Our bank model starts at the top with assumptions, and we've got assumptions for the balance sheets, then followed by assumptions for the income statements. Underneath that, we've then got some room for some calculations, in particular for the balance sheets, so you've got net PP&E, intangibles, and equity. Underneath that, you then have the income statements and the balance sheet. If we look at the income statement in just a little bit more detail, it starts off with interest income and interest expense. If you think what interest income is, that's income that the bank earns on loans that it has made out, so that is your main revenue line. Underneath that, you've got interest expense, interest being paid on deposits, for instance. There are various other incomes and expense lines, including operating expenses. That's the cost of running the bank. As we go down, a few more familiar items appear; non-recurring items, so one-off costs, and then tax, leading us down to net income. If we look at the balance sheet, that includes a host of assets, including cash, loans that have been made to banks, loans that have been made to customers, so they're going to be key sources of interest, not cash. Cash won't be earned. If that's placed with other banks, overnight, or even the government, overnight, that's going to earn negligible. The company has then some more assets, such as available-for-sale financial assets, held to maturity investment securities, tangibles, intangibles, et cetera.

Our liabilities include deposits from banks, deposits from customers, a key source of interest being paid out as a cost for this bank. It then finishes up down at the bottom with shareholders' equity.