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Banking (depository)

Pack file: catalog/industries/banking in ambient-core.

Workspace demo (screenshots) · Catalog consumption

Industry summary​

Industry code

ISIC Rev.4 6419

27 metrics · 5 data options

NAICS 2022
522110
NACE Rev.2
64.19
GICS 2023
401010

Taxonomy tags from ambient-core pack.yaml / manifest v3 (analysis lens, not legal-entity self-classification). Coverage notes: catalog-industry-coverage.md.

Data options​

  • Accounting Software (banking.core.accounting_software) — fields: date (date), period_start_date (date), period_end_date (date), revenue (decimal), cogs (decimal), cost_of_goods (decimal), operating_expenses (decimal), net_income (decimal), produce_revenue (decimal), total_production_cost (decimal), total_operational_cost (decimal)
  • Financial statements (banking.core.financial_statements) — fields: date (date), statement_type (enum), period_start_date (date), period_end_date (date)
  • HR records (banking.core.hr_records) — fields: date (date), headcount (decimal)
  • Payroll records (banking.core.payroll_records) — fields: date (date), period_start_date (date), period_end_date (date), headcount (decimal), gross_pay (decimal), net_pay (decimal), employer_taxes (decimal), labor_cost (decimal), revenue (decimal), net_income (decimal), total_labor_costs (decimal), total_harvested_kg (decimal)…
  • Aggregated regulatory and financial summary (banking.depository.regulatory_summary) — fields: date (date), entity_segment (string), net_interest_income (string), average_earning_assets (string), non_performing_loans (string), total_loans (decimal), total_deposits (decimal), operating_expense (string), total_revenue (decimal)

Metrics (27)​

Monthly Burn Rate​

  • Catalog key: banking.core.burn_rate
  • ID: 1512
  • Type: Financial
  • Unit: Currency/month
  • Segment: core
  • Methodology: Net Burn = Cash Out − Cash In (per month)
  • Calculation: cash_out - cash_in — inputs: cash_out, cash_in

Net cash consumed per month (negative net operating cash flow).

FP&A workflow: Runway management — paired with cash balance to govern the spend plan and fundraising timing.

Cash Conversion Cycle​

  • Catalog key: banking.core.ccc
  • ID: 1510
  • Type: Financial
  • Unit: Days
  • Segment: core
  • Methodology: CCC = DSO + Days Inventory Outstanding − DPO
  • Calculation: dso + days_inventory_outstanding - dpo — inputs: days_inventory_outstanding

Days to convert investments in inventory and receivables back into cash.

FP&A workflow: Cash-efficiency program — a north-star working-capital KPI tracked in the treasury review.

Current Ratio​

  • Catalog key: banking.core.current_ratio
  • ID: 1500
  • Type: Financial
  • Unit: Ratio
  • Segment: core
  • Methodology: Current Ratio = Current Assets / Current Liabilities
  • Calculation: current_assets / current_liabilities — inputs: current_assets, current_liabilities

Short-term liquidity: ability to cover current liabilities with current assets.

FP&A workflow: Liquidity & solvency review — feeds covenant monitoring and the monthly board liquidity pack.

Days Payable Outstanding (DPO)​

  • Catalog key: banking.core.dpo
  • ID: 1509
  • Type: Financial
  • Unit: Days
  • Segment: core
  • Methodology: DPO = (Accounts Payable / COGS) × Number of Days
  • Calculation: accounts_payable / cogs * days — inputs: accounts_payable, cogs, days

Average number of days the business takes to pay its suppliers.

FP&A workflow: Payables optimization — balances supplier terms against the cash-conversion cycle.

Days Sales Outstanding (DSO)​

  • Catalog key: banking.core.dso
  • ID: 1508
  • Type: Financial
  • Unit: Days
  • Segment: core
  • Methodology: DSO = (Accounts Receivable / Total Credit Sales) × Number of Days
  • Calculation: accounts_receivable / total_credit_sales * days — inputs: accounts_receivable, total_credit_sales, days

Average number of days to collect cash after a sale.

FP&A workflow: Receivables & collections review — directly improves the cash-conversion cycle and forecast accuracy.

EBITDA Margin​

  • Catalog key: banking.core.ebitda_margin
  • ID: 1504
  • Type: Financial
  • Unit: %
  • Segment: core
  • Methodology: EBITDA Margin = (EBITDA / Revenue) × 100
  • Calculation: ebitda / revenue * 100 — inputs: ebitda, revenue

Core operating cash profitability before interest, tax, depreciation and amortization.

FP&A workflow: Valuation & lender reporting — primary profitability proxy in models and covenant tests.

Gross Profit Margin​

  • Catalog key: banking.core.gross_margin
  • ID: 1502
  • Type: Financial
  • Unit: %
  • Segment: core
  • Methodology: Gross Margin = ((Revenue − COGS) / Revenue) × 100
  • Calculation: (revenue - cogs) / revenue * 100 — inputs: revenue, cogs

Share of revenue retained after the direct cost of goods sold.

FP&A workflow: Unit-economics and pricing review — anchors contribution-margin and budget-vs-actual analysis.

Headcount (FTE)​

  • Catalog key: banking.core.headcount
  • ID: 1514
  • Type: Operational
  • Unit: Count
  • Segment: core
  • Methodology: Period-end count of active employees expressed as full-time equivalents (directly measured, not calculated).
  • Calculation: No machine-readable calc — directly reported or qualitative.

Period-end count of active full-time-equivalent employees. A directly measured input, not a derived ratio.

Net Profit Margin​

  • Catalog key: banking.core.net_margin
  • ID: 1505
  • Type: Financial
  • Unit: %
  • Segment: core
  • Methodology: Net Profit Margin = (Net Income / Revenue) × 100
  • Calculation: net_income / revenue * 100 — inputs: net_income, revenue

Bottom-line profitability after all costs, interest and tax.

FP&A workflow: Board P&L reporting — the headline profitability line for the monthly close pack.

Operating Cash Flow​

  • Catalog key: banking.core.operating_cash_flow
  • ID: 1511
  • Type: Financial
  • Unit: Currency (e.g., USD)
  • Segment: core
  • Methodology: Operating Cash Flow = Net Income + Non-Cash Charges − Increase in Working Capital
  • Calculation: net_income + non_cash_charges - increase_in_working_capital — inputs: net_income, non_cash_charges, increase_in_working_capital

Cash generated by core operations during the period.

FP&A workflow: Cash-flow forecasting — the anchor of the direct/indirect cash-flow statement.

Operating Margin (EBIT)​

  • Catalog key: banking.core.operating_margin
  • ID: 1503
  • Type: Financial
  • Unit: %
  • Segment: core
  • Methodology: Operating Margin = (Operating Income / Revenue) × 100
  • Calculation: operating_income / revenue * 100 — inputs: operating_income, revenue

Operating profitability after operating expenses (EBIT margin).

FP&A workflow: Opex efficiency review — drives the monthly variance bridge and cost-control actions.

Quick Ratio (Acid Test)​

  • Catalog key: banking.core.quick_ratio
  • ID: 1501
  • Type: Financial
  • Unit: Ratio
  • Segment: core
  • Methodology: Quick Ratio = (Current Assets − Inventory) / Current Liabilities
  • Calculation: (current_assets - inventory) / current_liabilities — inputs: current_assets, inventory, current_liabilities

Acid-test liquidity excluding inventory — most conservative short-term solvency view.

FP&A workflow: Liquidity stress testing — pairs with cash-flow forecasting for downside scenarios.

Revenue Growth Rate​

  • Catalog key: banking.core.revenue_growth
  • ID: 1506
  • Type: Financial
  • Unit: %
  • Segment: core
  • Methodology: Revenue Growth = ((Current Period Revenue − Prior Period Revenue) / Prior Period Revenue) × 100
  • Calculation: (revenue - revenue_prior) / revenue_prior * 100 — inputs: revenue, revenue_prior

Period-over-period revenue growth rate.

FP&A workflow: Growth planning — drives top-line forecast, hiring plan and the rolling re-forecast.

Cash Runway​

  • Catalog key: banking.core.runway
  • ID: 1513
  • Type: Financial
  • Unit: Months
  • Segment: core
  • Methodology: Runway (months) = Current Cash Balance / Monthly Net Burn
  • Calculation: current_cash_balance / burn_rate — inputs: current_cash_balance

Number of months of cash remaining at the current net burn rate.

FP&A workflow: Board & investor reporting — the survival metric that gates hiring and spend decisions.

Working Capital​

  • Catalog key: banking.core.working_capital
  • ID: 1507
  • Type: Financial
  • Unit: Currency (e.g., USD)
  • Segment: core
  • Methodology: Working Capital = Current Assets − Current Liabilities
  • Calculation: current_assets - current_liabilities — inputs: current_assets, current_liabilities

Operating liquidity available to fund day-to-day operations.

FP&A workflow: Working-capital management — feeds the 13-week cash forecast and treasury planning.

Cost of Funds​

  • Catalog key: banking.depository.cost_of_funds
  • ID: 1554
  • Type: Financial
  • Unit: %
  • Segment: depository
  • Methodology: Cost of Funds = Interest Expense on Deposits and Borrowings / Average Interest-Bearing Liabilities × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.

Average rate paid on interest-bearing liabilities (aggregated).

FP&A workflow: Funding cost — margin pressure vs asset yields.

Efficiency Ratio​

  • Catalog key: banking.depository.efficiency_ratio
  • ID: 1533
  • Type: Financial
  • Unit: %
  • Segment: depository
  • Methodology: Efficiency Ratio = (Operating Expense / Total Revenue) × 100
  • Calculation: operating_expense / total_revenue * 100 — inputs: operating_expense, total_revenue

Non-interest expense relative to revenue (cost-to-income).

FP&A workflow: Operating leverage — expense discipline vs revenue scale.

Interest Rate Risk EVE Sensitivity​

  • Catalog key: banking.depository.interest_rate_risk_eve_sensitivity
  • ID: 1559
  • Type: Financial
  • Unit: %
  • Segment: depository
  • Methodology: EVE sensitivity = ΔEVE / Base EVE for standard shock
  • Calculation: No machine-readable calc — directly reported or qualitative.

Change in economic value of equity for a defined parallel rate shock (aggregated ALM).

FP&A workflow: ALM — rate risk to capital and NIM.

Liquidity Coverage Ratio​

  • Catalog key: banking.depository.liquidity_coverage_ratio
  • ID: 1557
  • Type: Financial
  • Unit: %
  • Segment: depository
  • Methodology: LCR = HQLA / Net Cash Outflows over 30 days × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.

High-quality liquid assets relative to net cash outflows (LCR).

FP&A workflow: Liquidity risk — regulatory and stress readiness.

Loan-to-Deposit Ratio​

  • Catalog key: banking.depository.loan_to_deposit_ratio
  • ID: 1532
  • Type: Financial
  • Unit: %
  • Segment: depository
  • Methodology: LTD = (Total Loans / Total Deposits) × 100
  • Calculation: total_loans / total_deposits * 100 — inputs: total_loans, total_deposits

Lending funded by deposits (liquidity and balance-sheet structure).

FP&A workflow: Liquidity structure — deposit growth vs loan book expansion.

Net Interest Margin​

  • Catalog key: banking.depository.net_interest_margin
  • ID: 1530
  • Type: Financial
  • Unit: %
  • Segment: depository
  • Methodology: NIM = (Net Interest Income / Average Earning Assets) × 100
  • Calculation: net_interest_income / average_earning_assets * 100 — inputs: net_interest_income, average_earning_assets

Spread between interest earned and interest paid, relative to earning assets (aggregated regulatory summary).

FP&A workflow: Net interest income planning — primary profitability driver for depositories.

Net Stable Funding Ratio​

  • Catalog key: banking.depository.net_stable_funding_ratio
  • ID: 1558
  • Type: Financial
  • Unit: %
  • Segment: depository
  • Methodology: NSFR = Available Stable Funding / Required Stable Funding × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.

Available stable funding relative to required stable funding (NSFR).

FP&A workflow: Structural liquidity — long-term funding adequacy.

Non-Performing Loan Ratio​

  • Catalog key: banking.depository.non_performing_loan_ratio
  • ID: 1531
  • Type: Financial
  • Unit: %
  • Segment: depository
  • Methodology: NPL Ratio = (Non-Performing Loans / Total Loans) × 100
  • Calculation: non_performing_loans / total_loans * 100 — inputs: non_performing_loans, total_loans

Share of loans past due or non-accrual (aggregated credit quality).

FP&A workflow: Credit risk monitoring — feeds provision and capital planning.

Operational Risk Loss Ratio​

  • Catalog key: banking.depository.operational_risk_loss_ratio
  • ID: 1567
  • Type: Financial
  • Unit: %
  • Segment: depository
  • Methodology: Op Risk Loss Ratio = Operational Losses / Gross Income × 100
  • Calculation: operational_losses / gross_income * 100 — inputs: operational_losses, gross_income

Operational losses as a share of gross income (aggregated).

FP&A workflow: Non-financial risk — capital and control investment.

Stable Funding Ratio​

  • Catalog key: banking.depository.stable_funding_ratio
  • ID: 1556
  • Type: Financial
  • Unit: %
  • Segment: depository
  • Methodology: Stable Funding Ratio = Stable Funding / Total Funding × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.

Share of funding from stable retail and long-term sources (proxy or regulatory).

FP&A workflow: Liability structure — run risk and NIM stability.

Stress Test CET1 Delta​

  • Catalog key: banking.depository.stress_test_cet1_delta
  • ID: 1568
  • Type: Financial
  • Unit: %
  • Segment: depository
  • Methodology: CET1 Delta = Stressed CET1 − Baseline CET1
  • Calculation: No machine-readable calc — directly reported or qualitative.

Decline in CET1 ratio under supervisory severely adverse scenario (aggregated).

FP&A workflow: Capital planning — dividend and buffer capacity under stress.

Tier 1 Capital Ratio​

  • Catalog key: banking.depository.tier1_capital_ratio
  • ID: 1534
  • Type: Financial
  • Unit: %
  • Segment: depository
  • Methodology: Tier 1 Ratio = (Tier 1 Capital / Risk-Weighted Assets) × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.

Tier 1 capital to risk-weighted assets from aggregated regulatory filing (no account-level detail).

FP&A workflow: Capital adequacy — covenant and dividend capacity.

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