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Automated Financial Spreading – driven by the AI-powered ACTICO Spreading Agent
Turn complex financial documents into analysis-ready data with AI-powered financial spreading.
From Financial Documents to Analysis-Ready Data
Financial spreading often involves time-consuming manual work to extract, interpret and map data from complex financial documents. AI-powered automated spreading takes care of these data preparation tasks, turning unstructured financial information into structured, analysis-ready data.
ACTICO Financial Spreading Agent helps credit professionals accelerate the spreading process, apply internal guidelines consistently and spend more time on what matters: financial analysis and credit risk assessment.
How the ACTICO Financial Spreading Agent works
The solution replaces manual data capturing and mapping tasks with an automated, AI-powered service. The result: less time spent on data preparation, and more time available for credit analysis. This makes the Spreading Agent a practical credit risk assessment tool for document-heavy processes. Learn more of the ACTICO Credit Risk Platform.
Agentic AI in Credit Risk Assessment
Agentic AI enables AI to do more than generate content – it can execute multi-step tasks and workflows within defined boundaries. For credit teams, this means less manual processing, faster access to analysis-ready information and more consistent execution, while keeping people in control of critical decisions.
Automated Financial Spreading –
Frequently Asked Questions
Is it possible to automate the financial spreading process?
Yes, it is possible to automate the financial spreading process, allowing credit teams to analyze more loans in a shorter time.
What technologies are used by the Spreading Agent?
The agent uses “a combination of intelligent document processing (IDP), natural language processing (NLP), and large-language models (LLM) to auto-spread financials.”
What are the benefits compared to manual financial assessment?
An automated spreading process eliminates the time-consuming process of manual input and mapping of financial statement data. It allows the credit analyst team to process more loans in less time.
Is the Automated Spreading Agent capable of handling the heterogenous formats, languages, and layouts of financial statements?
Yes, equipped with the latest generation Generative AI models, spreading agents can understand and cope with the complexity and heterogeneity related to formats, language and layouts of financial statements.
Our spreading template(s) are unique to our banking organization. How is the agent capable to map against my proprietary template?
The spreading agent’s knowledge is augmented with bank-specific spreading templates and guidelines. Similar to a human analyst, it is able to use and apply these bank-specific instructions and guidelines during the data mapping and spreading process.
Can the Spreading Agent handle scanned documents and various layouts?
Yes. Using OCR and semantic AI, the system can process both digital and scanned PDFs with heterogeneous structures.
Can we use our internal templates?
The results are auditable and continuously improved through feedback. Validation points can be configured.
How accurate is the output?
The results are auditable and continuously improved through feedback. Validation points can be configured.
Does the system support various accounting standards and languages?
Yes. Multiple languages and formats are supported.
Recognized throughout the industry.
ACTICO has consistently been recognized by customers and analysts as a leading provider of solutions for Compliance, Asset Administration, and Credit Risk Management, as well as Advanced Decision Automation Technology.
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