Credit Monitoring Arrangement (CMA) report is a comprehensive financial analysis used by banks and financial institutions to evaluate a business's creditworthiness. For bank loans and working capital limits, this report typically covers a 5-year period
The operating statement outlines your business revenues, production costs, overheads, and net profits. To ensure a thorough review, you must present data across five distinct pillars: : Audited financial data from two years ago.
Never hardcode totals or financial ratios. Use Excel formulas to prevent calculation errors:
Never type manual numbers into projection columns. If an assumption changes, your model will break or display conflicting metrics. Always use formulas.
Share capital, reserves and surplus, long-term liabilities, current liabilities, fixed assets, non-current assets, and current assets. 4. Comparative Statement of Current Assets & Liabilities cma data report in excel format
| | Sale Price | Square Footage | Price per Square Foot | | --- | --- | --- | --- | | Subject Property | $[Insert Sale Price] | [Insert Square Footage] | $[Insert Price per Square Foot] | | Comp 1 | $[Insert Sale Price] | [Insert Square Footage] | $[Insert Price per Square Foot] | | Comp 2 | $[Insert Sale Price] | [Insert Square Footage] | $[Insert Price per Square Foot] | | Comp 3 | $[Insert Sale Price] | [Insert Square Footage] | $[Insert Price per Square Foot] | | ... | ... | ... | ... |
Comprehensive Guide to Creating a CMA Data Report in Excel Format
Use standard fonts (Arial or Calibri), format numbers with proper comma separators, and use bold formatting for total rows. Turn on gridlines for readability. Conclusion
: A multi-year summary of sales, expenses, and profits (usually 2 years historical, 3 years projected). Form III: Analysis of Balance Sheet Never hardcode totals or financial ratios
This is the heart of the CMA Data. Based on the proposed loan amount, you must project how the company will perform.
If you can tell me your company is in (manufacturing, service, trading, etc.), I can tailor these suggestions with specific ratios and inventory turnover metrics to make your report even more relevant. Share public link
Ensure that the Balance Sheet always tallies using "Check" formulas.
This sheet replicates your historical and projected balance sheets. It categorizes assets and liabilities according to standard accounting principles, providing a snapshot of your company's net worth at the close of each financial year. 4. Comparative Balance Sheet Analysis Always use formulas
: A basic document detailing current fund and non-fund-based credit limits, their historical usage, and the new amount requested by the borrower. Operating Statement (Form II)
Different banks have slightly different preferences when it comes to CMA Data format:
Here is a sample Excel template:
for the last two years ready?