Bank-World: A Benchmark for Evaluating Agents on Banking Workflows

Abstract

Bank-World is a benchmark of 50 banking tasks across two simulated institutions. Completing banking work requires more than producing the right calculation: agents must reconcile records, obtain permission, execute transactions, and keep instructions and status reports consistent as circumstances change. Bank-World tests these requirements through single-turn assignments and multi-turn interactions with simulated employees who supply information, approve actions, and revise instructions. Grading combines executable checks of recorded actions and state with model judgments of task requirements, including whether valid alternative solutions satisfy them. Across 1,600 attempts by four models, we find that correct decisions often fail to become completed work. Agents charge fees twice, distribute the correct total in incorrect amounts among the recipients, and execute payments while approval is pending. Their strengths also differ: Sol leads single-turn completion, Opus has the highest observed multi-turn completion rate, and Grok succeeds across more multi-turn tasks but less consistently. Bank-World makes these differences inspectable through task-level results and worked examples connecting source evidence, agent decisions, and simulated consequences. We retain the task environments, executable graders, and full trajectories privately to reduce contamination and preserve the benchmark for future evaluations.