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Case Study
GB Bank

Supporting GB Bank’s long-term innovation and regulatory resilience

Company Overview
GB Bank is a community-focused, purpose-driven UK bank. After receiving its full banking licence in August 2022, the bank launched to provide flexible finance for SME property developers and investors, while offering competitive savings products. Its strategy is centred on regenerating communities across the UK.

As part of its rapid growth and innovative business model, GB Bank commissioned TriFidus to support its long-term financial planning strategy and strengthen its regulatory compliance through capital and liquidity stress testing.

The Challenge

With growth accelerating, GB Bank’s initial planning processes were no longer suited to the scale and dynamism of the organisation. The bank required:

A new financial model capable of integrating actual data for more accurate forecasting.

Capital and liquidity stress-testing to meet regulatory requirements.

Flexible, modular scenario analysis to reflect real-time changes in products, funding, and strategy.

Integration of new products into planning to assess their impact on the sales mix, capital base, and liquidity.

Our Approach

TriFidus designed and delivered a modular financial planning tool that provided clarity, control, and confidence for executives and regulators. Specifically, we:

Analysed the existing financial plan, identifying limitations in forecasting accuracy and adaptability.
Led design sessions with finance leaders to define requirements for future product launches and operational planning.
Developed a dynamic model with monthly update functionality, integrating actuals into forecasts.
Built in stress-testing modules for capital and liquidity, enabling detailed regulatory submissions and internal risk analysis.
Designed a dashboard interface to track data against forecasted models and support management decision-making.

The Outcome

The new model transformed GB Bank’s approach to financial planning:

Provided executive-level confidence in long-term strategy.
Strengthened regulatory readiness by embedding stress-testing capability.
Delivered flexibility for scenario-based planning, allowing quick adaptation to market and product changes.
Created a sustainable, user-friendly tool embedded in the finance team’s day-to-day operations.

“Working with Ivan and the TriFidus team was just what we needed. Their ability to understand our requirements and quickly incorporate them into the model was beyond our expectations. Their proactive approach ensured we were not only meeting current needs but prepared for future changes.”

Eddie Trahearn, CFO, GB Bank

The Impact

TriFidus enabled GB Bank to align its innovative business model with robust financial discipline. By delivering a flexible, regulator-ready planning tool, we helped the bank balance growth with governance, ensuring long-term resilience while continuing to serve communities with confidence.