Access the dataset used for this project in CSV format here: Dataset CSV File
The Bank Loan Report Dashboard is an Excel-based project inspired by a YouTube tutorial. It automates the analysis and visualization of a bank’s loan portfolio, providing critical insights into various loan metrics. This dashboard empowers decision-makers with real-time data and in-depth analysis.
The primary goal of this project is to design a user-friendly, automated dashboard that offers a comprehensive view of the bank's loan operations, including:
- Total Loan Applications
- Funded Amounts
- Repayments
- Interest Rates
- Borrower Risk Profiles
-
Total Loan Applications:
- 📈 Displays the number of loan applications.
- 📊 Includes Month-to-Date (MTD) and Month-over-Month (MoM) trends.
-
Total Funded Amount:
- 💵 Shows the total amount of funds disbursed.
- 🔄 Analyzes MTD and MoM changes to monitor funding trends.
-
Total Amount Received:
- 💰 Displays total repayments from borrowers.
- 📅 Includes MTD and MoM analysis to assess repayment patterns.
-
Average Interest Rate:
- 📉 Calculates the average interest rate across all loans.
- 📆 Tracks MTD and MoM changes to understand interest rate trends.
-
Average Debt-to-Income Ratio (DTI):
- 📊 Measures the average DTI ratio, reflecting borrower financial health.
- 🔢 Includes MTD and MoM tracking to monitor borrower risk profiles.
-
Good Loan vs. Bad Loan KPIs:
- Good Loan:
- ✅ Displays percentage and count of 'Good Loans.'
- 📈 Includes metrics like funded amount and total received amount for good loans.
- Bad Loan:
- ❌ Shows percentage and count of 'Bad Loans.'
- 📉 Includes metrics like funded amount and total received amount for bad loans.
- Good Loan:
-
Loan Status Grid View:
- 📋 Overview by Loan Status: Provides a grid view breaking down key metrics by loan statuses such as Active, Closed, or Defaulted.
-
Monthly Trends by Issue Date:
- 📅 Analyzes loan issuance over time to identify seasonal and long-term lending trends.
-
Regional Analysis by State:
- 🌍 Examines lending activity across states, highlighting regional performance and disparities.
-
Loan Term Analysis:
- 🕒 Breaks down loans by their terms (short-term, medium-term, long-term), offering insights into borrower preferences and risk.
-
Employee Length Analysis:
- 🧑💼 Investigates how the length of borrowers' employment affects loan approval, funding, and repayment metrics.
-
Loan Purpose Breakdown:
- 🎯 Analyzes metrics based on loan purposes (e.g., education, home improvement, debt consolidation).
-
Home Ownership Analysis:
- 🏠 Assesses the impact of home ownership status on loan application success, interest rates, and repayment performance.
- 📥 Import the dataset into Excel.
- 🧹 Ensure the dataset is cleaned and formatted correctly, with all necessary columns available for analysis.
- 📊 Utilize Excel formulas and PivotTables to calculate KPIs and create visualizations.
- 🔄 Automate MTD and MoM calculations using dynamic Excel functions.
- 🎨 Use Excel’s charting tools (e.g., bar charts, line charts, pie charts) for visualizations.
- 🗂️ Design an intuitive layout with key metrics prominently displayed.
- 🔄 Set up the dashboard to automatically update with new data using Excel’s data connections and refresh options.
- 🚀 Ensure all calculations are dynamic for real-time updates.
This project highlights Excel's power in creating dynamic and insightful dashboards for financial analysis. Automation in data processing and visualization offers real-time insights, aiding banks in making data-driven decisions about their loan portfolios.
Check out additional resources related to the project here: Other Resources Folder
Here are some sample images from the Bank Loan Report Dashboard:
