Banking & Capital Markets · Finance & Accounting

Samso Industry Demo · Updated May 2026

Finance & Accounting for Banking & Capital Markets

Bank finance is the NIM bridge, deposit-beta math, the call-report cycle, fee-income mix, and CECL reserves moving with the credit book. This is what Samso runs for the CFO of a $4.2B regional commercial bank with 38 branches and 640 FTE.

Function KPIs · how the finance org reads its own week

Days to monthly close

10

−4 days LTMTarget: 8 by Q4

Forecast accuracy

93%

vs ±3% band12-mo trailing on NII

Fee income vs plan

−$4.2M

Treasury services softCard + wealth on plan

CET1 capital ratio

12.4%

Well above 8% regRWA $2.6B · capital $322M

Monthly NII + non-interest income - last 12 months with cumulative net income overlay

MONTHLY · INTEREST + FEE INCOME / EXPENSE / OPEX · $M · MAR 2026 LAST ACTUAL · APR–MAY 2026 FORECAST

07.2814.621.829.1FLOW · $M30162CUM NI · $MACTUALFORECASTJUNJULAUGSEPOCTNOVDECJANFEBMARAPRMAY

Revenue components

Net interest income (NIM 3.18% × earning assets)Fee income (treasury · wealth · card · deposit fees)

Expense components

Interest expense (deposits + borrowings)Non-interest opex (branches · comp · tech · occupancy)

Twelve services · sized to banking & capital markets

Each tile is what Samso runs in this function for a banking & capital markets org.

01 · Service

Financial Statements & Schedules

GAAP IS / BS / CF + FFIEC call-report schedules drafted from Jack Henry - month-end pack at the board day 10, not 18.

Days to issue

10

Source systems

7

Variance flags

16

02 · Service

Department-Level Budgeting

Branch network, commercial lending, wealth, ops, and tech budgets with driver-based assumptions and a single rollup the CFO defends to the board.

Cost centers

14

Driver assumptions

72

Variance to plan

−2.1%

03 · Service

Headcount & Compensation Planning

640-FTE roster across 38 branches, ops, credit, wealth, and tech - RM incentive math, exam-cycle staffing, and FDIC peer comp bands wired to plan.

FTE today

640

Open reqs

34

Plan year-end

678

04 · Service

Cash Flow Forecasting

Liquidity coverage ratio waterfall + deposit forecast + funding-mix scenarios - what treasury runs into the ALCO pack each month.

LCR

128%

Forecast acc.

93%

Scenarios

4

05 · Service

Revenue Forecasting

NII bridge from deposit beta + loan-yield curve + fee-income mix - the model that catches treasury softness 2 months before it hits actuals.

Forecast NII EOY

$142M

Deposit beta

42%

Fee income variance

−$4.2M

06 · Service

Board Reporting

Quarterly deck assembled from live data - NIM, deposits, loan growth, NPL trend, capital ratios, exam status - all on one set of numbers.

Board cycle

Quarterly

Auto-pulled charts

26

Hours saved/cycle

32

07 · Service

Pitch Decks & Investor Materials

Investor day deck + 10-Q narrative + analyst Q&A pack maintained as live artifacts - refreshed quarterly without rebuilding from scratch.

Deck status

Q2 26

Data room files

180

Last refresh

Apr 2026

08 · Service

Interactive KPI Dashboards

Live dashboards over deposits, NIM, loan production, fee income, NPL, and efficiency ratio - the same numbers the CEO and CFO walk into ALCO with.

Dashboards

14

Refresh cadence

Daily

Source systems

9

09 · Service

Sensitivity & Scenario Modeling

Rate-shock + deposit-beta + CRE-stress scenarios on NII and capital - flip a switch to see what +100 bps does to NIM and CET1.

Scenarios live

5

Assumptions shared

38

10 · Service

Valuation Model (DCF & Comps)

DDM + tangible-book multiple + regional-bank comp set kept current - the input strategic-acquirer and capital-raise conversations run off.

Comp set

16 banks

P / TBV range

1.2–1.8×

11 · Service

Three-Statement Modeling

Linked IS / BS / CF with deposit ladder, loan-yield curve, ALLL / CECL, and capital build modeled - pressure-tested every quarter.

Forecast horizon

5 yr

ALLL + capital

Modeled

12 · Service

Monthly Close Checklist & Reconciliations

Close checklist + auto-reconciliations across Jack Henry ↔ GL ↔ LOS ↔ wealth platform - what compresses close from 18 to 10 days.

Close days

10

Recs managed

28

What you get · every week & every month

Concrete deliverables, not just dashboards.

Deliverable

Weekly NIM + deposit variance memo

Every Monday: NIM bridge, deposit beta, loan production, and what moved versus last week's forecast - straight to ALCO inbox.

Deliverable

Monthly close package (day 10)

GAAP IS / BS / CF + FFIEC call-report schedules issued by day 10, with auto-pulled board charts and fee-income mix breakdown.

Deliverable

Quarterly board + investor update

16-page deck assembled from live data - deposits, NIM, loan growth, NPL, capital, exam status - refreshed automatically each quarter.

Deliverable

Always-on capital + M&A data room

Capital-raise + strategic data room kept current - financials, models, loan tape, deposit franchise, exam letters - refreshed monthly.

Banking & Capital Markets · Finance & Accounting

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