AI data analyst for banks
Know why NIM moved before ALCO asks.
NIM, deposits and delinquency on one board. Bruin flags what moved.
Balance sheet
September · whole bank
- NIM
- 3.12%
- −6 bps
- Deposit cost
- 2.47%
- +11 bps
- Loan/deposit
- 88.6%
- −1.1 pts
- 30+ DPD
- 1.9%
- +0.1 pts
Net interest margin, last 12 months
NIM down 6 bps to 3.12%. Deposit costs up 11 bps.
core.loan_accounts + core.deposit_accounts + gl.balances · refreshed 06:00
Trusted by forward-thinking teams
Ask it anything
ALCO at 9 tomorrow. Pack ready by 4:10.
Your numbers
Defined once. Used in every answer.
- Net interest margin
(interest_income − interest_expense) × (365 / days) / avg_earning_assets- Cost of deposits
deposit_interest × (365 / days) / avg_total_deposits- Deposit beta
Δ cost_of_deposits / Δ fed_funds_rate- Loan-to-deposit ratio
total_loans / total_deposits- 30+ DPD
sum(balance) filter (where dpd >= 30) / sum(balance)- Cost-to-income ratio
noninterest_expense / (net_interest_income + noninterest_income)
From a customer
“Thanks to Bruin, we have been able to automate all the manual parts of our data pipelines. We are able to focus on our business users' needs while delivering insights faster than ever before.”
Alperen YildirimData Engineer, Workhy- faster time-to-insight
- 4x
- fewer data quality issues
- 60%
- faster data ingestion
- 200%
Built on the Bruin platform
What runs behind the answer.
Sources
DatabasesWarehousesApps & APIsFiles & storageStreams & webhooksWeb scrapingMove
Data IngestionSecurity & compliance
Enterprise-grade security.
Bruin Data Limited is ISO/IEC 27001:2022 certified by Prescient Security and SOC 2 Type 2 attested.
- Role-based accessGranular permissions, scoped per channel and team
- Audit logsComplete activity tracking
- Single sign-onSAML 2.0 and OAuth
- EncryptionAES-256 at rest and in transit
- Private linksVPC peering support
- Data residencyGDPR compliant
- Access controlsIP allowlisting
- Two-factor authAn extra layer on every login
Frequently asked
Questions from banks.
How do I know Bruin’s net interest margin (NIM) figure is right?
Every answer shows the query and sources, and column-level lineage traces each figure back to the core banking or GL table. NIM, cost of deposits and deposit beta have one definition, tested on every run.
Which banking systems does Bruin connect to?
Core banking databases on Oracle, IBM DB2, SQL Server or PostgreSQL, general ledger and regulatory extracts over SFTP, card events from Kafka, Salesforce and your warehouse.
Can Bruin build our ALCO pack before each meeting?
Yes. Schedule the NIM bridge, deposit mix, loan-to-deposit ratio and 30+ DPD as a PDF before every ALCO meeting, and ask for an extra page in Slack. Every figure links to its query.
Can Bruin tell new deposits from money moving between our own products?
Yes. Account-level flows from the core show where each balance came from, so a CD promo’s inflows split into new money and funds moved from your own savings or money market accounts.
Can Bruin alert us when deposit costs or delinquency move?
Yes. Set a rule, like 30+ DPD up 0.2 points in a month or deposit costs up 10 bps, and Bruin posts in #credit-risk or #treasury and tags the owner.
Does Bruin need access to our production core banking system?
No. Point it at a read replica or a nightly extract, and it loads incrementally, so nothing runs against the core itself.
How much does Bruin cost, and is it per seat?
Bruin Cloud is free to start: $100 in credits and 50 AI tasks, no credit card. After that, compute is billed per second (about $2.50 an hour for SQL, $10 on a standard instance) and AI tasks cost $1 to $3 each, depending on complexity. Committed-use discounts lower the rate as usage grows. No seats. VPC or on-prem: book a demo.
Can Bruin run on-premises or in our own VPC?
Yes. In Bruin Cloud, your own VPC on AWS, GCP or Azure, or on-premises, including air-gapped, with private connectivity to your sources. You pick the region your tenant runs in, EU included.
Who can see customer and account-level data in Bruin?
Only the roles you set. Access is scoped per workspace, project and asset, with SSO over SAML 2.0 or OAuth and SCIM provisioning on enterprise plans.
Does Bruin keep an audit trail we can show bank examiners?
Yes. Audit logs record every query, asset change, access and admin action, including the queries behind every AI answer. Changes to definitions and pipelines are commits in your own Git repo.
Does Bruin use our bank’s data to train AI models?
No. Your data never trains any model, ours or a third party’s. The AI reads schema and metadata, runs SQL in your warehouse, and calls models only through enterprise endpoints with no-training agreements.
Is our bank’s data safe with Bruin?
Bruin is SOC 2 Type 2 attested and ISO/IEC 27001:2022 certified. Data is encrypted with AES-256 at rest and TLS 1.2 or newer in transit, and the SOC 2 report is available under NDA.
Be ready when ALCO asks.
A demo walks through your own data.
$100 in credits and 50 AI tasks. No credit card.