Analyse corporate clients’ balance sheets and management accounts

Corporate client advisers analyse balance sheets and management accounts

Needs setupAI Act: no extra obligationsAnalysing & reporting dataBanking & finance

Fits: Sales · Finance & accounting

You get a structured overview of a corporate client’s earnings, liquidity and debt faster, and go into the client meeting with targeted questions. The credit decision stays with you.

Is this for you?

  • You look after corporate clients and regularly receive annual financial statements and management accounts (BWA).
  • You have a credit analysis or balance sheet analysis system, or want to speed up the preparation.
  • You can work with invented or disguised figures for trying it out.
First step today

Take the balance sheet and income statement of an invented GmbH (limited company) over two years (or disguised figures without company names), and use the template below to create key figures and questions for the meeting. Recalculate the equity ratio yourself.

How to go about it

  1. Clarify the occasion and the questions for the financial statements
  2. Read in financial statements and management accounts and make them comparable
  3. Have key figures and trends analysed
  4. Check key figures against the financial statements and your bank’s definitions
  5. Prepare the result for the client meeting and credit proposal
  6. Build the analysis into the credit process

Templates to copy

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Included in the training

The complete guide

  • 6 steps explaining exactly what to do
  • 3 proven templates to copy into your own AI
  • Safe use: data, checking, deciding, informing
  • Pitfalls, effort and how to recognise success

With the training you get all 430 guides for as long as your access runs.

See the trainingOne-off per person, no subscription

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BF-02 · Legal status 08.10.2026