Financial Spreading Suite
Extract, structure, and normalize financial statements—across formats, standards, and entities—with unmatched accuracy and traceability.
Challenges
Where Credit Analysis Fails at Scale
Credit workflows stall when senior analysts spend time interpreting formats instead of assessing risk. As deal volumes grow, inconsistency and manual judgment erode speed, accuracy, and governance.
Fragmented Financial Formats Borrower submissions arrive as scanned tax returns, PDFs, Excel files, and mixed schedules. Interpreting and aligning these into a common structure is slow and error prone.
Inconsistent Line-Item Interpretation Revenue, expenses, and adjustments are recast differently by each analyst. Subjective mapping leads to uneven EBIT and EBITDA calculations across the portfolio.
Calculation & Derivation Risk Manual derivation of EBITDA, cash flows, and coverage ratios introduces compounding errors that weaken DSCR reliability and downstream risk models.
What Defines Us
Enterprise-grade spreading built for speed, accuracy, and transparency.
Purpose-built for financial institutions, the platform transforms financial documents into structured, decision-ready intelligence.
Financial Spreading Suite brings structure to complexity. Designed for credit, risk, and research teams, it transforms unstructured financial statements into standardized, analysis-ready data.
Each figure, metric, and ratio is linked back to its source—eliminating guesswork and ensuring full auditability. By normalizing across standards, reconciling entities, and auto-computing key metrics, the suite delivers consistency you can trust.
Whether comparing quarterly trends or portfolio-wide exposures, teams gain a single, reliable foundation for decision-making—accurate, repeatable, and regulator-ready.
Accelerate Financial Analysis with Trusted, Structured Data
From PDFs to spreadsheets, annual reports to filings—convert raw financial data into standardized, comparable spreads. Review computed ratios, validate figures, and trace insights back to their source with confidence.
Accuracy
Time Saving
Productivity
Reduced Manual Work
See Financial Spreading in Action
Experience how Botminds structures complex statements into comparable, compliant spreads—accelerating analysis and strengthening governance.
Get the answers you need
Find clarity on our solutions, capabilities, and how we can support your business.
Accounting standards differ by countries and regions as they have evolved based on the historical norms, legal and taxation procedures.
The US Generally Accepted Accounting Principles (US GAAP) is not followed across the world. The International Financial Reporting Standards (IFRS), currently followed by 120+ countries, was derived based on guidelines provided by the London-based International Accounting Standards Board (IASB) - to have an international accounting framework.
There were over 15+ IFRS and 20+ International Accounting Standards as of 2019. The IAS will replace IFRS when it finalized by IASB.
All of this makes it challenging to compare and analyse financial statements of companies with cross-border commerce; or those across geographies – since it is largely manually and is an error-prone, tedious job. An AI-powered financial spreading automation platform such as Botminds AI is designed to address this very challenge.
Restatements (and remediations) can be triggered due to wrongly applied complex accounting or taxation rules such as acquisitions, revenue recognition; errors in classifying cash flows; revisions in estimations (e.g. depreciation of assets); and gaps in internal controls. Adoption or changes in systems used such as ERP, Accounting software etc. - may also lead to need to remediation of financial processes and statements.
Botminds can handle any PDF documents (scanned or digital). In addition, the Botminds AI platform can extract unstructured data from financial tables or text on web pages, if any.
Your data is highly secure. Botminds platform was built with high degree of data security in mind. 2FA and role-based access controls are in place.
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