A complete CMA Data report in Excel format contains exactly seven standardized statements. Each statement serves a specific purpose in the bank’s working capital appraisal:
This part compares current assets and current liabilities over the years, providing insights into the company’s liquidity position. It includes items such as cash, inventory, receivables, payables, and short‑term loans.
: A calculation that determines the borrower's capacity to borrow, often capped at 75% of the working capital gap (Current Assets minus Current Liabilities). Fund Flow Statement (Form VI)
This is the most critical calculation for working capital loans. Excel formulas calculate the business's working capital gap and apply banking lending norms (usually MPBF Method 1 or Method 2) to find the maximum loan amount the bank can provide.
Excel is the preferred and most practical format for CMA reports for several key reasons: cma data report in excel format
After your last data row (e.g., row 7), add these summary stats:
Tracks where money came from and where it was spent.
A CMA data report is essential for businesses to:
A Credit Monitoring Arrangement (CMA) data report is a critical financial document required by banks and financial institutions to evaluate the creditworthiness of a business. Using an Excel format for this report is the industry standard due to its ability to handle complex formulas and multi-year projections. Understanding the CMA Data Report A complete CMA Data report in Excel format
This sheet is specific to calculating the . It breaks down the working capital cycle.
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Create rows for all line items (Sales, Expenses, Assets, Liabilities) and columns for each year (Past, Present, Projected).
This section outlines the current credit facilities utilized by the business alongside the new or additional limits being requested from the bank. It categorizes fund-based limits (like term loans and cash credit) and non-fund-based limits (like letters of credit and bank guarantees). 2. Operating Statement (Profit & Loss Statement) : A calculation that determines the borrower's capacity
He pulled the audited balance sheets from the last two years. The Excel cells glowed as he reconciled the assets against the liabilities.
Note that this is just a sample template, and you can adjust it to fit your specific needs.
=Total Current Assets / Total Current Liabilities