Bank Statement Analysis

Parsing and categorization of 6-12 months of bank statements. Automated extraction of financial health metrics. Alerts based exclusively on bank-statement data.

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Metrics
Categories
Recurring
Alerts
Metrics Check
{ "dscr": 1.85, "cash_buffer": 45 }

What we extract

Financial Health Metrics

DSCR, Cash Buffer, OPEX Rate, Fixed-Cost Load - automated extraction from statement data.

Smart Categorization

6-12 months of transactions into 50+ categories. High accuracy on UAE-specific patterns: DEWA, Salik, RTA.

Recurring Detection

Identify recurring transactions, subscriptions, regular income streams. Detect patterns humans miss.

Supplier Concentration

Detect concentration risks. Flag when too much spending goes to single vendors or related parties.

Split-Payment Normalization

Consolidate split payments into single logical entries for cleaner analysis.

Statement-Based Alerts

Risk alerts from bank data only: unusual patterns, structuring, round-trip transactions.

Supported Banks

All major UAE banks plus 500+ international formats.

Emirates NBDFABADCBMashreqDIBRAKBANKCBDSharjah Islamic Bank500+ international

Industry Use Cases

Banking & Lending

Automate creditworthiness assessment from transaction history. Analyze cash flow patterns, debt service coverage, and income stability for faster loan decisions with lower default rates.

Real Estate

Verify tenant financial health before signing leases. Analyze rental payment history, income regularity, and spending patterns to reduce tenant default risk.

Insurance

Verify income claims for policy underwriting and claims processing. Detect inconsistencies between declared income and actual bank statement data at scale.

Accounting & Audit

Automate bank reconciliation and transaction categorization. Process months of statements in seconds instead of hours. Flag anomalies for auditor review.

Legal & Dispute Resolution

Analyze financial disclosure in divorce, partnership disputes, and fraud cases. Detect hidden income, undisclosed accounts, and suspicious transaction patterns.

Fintech

Automated income verification and transaction categorization for lending, BNPL, and wealth management apps. Power instant credit decisions with real-time statement analysis.

Technical Specifications

High accuracy on UAE-specific categories. Low false positive rate. Processes 6-12 months of transaction history.

PDF, scans, photos
Arabic text recognition
Batch processing
Webhooks
JSON output
Password protected docs
POST /api/v1/bank-statement
Authorization: Bearer sk_live_...
Content-Type: application/json

{
  "file_url": "https://...",
  "password": "optional_pdf_password",
  "webhook_url": "https://your-app.com/webhook"
}

// Response
{
  "id": "stmt_8k4m2n",
  "status": "completed",
  "period": "2024-01 to 2024-06",
  "transactions": 847,
  "metrics": {
    "dscr": 1.85,
    "cash_buffer_days": 45,
    "opex_rate": 0.62
  },
  "alerts": [
    "High supplier concentration: 42% to single vendor"
  ]
}

Deployment Options

Choose how you want to use the tool.

For Startups & Fintechs

API Access

Integrate via REST API. Pay per document, scale instantly. Best for teams wanting quick integration.

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For Banks & Enterprise

On-Premise License

Deploy on your infrastructure. Full code license, no data leaves your environment. For banks and regulated entities.

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Custom Projects

Custom Development

Need specific bank formats or custom metrics? We build or modify the tool to match your requirements.

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Ready to analyze bank statements?

Try the demo with sample documents or contact us for API access.

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