T416 · Card Economics · Cat-09

Issuer Card Portfolio P&L Model

Model the full economics of a card issuer portfolio — net interest income, interchange revenue, annual fees vs. rewards cost, fraud losses, credit losses, and servicing cost — to produce per-account unit economics and portfolio ROA.

Runs locally · Zero PII v1.0 · May 2026 Cat-09 Card Economics

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Portfolio Parameters

Active Accounts

Product Type

Avg Outstanding Balance / Account ($) Credit products only — average revolving balance per account

Avg Monthly Spend / Account ($)

Revolve Rate (%) % of balances that revolve month-to-month

Economics Parameters

APR / Interest Rate (%)

Interchange Rate (% of spend) Blended: ~1.8% credit, ~0.5% debit

Rewards Cost (% of spend)

Annual Fee / Account ($)

Fraud Rate (% of spend)

Credit Loss / Charge-off Rate (% of balance)

Servicing Cost / Account / Year ($)

Cost of Funds Rate (%)

          
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Unit Economics

P&L Waterfall

Line Item	Per Account / Year	Portfolio Total

Revenue vs. Cost Breakdown

Per-Account Annual ($)

Industry Benchmarks

Benchmark Context Credit card portfolio ROA typically 2.5–4.5%; rewards cost 1.0–2.0% of spend; charge-off rates 2–5% in normal cycles. Debit portfolios are interchange-thin — ROA driven primarily by float and cross-sell.

AP2 Policy Mandate JSON

Model uses simplified assumptions. Actual portfolio economics depend on credit quality, regulatory environment, funding structure, and contract terms. For illustrative and planning purposes only.