if you receive a loan from a bank, how does the cash flow of the bank look like? I found the following: https://fincomplete.com/ratgeber/artikel/wie-berechnet-die-bank-meine-kreditzinsen-2 (unfortunately in German)
There, you see a split of different compontents of the interest rate. However, these component do not occur over the whole credit period, do they?
My assumption is the following: The base interest rate occurs every year (same as the interest rate for the customer). What about the other components: risk costs equity capital costs operating costs overhead costs ?
Do they occur over the whole credit period or only in the first year?
I would like to see the cash flow of the bank (assuming that it may even be negative in the first year).