AgentsFinancial Services AgentFor banks & financial services
From annual accounts to a sourced analysis.
In eight steps.
The Financial Services Agent handles every financial services topic, up to complete account and credit processes.
DSCR · 2025formula v4 · fixed
= Cash flow available for debt service
/ Debt service
= 1.284.500 / 912.300
1,41Covenant ≥ 1,20 ✓
- ↳ JA_2025.pdf · p. 7 · income statement
- ↳ Loan agreement · § 12 · repayment plan
Fig. · Ratio with formula and inputs. Sample data.
01Process
The AI reads. The engine computes. You decide.
The AI reads
- 01
Documents
PDF, scan or Excel
- 02
Extraction
company, periods, values
- 03
Mapping
into your single structure
The engine computes
- 04
Ratios
formula and inputs
- 05
Plausibility
balance sheet and P&L checked
The AI checks and explains
- 06
Discrepancies
contradictions shown
- 07
Explanation
why, with both sources
You
- 08
Approval
a person approves, audit trail
02Your ratios
You spread differently? Good.
The analysis structure comes with 150 standard items. Your own items and your own extractions are possible, of course. We are glad to integrate your existing analysis sheets.
- EBITDA after your adjustments
- DSCR
- Equity ratio
- Leverage
- Austrian URG ratios
- Your covenants
- Your own formulas
150
standard items in the analysis structure
84
standard ratios as a starting point
0
calculations by the model
03 · Ongoing monitoring
More credit risk management. With the same team.
Hardly anyone checks intra-year figures for SMEs; manually it cannot be done. Customers send trial balances during the year and the analysis runs automatically. Early warnings come with their source, and the audit trail serves as evidence for internal audit and supervisors.
- EBA/GL/2020/06 sec. 8
- § 5 (3) KI-RMV
- FMA-MS-K
04Expansion
Model it once, use it everywhere.
01Today
Statement analysis
Annual accounts and trial balances, ratios, findings and vote.
02Next to it
Loan application
Check documents, pre-check, support the decision.
03Next
Group and partner banks
One analysis structure for all institutions of a group.
- Three ways in
- Interface for analysts
- Administration for rules, mappings, roles
- API without the LumeSec interface
05Objections
What banks ask.
01Does the AI make up numbers?
No. The AI reads and explains. Calculations run with fixed formulas in an engine. The same extractions give the same ratios.
02Who decides the loan?
A person. Findings and vote are drafts. For consumer credit, creditworthiness assessment is a high-risk case under EU AI Act Annex III; the decision stays with you.
03We spread differently.
Structure, mappings, rules and formulas are yours. We set them up with your experts. Later you change rules in conversation with the agent; changes go live only with your approval.
04We could build this ourselves.
Yes. But building, running and audit evidence take time. The platform brings identity, permissions, models and audit trail ready-made.
05What about data protection?
The agent works with the rights assigned to it. Each institution is its own tenant. Operation in your infrastructure is possible.
Marcus M. Ziegler
Founder & CEOBirgitz, Tyrol--:--
A demo directly with Marcus.
30 minutes on your example. Marcus shows you what the LumeSec AI Platform can do. Afterwards you know what an agent takes over for you.
30 min · Microsoft Teams · German or English
We show: the analysis of one set of annual accounts up to a draft vote