Bank mirror: every account and line on one page
One row per account, loan or guarantee facility: enter balance and line, the generator works out drawn amount, free line and utilisation and sums up what is available. Print-ready for the bank meeting and the board.
| Bank | Type | Balance (€, − = drawn) | Line / loan amount (€) | Free lines | Utilisation |
|---|
What the bank mirror shows
The bank mirror is the consolidated overview of all bank relationships: per account the current balance, the granted line and the free line. On a current account a negative balance is the drawn amount; the free line is the line less the drawn amount. A loan has no free line, its "line" is the loan amount. A guarantee facility works like a current account, for guarantees instead of cash.
Available liquidity is the sum of deposits and free current-account lines: what could be paid tomorrow. Free guarantee lines do not count; they are creditworthiness, not money.
The structure and the pitfalls are in the guide to the bank mirror, the guarantees in the guarantee overview, and what the bank wants to see alongside it in the financial status guide.
The bank mirror is the anchor of the 13-week forecast. The template takes you from the balances to the weekly view.
Frequently asked questions
How is the free line calculated?
What belongs in a bank mirror?
Are my figures uploaded?
In LiquidityLens balances, lines and guarantees are current every day, and the 13-week forecast starts from the real balance instead of last week's spreadsheet.
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