Banking · Power BI template

Loan Portfolio Risk Power BI template

Dark Power BI bank credit risk dashboard template: gross exposure, NPL ratio, expected loss and coverage, exposure by risk grade and large exposures.

By · Founder & Reliability Engineer · Updated

Free for commercial use

Light version: same layout, colours re-solved and checked for WCAG AA contrast.

Loan Portfolio Risk Power BI dashboard template: 4 KPI cards, a column chart, a line chart, a matrix, a table and 2 slicers on a 1280×720 page

BetaOpens in Power BI Desktop with 5 tables of sample data and every visual bound. See what’s inside

Free, no sign-up. The PBIP with sample data includes the background, theme and a README. 1920×1080 fits a new page in a Fluent 2 report; 1280×720 and 2× fit Classic pages. Downloads carry a small “Made with VizForge” mark (sign in to the studio to remove it).

Customise in the design studio →
Layout
Left KPI column under a plain header, risk-grade columns + NPL trend, product × grade matrix + large-exposure table
Page size
1280×720 px (16:9, Power BI default)
Theme
Midnight Analytics

Open the sample-data PBIP in Power BI Desktop

Checked against Microsoft Learn's Power BI Desktop projects documentation (as of Nov 2026).

  1. 1

    Unzip to a short path and open the .pbip

    Extract the zip to a short local folder such as C:\PBI (Windows limits project paths to 260 characters, and Desktop can't save a project straight to OneDrive or SharePoint), then double-click the .pbip file or use File → Open in Power BI Desktop. Microsoft still lists projects and TMDL as preview features (as of Nov 2026): if Desktop won't open the project, go to File → Options and settings → Options → Preview features, tick “Power BI Project (.pbip) save option” and “Store semantic model using TMDL format”, then restart Desktop.

  2. 2

    Select Refresh once

    The project ships without the local data cache (.pbi/cache.abf), so Desktop opens the full model definition without data. Select Home → Refresh: every table is built from values written into its Power Query step, so there is no data source to sign in to.

  3. 3

    Save as .pbix or connect your data

    Use File → Save as to keep a single .pbix file, or open Transform data and replace each table's Source step with your own query, keeping the column names so the measures and visuals keep working.

What’s inside the Credit Risk sample model

Rendered from the same definition the download writes as TMDL, so this list always matches the file.

Tables
5
Fact rows
440
DAX measures
7

Month-end exposure, non-performing exposure, expected loss and provisions for a fictional regional bank's five loan products across seven internal risk grades (Nov 2025 to Oct 2026), plus its 20 largest business borrowers with collateral values. Watch-list and default grades drift up through the year. Units: US dollars.

Tables and columns

Calendar

Date table · 2025–2026, one row per day

Date table generated in Power Query (List.Dates), marked as the model's date table.

  • Date (date)
  • Year (whole number)
  • Quarter (text)
  • Month (text)
  • Month Name (text)
  • Week Start (date)
  • Weekday (text)
  • Fiscal Year (text)

Product

Dimension · 5 rows

Lending products with the customer segment and loss-given-default assumption.

  • Product (text)
  • Segment (text)
  • LGD (decimal)

Risk Grade

Dimension · 7 rows

Internal rating scale, 1 (best) to 7 (default), with the one-year probability of default.

  • Risk Grade (text)
  • PD (decimal)

Exposure

Fact · 420 rows

Month-end balances per product and risk grade (a snapshot: do not add months together).

  • Date (date)
  • Product (text)
  • Risk Grade (text)
  • Exposure Amount (decimal)
  • Non-Performing (decimal)
  • Expected Loss (decimal)
  • Provisions (decimal)

Large Exposures

Fact · 20 rows

The 20 largest business borrowers at the latest month end (fictional names).

  • Borrower (text)
  • Product (text)
  • Risk Grade (text)
  • Exposure Amount (decimal)
  • Collateral Value (decimal)

Relationships

Many-to-one, single direction. Inactive relationships are switched on inside a measure with USERELATIONSHIP.

  • Exposure[Date] → 'Calendar'[Date]
  • Exposure[Product] → Product[Product]
  • Exposure[Risk Grade] → 'Risk Grade'[Risk Grade]
  • 'Large Exposures'[Product] → Product[Product]
  • 'Large Exposures'[Risk Grade] → 'Risk Grade'[Risk Grade]

DAX measures

All measures live in a dedicated Key Measures table. Copy any of them into your own model; rename the table and column references to match.

Gross ExposureLoan balances at the latest month end in context.
Gross Exposure =
VAR LastMonth = MAX ( Exposure[Date] )
RETURN
    CALCULATE ( SUM ( Exposure[Exposure Amount] ), Exposure[Date] = LastMonth )

Format string: $#,0

Non-Performing ExposureDefaulted and substandard balances at the latest month end.
Non-Performing Exposure =
VAR LastMonth = MAX ( Exposure[Date] )
RETURN
    CALCULATE ( SUM ( Exposure[Non-Performing] ), Exposure[Date] = LastMonth )

Format string: $#,0

NPL RatioNon-performing share of gross exposure.
NPL Ratio =
DIVIDE ( [Non-Performing Exposure], [Gross Exposure] )

Format string: 0.00%

Expected LossPD × LGD × exposure at the latest month end.
Expected Loss =
VAR LastMonth = MAX ( Exposure[Date] )
RETURN
    CALCULATE ( SUM ( Exposure[Expected Loss] ), Exposure[Date] = LastMonth )

Format string: $#,0

Coverage RatioProvisions held against non-performing exposure.
Coverage Ratio =
VAR LastMonth = MAX ( Exposure[Date] )
RETURN
    DIVIDE (
        CALCULATE ( SUM ( Exposure[Provisions] ), Exposure[Date] = LastMonth ),
        [Non-Performing Exposure]
    )

Format string: 0%

Large Exposure AmountBalance with the largest borrowers.
Large Exposure Amount =
SUM ( 'Large Exposures'[Exposure Amount] )

Format string: $#,0

Loan to ValueExposure over collateral value.
Loan to Value =
DIVIDE ( [Large Exposure Amount], SUM ( 'Large Exposures'[Collateral Value] ) )

Format string: 0%

What each visual is bound to

The PBIP opens with these fields already on each visual.

Field bindings per visual
VisualFields
ProductSlicerProduct[Product]
SegmentSlicerProduct[Segment]
Exposure by risk gradeColumn chart'Risk Grade'[Risk Grade], [Gross Exposure]
NPL ratio by monthLine chartCalendar[Month], [NPL Ratio], Product[Segment]
Gross exposureCard[Gross Exposure]
NPL ratioCard[NPL Ratio]
Expected loss: product × gradeMatrixProduct[Product], [Expected Loss], 'Risk Grade'[Risk Grade]
Largest exposuresTable'Large Exposures'[Borrower], Product[Product], 'Risk Grade'[Risk Grade], [Large Exposure Amount], [Loan to Value]
Expected lossCard[Expected Loss]
Coverage ratioCard[Coverage Ratio]

Questions this dashboard answers

Each one is answered by a visual on the page, from the sample model's own tables and measures.

About this dashboard layout

A credit-risk page is read at month end by the risk committee, so the four headline numbers sit in a column on the left where they read top to bottom like a report: gross exposure, non-performing loan (NPL) ratio, expected loss and the coverage ratio of provisions to non-performing exposure.

Every balance in the model is a month-end snapshot, so the measures take the latest month in context instead of summing months; adding twelve month-end balances together is the classic loan-book reporting error. The NPL trend splits by customer segment (retail, business, corporate), and the exposure columns run in rating order from 1 – Minimal to 7 – Default through a hidden grade-order column.

The matrix crosses product with risk grade and shows expected loss (probability of default × loss given default × exposure). Add a colour scale to the values and the cells where the money is at risk light up. The table lists the 20 largest business borrowers with grade and loan-to-value, the concentration view regulators ask for.

Sample data: a fictional regional bank with five lending products and a seven-grade scale over November 2025 to October 2026, in which watch-list and default grades drift up a little each month, as they do when rate rises feed through.

Visuals on the page

Positions are Power BI page pixels. Enter them in Format → General → Properties → Size and position, or use the PBIP download where they are already set.

Visual positions in the Loan Portfolio Risk template
VisualTypeXYWidthHeight
ProductSlicer9202416040
SegmentSlicer10962416040
Exposure by risk gradeColumn chart312120440232
NPL ratio by monthLine chart800120440232
Gross exposureCard4014418496
NPL ratioCard4028818496
Expected loss: product × gradeMatrix312400440280
Largest exposuresTable800400440280
Expected lossCard4043218496
Coverage ratioCard4057618496

Custom visuals for this layout

Built-in Power BI visuals cover most slots above. These slots also suit a custom visual; each page covers the data shape, DAX and a prompt to generate it as a .pbiviz.

Already have a report?

Brand Makeover tries Loan Portfolio Risk first on every page of your Power BI project (.pbip zip) where it fits: the page's visuals have to go into its 8 data slots without overlaps. Pages it can't seat get another catalog layout or a brand grid. Queries, filters and bookmarks are left as they are. Free, in your browser.

Opens with the Analyst / Dense preset, because the Executive preset doesn't use this layout (8 data slots; this preset uses templates with at most 7).

Restyle my report into this

Swap a slot for a custom visual

Pick any slot and VizForge AI writes a custom visual (.pbiviz, with TypeScript source) sized to it, in this template's colours and shaped for the fields it is bound to.

Generate one that fits this layout.

Card · 184×96 px · bound to [Gross Exposure]

1, 2 or 5 credits depending on the brief · 5 free on signup. Sign in or create a free account on the next screen; the brief is saved for 30 minutes.

Brief sent to the generator (you can edit it there)

A Power BI card visual titled "Gross exposure". It sits in a 184×96 px slot on a designed report page. Match the report's brand: data colours #22D3EE, #818CF8, #34D399, #FBBF24, #F472B6, #60A5FA; background #111A2E; text #E6EDF7; font Segoe UI. Transparent visual background so the page design shows through; no visual border. In the sample model it is bound to [Gross Exposure]; keep the same data roles so the fields drop straight in.

Not sure what to build? Browse the visual catalog or open the template in the design studio and hand off any slot from there. Or start in the AI generator with a blank brief.

Colours and theme

Midnight Analytics

Deep navy dark Power BI theme with luminous cyan, indigo and mint data colours; built for SaaS metrics, NOC screens and operations dashboards that run all day.

See the Midnight Analytics palette and contrast checks →

Use the background in an existing report

Prefer to keep your own report? Apply the design to it instead of opening the PBIP.

  1. 1

    Download the background

    Take the 1920×1080 PNG for a new page in a Fluent 2 report (the default size for new pages), or the 2× PNG (2560×1440) for sharp text on a 1280×720 Classic page. Power BI scales the image to the canvas.

  2. 2

    Set the canvas background

    Format page → Canvas background → Browse. Set Image fit to Fill and transparency to 0%.

  3. 3

    Import the theme

    Design ribbon → Import theme (in the Power BI service: View → Theme pane), then pick the downloaded JSON. Data colours and fonts now match the design. Older Desktop builds: View → Themes → Browse for themes.

  4. 4

    Place your visuals

    Size each visual to the positions above with background and border off, or open the PBIP project where they are already placed.

Questions about this template

Does the Loan Portfolio Risk template come with sample data?

Yes. The “PBIP with sample data” download contains a semantic model with 5 tables and 7 DAX measures, and every visual on the page is already bound to it. The sample: Month-end exposure, non-performing exposure, expected loss and provisions for a fictional regional bank's five loan products across seven internal risk grades (Nov 2025 to Oct 2026), plus its 20 largest business borrowers with collateral values. Watch-list and default grades drift up through the year. The data is written into each table's Power Query step, so there is no data source or sign-in.

Is it a .pbix file?

It is a Power BI project (PBIP): a folder of text files that Power BI Desktop opens like a .pbix. Open the .pbip file, select Refresh once to load the sample rows, then use File → Save as if you want a single .pbix.

What visuals are in the Loan Portfolio Risk template?

The page has 10 visual areas: 2 slicers, 1 column chart, 1 line chart, 4 cards, 1 matrix, 1 table. Their exact positions are listed on this page so you can match them in Power BI's Format → General → Properties panel, or skip that step by downloading the PBIP project.

Which theme does the Loan Portfolio Risk template use?

It ships with the Midnight Analytics theme (dark tone). Download the theme JSON here, or open the template in the design studio and switch to any other theme or your own brand colours.

Is there a light version of the Loan Portfolio Risk template?

Yes. Switch the preview to Light and every download (background, theme JSON and PBIP) comes in that version. The layout is identical; the page, card and text colours are re-solved for a light page, and the accent, status and data colours keep their hues but are adjusted until text meets WCAG AA (4.5:1) and chart colours reach 3:1 against the cards.

How do I use the background image in Power BI Desktop?

Select the page, open Format page → Canvas background, choose Browse and pick the PNG, then set Image fit to Fill and transparency to 0%. Give your visuals a transparent background and no border so the designed panels show through.

Can I open the PBIP project in Power BI Desktop?

Yes. PBIR is the default report format in Power BI Desktop since September 2026, and the download is a PBIP project: unzip it and open the .pbip file, select Refresh once and the sample data loads into visuals that are already bound (the empty PBIP leaves the containers unbound for your own data). Microsoft still lists projects and TMDL as preview features (as of Nov 2026), so if Desktop won't open it, enable them under File → Options and settings → Options → Preview features.

Dashboard guides that use these visuals

Guides to the same dashboard job: which custom visuals it needs, the DAX behind them and prompts to generate them.

KPI cards for this layout

Headline numbers drawn by one DAX SVG measure each, for the Card visual or a table row.

Want the headline numbers to look like cards rather than plain values? Browse the KPI card gallery or build your own in the SVG measure builder.

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Make the Loan Portfolio Risk template yours

Swap in your brand colours and logo, move panels, add icons and generate missing visuals with AI, then export the background, theme JSON and PBIP project.

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