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Automated Financial Spreading – driven by the AI-powered ACTICO Spreading Agent

Automate financial data extraction and spreading using Intelligent Document Processing and Generative AI. 

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Leverage the ACTICO spreading agent

Eliminate the time-consuming process of manually entering and mapping financial statement data. The ACTICO Financial Spreading Agent leverages Intelligent Document Processing (incl. OCR), NLP, and Large Language Models (LLM) to do the heavy lifting for you.

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Increased Efficiency

Automate extraction of metadata and financial data from complex financial documents.

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Faster Credit Assessment

Spend less time on manual data entry and reconciliation, and more time on financial analysis.

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Automated Processing

Intelligently and autonomously map to internal templates and consistently apply internal spreading guidelines.

How ACTICO Financial Spreading Agent works

Automated Financial Spreading 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.

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Core capabilities of Automated Financial Spreading

Intelligent Data Extraction

By performing an intelligent document processing (including OCR), the Spreading Agent detects relevant tables and extracts financial data from any PDF and scanned PDF files.

Multi-Format and Multi-Language Support

The Spreading Agent understands financial statements in various formats and languages.

Automated Spreading

Using Generative Artificial Intelligence (GenAI), the Spreading Agent automatically maps line items to configurable spreading templates and applies the bank’s spreading guidelines.

Large Language Support

Retrieve metadata such as statement dates, statement types, currencies or auditor information from unstructured data.

Auditability

Ensure a full audit trail by highlighting the line items from where data was collected.

Seamless Integration

Store extracted financials in the ACTICO Credit Risk Platform and other systems.

ACTICO’s Vision

AI in Commercial Credit Risk Assessment

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At ACTICO, we see Artificial Intelligence not as a black box or standalone tool – but as a collaborative force that works alongside our end users. Our goal is to empower credit professionals through intelligent agents that:

  • understand the language and logic of commercial credit risk assessment,
  • follow institutional guidelines and audit requirements,
  • and deliver transparent, traceable outcomes – always under human oversight. 
Agentic AI in Credit Risk Assessment

How AI Agents transform the role of credit analysts 

Agentic AI marks the next evolution beyond Generative AI. Instead of executing single prompts, agents autonomously perform complete tasks – from data collection to analysis. For credit risk teams, this means fewer manual steps, faster decisions, and greater consistency. 

Discover in this Business Insight how Agentic AI transforms credit risk workflows and what prerequisites are key for its use in regulated environments. 

Download business insight here 

Automated Financial Spreading FAQ –
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 Spreading 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 Artificial Intelligence 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.

Recognised throughout the industry.

For many years, ACTICO has been recognised by customers and analysts as a leading provider of Advanced Decision Automation Technology and solutions for Compliance and Credit Risk Management.

ACTICO Award logo Forrester
ACTICO Award logo Gartner
ACTICO Award RegTech100
ACTICO Award FinCrime50

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Let the ACTICO Spreading Agent do the heavy lifting – so your analysts can focus on what matters. Contact our experts to enhance your commercial credit risk assessment processes. 

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