AI for banks, finance companies and accountants
Mibyan helps finance teams analyse spreadsheets and financial statements, write management reports and board decks, build cash flow models and explain financial products to customers in plain language, in Arabic and English. The responsible accountant reviews the final figures.
What the work looks like day to day
Finance work runs to a fixed rhythm: the monthly close, a management report explaining why actuals differ from budget, a quarterly deck for the board, and endless requests of the “I need this number by branch” kind. Most of the data leaves the accounting system as an Excel export, and the real work starts there.
In banks and finance companies there is content on top of that: explaining a product to customers, documenting a procedure, answering an enquiry. Analysis and writing together are what take the time. Professional judgement is the part that cannot be delegated.
What Mibyan does for finance teams
Financial statement analysis
Read the income statement and balance sheet and work out liquidity, profitability and leverage ratios, showing the formula used for each.
Actual versus budget
A variance table for each line by value and percentage, and a draft explanation of the largest variances for you to complete with the causes you know.
Management reports and board decks
A one-page executive summary and a deck with figures and charts, exported to PowerPoint or PDF.
Cash flow models
A sheet with formulas for twelve months or more. Change the assumptions and see the effect, then export to Excel.
Customer content
Financial products, fees and steps explained in simple language, in Arabic and English.
Policies and procedures
Internal work steps, authority matrices and request forms documented in a consistent style.
Example: the monthly management report
A realistic workflow from start to finish. Human review is the last step.
01
Export the data
The trial balance or monthly income statement from your accounting system to Excel, with the budget figures.
02
Upload the file and describe the columns
Give the currency, the period, what each column means and any one-off items this month.
03
Ask for the variance analysis
Actual against budget and against the previous month, sorted by size of impact.
04
Write the commentary
Ask for a draft comment on each large variance, then add the real cause that you know from the business.
05
Review and send
The responsible accountant matches the totals to the books, then the report becomes a five-slide deck for management.
Your data and what to check yourself
Mibyan is not an accounting system or an auditor. It analyses what you upload and shows its formulas, and the result is only as right as the file. Match the totals to the books before any figure goes to management or to an outside party, and do not rely on it for an accounting or tax judgement without a specialist's review. It does not give investment advice.
Customer data in the financial sector has its own rules. Do not upload account numbers, card numbers or identifying customer data, and follow your institution's policy and your regulator's requirements on what may be processed outside its systems. Most management analysis needs only aggregated data with no names.
Why Mibyan?
- Sheets with visible formulas and Excel export
- Decks ready for management, in PowerPoint
- Writes in Arabic and English
- Reads uploaded Excel files
Try one of these
Click any example to open it in Mibyan.
Frequently asked questions
Does Mibyan calculate financial ratios accurately?
It calculates them from your data and shows the formulas used so you can check them. Make sure the lines in your file are classified correctly, because a wrong classification changes the ratio.
Does it replace an accountant or an auditor?
No. It shortens the analysis and the writing. Professional judgement and sign-off on the figures belong to the responsible accountant, and audit belongs to a licensed firm.
Can it help with VAT?
It explains the concepts and organises the sheets. VAT in Oman is 5% and has applied since 16 April 2021, but the details of exemptions and returns come from the Tax Authority or your tax adviser.
Can I upload customer data?
Do not upload identifying data or account numbers. Use aggregated or anonymised data, and follow your institution's policy and your regulator's requirements.
Does it write financial reports in English?
Yes. Many financial reports in the Gulf are prepared in English or in both languages. Ask for the report in one language and then a version in the other, and check accounting terms and line names against your own statements.
Is my data safe?
Data is encrypted in transit and at rest, and it's never used to train AI models.