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IndustriesBanks & financial servicesBanks: corporate lending, credit analysis and credit risk

A complete credit file at the first vote.

The LumeSec AI Platform reads annual accounts, trial balances and collateral. It computes your ratios under your credit policy, prepares the vote and the credit memo and checks intra-year figures for early warning signals. Your people decide. Every value has a source, every step is logged.

See your agent liveSee the platform

30 minutes · no obligation

CaseFinancial statement analysis0/8
  1. Documents
  2. Extraction
  3. Mapping
  4. Ratios
  5. Plausibility
  6. Discrepancies
  7. Explanation
  8. Approval◆
Ready for approvalExample

01 · Starting point

What holds your people up today.

  • 01Media breaks between inbox, rating tool and circulation folder.
  • 02Hardly anyone checks intra-year figures for SMEs. Manually it cannot be done.
  • 03Three to four rounds of follow-up until an application is complete.
  • 04Internal audit and supervisors want to see how a decision came about.

02Processes

From intake to approval.

These are the processes we map for your industry. At the points you set, a person decides.

  • 01

    Financial statement analysis

    From annual accounts to a sourced analysis, in eight steps.

  • 02

    Loan application

    From application to payout. A complete file at the first vote.

  • 03

    Intra-year credit monitoring

    More credit risk management, with the same team.

  • 04

    KYC & onboarding

    Check new customers without chasing documents.

  • Outlook

    Your process. On the same platform.

    Your process is missing? We map further processes on the same platform. You describe it in plain words, we set it up with you.

    Discuss your process

03Figures

The pressure is measurable.

  • 97 %

    of SME loan applications filed are approved. Up to 10 % never apply because of the effort.

    IFZ/HSLU 2025 (CH)

  • 62 %

    of bank executives expect at least one in ten positions to stay vacant in 2030.

    Robert Half / Protiviti 2025

04Principle

The AI reads. The software computes. Your team decides.

4.812.330

↳ JA_2025.pdf · p. 14, line 3

01

The AI reads.

For every figure you see where it comes from: document, page, quote. One click takes you there.

34,2 %

Equity / total assets · fixed formula

02

The software computes.

Fixed formulas, not AI. The same inputs give the same result. You see the calculation path for every value.

Approve

Name · time · reason in the audit trail

03

Your team decides.

Nothing changes and nothing leaves without approval. Who, when, what and why is written to the audit trail and cannot be altered.

Agents for this industry

Operations

Banks usually choose Dedicated or Sovereign: own data plane and keys, operated in Europe or in your data centre.

Deployment & hosting

Rules we map to

  • EU AI Act Anhang III
  • DORA
  • FMA-MS-K
  • § 39 BWG
  • EBA/GL/2020/06
  • KI-RMV
  • FM-GwG
  • WiEReG
  • FINMA 2023/1

Structural mapping.

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

What should we look at?

We show: the analysis of one set of annual accounts up to a draft vote

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