Transform financial data into compelling narratives automatically. NARRATOR uses advanced NLG (Natural Language Generation) to create variance explanations, trend analysis, and management commentary for Balance Sheet, P&L, and regulatory reports.
"Operating expenses increased by 12.3% (₱4.2M) compared to prior period, primarily driven by higher personnel costs (+₱2.1M) and marketing investments (+₱1.8M). This aligns with the strategic expansion initiative approved in Q3."
NARRATOR is an enterprise NLG platform that transforms raw financial data into professional, audit-ready narratives. It automates the time-consuming task of writing variance explanations, trend commentary, and management discussions.
Auto-generate explanations for material variances with root cause analysis and trend identification.
Identify and articulate trends across periods, highlighting significant movements and patterns.
Advanced language models that generate human-quality narratives with contextual understanding.
Every generated commentary includes a confidence score for review prioritization.
Classify commentary as positive, negative, or neutral for balanced reporting.
Built-in review and approval workflows with audit trail for compliance.
See how NARRATOR compares to traditional reporting tools and manual commentary writing.
| Alternative | Limitation | NARRATOR Advantage |
|---|---|---|
| Manual Commentary | 40-60 hours per quarter, inconsistent quality, prone to errors | 80% time reduction, consistent tone, zero calculation errors |
| Excel Templates | Static templates, no contextual intelligence, manual updates | Dynamic generation, context-aware narratives, auto-refresh |
| Basic BI Tools | Numbers-only output, no narrative capability, requires interpretation | Full narrative output, executive-ready language, self-explaining |
| Generic AI/ChatGPT | No financial context, security concerns, inconsistent output | Finance-trained models, enterprise security, regulatory compliance |
| Legacy ERP Reporting | Rigid formats, no AI capability, expensive customization | Flexible output formats, AI-native, rapid deployment |
From CFO to analyst, NARRATOR provides tailored experiences that answer each persona's critical questions.
Built on a modern, scalable architecture designed for enterprise-grade performance and security.
More than a vendor — a strategic partner committed to your success in financial operations transformation.
Deep domain expertise in financial services and enterprise reporting.
Successfully deployed across 50+ institutions in 20+ countries.
24/7 support with dedicated customer success managers.
Go-live in 4-6 weeks with our proven methodology.
Join leading enterprises that have reduced commentary writing time by 80% and achieved consistent, audit-ready narratives with NARRATOR.
End-to-end workflow from Oracle GL/SAP data ingestion through COA analysis, human-in-the-loop explanation capture, LLM stitching, and final CFO Commentary Pack generation.
| COA Segment | Current (₱M) | Prior (₱M) | Variance | Auto-Generated Commentary | Source |
|---|---|---|---|---|---|
| Revenue | 1,245.8 | 1,156.2 | +7.7% | "Revenue increased 7.7% driven by 12% growth in digital banking services and 5% expansion in corporate lending portfolio." | Auto |
| Interest Income | 678.4 | 612.5 | +10.8% | "Net interest margin improved 45bps due to favorable rate environment and optimized asset-liability mix." | Auto |
| Fee Income | 567.4 | 543.7 | +4.4% | "Fee income growth of 4.4% attributed to increased transaction volumes and new wealth management products." | Auto |
| Operating Expenses | 456.2 | 398.7 | +14.4% | "OpEx increased 14.4% primarily due to digital transformation investments (₱42M) and compliance infrastructure upgrades." | Auto |
| Personnel Costs | 234.5 | 198.2 | +18.3% | "Personnel costs up 18.3% due to strategic hiring of 45 tech specialists for digital initiatives per Board-approved expansion plan." | Human |
| Technology | 89.4 | 72.1 | +24.0% | "Technology spend increased 24% reflecting cloud migration Phase 2 and cybersecurity enhancements mandated by BSP Circular 1149." | LLM+Human |
| Marketing | 42.8 | 38.9 | +10.0% | "Marketing investment increased 10% for mobile banking app launch campaign (Q4) with 2.3M new app downloads achieved." | Auto |
| Provisions | 78.4 | 95.2 | -17.6% | "Credit provisions decreased 17.6% reflecting improved asset quality with NPL ratio declining from 2.8% to 2.1%." | Auto |
| Net Income | 312.4 | 278.6 | +12.1% | "Net income grew 12.1% YoY, exceeding guidance of 10%. ROE improved to 14.2% from 13.1%, driven by revenue growth and credit quality." | Auto |
Revenue Performance: Total revenue increased 7.7% to ₱1,245.8M, driven by strong growth in interest income (+10.8%) reflecting improved net interest margins of 45 basis points, and continued momentum in fee-based services (+4.4%) from digital banking and wealth management expansion.
Operating Efficiency: Operating expenses increased 14.4% to ₱456.2M, reflecting planned investments in digital transformation capabilities. Key drivers include:
Credit Quality: Provisions decreased 17.6% reflecting improved asset quality with NPL ratio declining from 2.8% to 2.1%, supported by enhanced credit monitoring systems and favorable macroeconomic conditions.
Bottom Line: Net income grew 12.1% to ₱312.4M, exceeding full-year guidance of 10%. Return on equity improved to 14.2% from 13.1% in the prior period.
| COA Segment | Account Owner | Variance | Threshold | Notification Sent | Response | Status |
|---|---|---|---|---|---|---|
| Personnel Costs | Maria Santos (HR) | +18.3% | >10% | Mar 8, 2026 09:15 | Mar 8, 2026 14:32 | Received |
| Technology | John Cruz (CTO) | +24.0% | >15% | Mar 8, 2026 09:15 | Mar 8, 2026 11:45 | Stitched |
| Other Operating | Ana Reyes (COO) | +8.2% | >5% | Mar 8, 2026 09:15 | Pending | Awaiting |
| Provisions | David Tan (CRO) | -17.6% | >10% | Mar 8, 2026 09:15 | — | Auto-Gen |
| Interest Income | Lisa Wong (Treasury) | +10.8% | >8% | Mar 8, 2026 09:15 | — | Auto-Gen |