4% higher than the 1.45 euros a year earlier ** In a separate statement, the company says the separation process of the banking business continues ...