Formula for win or lose as text to result in different mathematical outcomes

Hi all

First time poster but a problem i've been wrapping my brain around for a bit! Sorry if the title was rubbish!

I don't think it's complicated but here goes:

I like to keep stats of all my winnings when gambling in a spreadsheet.

My columes are as follows:

Odds, Stake, Won or Lost, Start Bank, End Bank

What I'm trying to do is have the end bank formula be something like:

If Won the bet then it would take the stake minus 5% and all it to the Start Bank

But also if lost the bet then would times the Stake by the odds and minus it from the Start Bank

I've attached an example sheet to have a look at.

Would greatly appreciate any help or advice!

Cheers all
James