Statementanalysis
The company's own account activity, sorted into where money comes from and where it goes, reconciled to the statement totals, with a three-month trend and forecast.
See the trend and forecastInflow by category.
| Category | Breakdown | Amount | Share of credits |
|---|---|---|---|
| Interbank Receipts | from distributors, by IBG | RM624,000.00 | 64.0% |
| QR & Transfer Receipts | 186 transactions | RM214,500.00 | 22.0% |
| CMS Receipts | Collections from a retail chain | RM97,500.00 | 10.0% |
| Cash Deposits | Cash Deposit Machines (CDM) | RM39,000.00 | 4.0% |
| Card Sales Settlements | No card settlements recorded during the period | RM0.00 | 0.0% |
Written for Credit & risk, Decision-makers
Sample company, anonymised. Figures are illustrative; the rules are the product's.
Checked against the product source on 16 October 2026.
Does the account back it up?
It reads
- The company's bank statements, one per account and month, up to the 8 most recent
You get
- Credits and debits by category, with their share of the total
- Banking conduct and concentration notes
- A three-month cash-flow trend and a next-month projection
- A reconciliation check for every statement
Think of it like this
Like spreading three months of statements across a desk and sorting every line into piles, then checking the piles still add up to the totals printed at the bottom.
Ten piles, two totals
Every credit and every debit on a statement goes into one of ten fixed categories, with its share and top counterparties.
Credits (5 piles)
RM975,000.00 across 3 months
Interbank Receipts
from distributors, by IBG
RM624,000.00
64.0%
QR & Transfer Receipts
186 transactions
RM214,500.00
22.0%
CMS Receipts
Collections from a retail chain
RM97,500.00
10.0%
Cash Deposits
Cash Deposit Machines (CDM)
RM39,000.00
4.0%
Card Sales Settlements
No card settlements recorded during the period
RM0.00
0.0%
Debits and obligations (5 piles)
RM946,900.00 across 3 months
Payments from Account
Raw materials, packaging, utilities
RM568,140.00
60.0%
Transfers Out
to suppliers and payroll
RM236,725.00
25.0%
ESI / Statutory Payments
EPF, SOCSO, EIS, LHDN
RM113,628.00
12.0%
Cheque-Related Items
4 transactions
RM23,672.50
2.5%
Bank Charges & Fees
Transfer and service fees
RM4,734.50
0.5%
Single-channel concentration flagged at 50% or more
Interbank Receipts brings in 64.0% of total credits (single-channel dependence) and Payments from Account takes 60.0% of total debits. Both rows are called out automatically so your team sees concentration risk that aggregate totals hide.
Checked against the printed totals
A model sorts the lines one statement at a time, handed the statement’s own totals from code. If the piles miss by more than RM 1 or 0.1%, it gets one repair pass and any remaining gap is shown.
Three statement outcomes
Reconciled
January 2026 · Sample Bank Berhad · 148 transactions
Opening RM812,400.00 + Credits RM356,900.00 minus Debits RM331,250.00 = Closing RM838,050.00
- Printed credits
- RM356,900.00 printed on statement
- Category credits sum
- RM356,900.00 across 5 credit piles (difference RM0.00)
- Printed debits
- RM331,250.00 printed on statement
- Category debits sum
- RM331,250.00 across 5 debit piles (difference RM0.00)
Both category totals and the opening-to-closing balance movement reconcile within the RM 1 / 0.1% threshold.
Three months and the next
Three consecutive statement months build the next-month category projection. With fewer months, or a gap in between, no forecast is guessed.
Nov 2025
+RM14,300.00 net
Dec 2025
-RM11,850.00 net
Jan 2026
+RM25,650.00 net
Feb 2026 · Projected
3-month average per category
Next-month projection by category (Feb 2026)
Each category projected at its average over the three consecutive months
Interbank Receipts
Credit
RM208,000.00
Payments from Account
Debit
RM189,380.00
Transfers Out
Debit
RM78,908.33
QR & Transfer Receipts
Credit
RM71,500.00
ESI / Statutory Payments
Debit
RM37,876.00
CMS Receipts
Credit
RM32,500.00
Cash Deposits
Credit
RM13,000.00
Cheque-Related Items
Debit
RM7,890.83
Bank Charges & Fees
Debit
RM1,578.17
What it covers and leaves out
Built for your credit team on demand from a Full SPOT report, with strict guardrails on currency, caps, and scope.
Sample Foods Sdn Bhd · 3 of 8 statement slots used
1 current account (Nov 2025 to Jan 2026) · MYR totals verified
8 statements maximum
One per account and month; any older statements on file are listed as omitted
MYR reference rate required
Foreign-currency statements without a rate are excluded from ringgit totals
Linked banks only
Visible in your Analysis Modules list; not shown on the SME’s side
Up to 8 statements, MYR-safe.
Reads up to the 8 most recent statements (one per account and month) and lists any it left out. Foreign-currency statements without a reference rate are excluded from ringgit totals rather than converted at a guessed rate.
Drawdowns vs revenue.
Statement analysis shows credits as they appear on the account. When Financing Eligibility uses bank statements for revenue, it strips loan drawdowns out of monthly credits first.
Partner-only, no verdict.
Gives no score, verdict, or financing amount, and is visible only to linked institutions (not the SME). Account ownership is checked at document upload via the identity anchor.
Read with this
- SSM identity anchor
Before anything else, the SME uploads its SSM certificate. That certificate fixes who the company is, and every later document is checked against it.
Totals that add up.
Each category is checked against the statement's own totals, and any gap is shown, not smoothed over.
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