Financial Spreading Module

Spreading & Analysis of Financial Statements

Capturing and spreading financial statements and calculating financial ratios are key processes in credit risk management. The ACTICO Financial Spreading software offers a comprehensive feature set for collecting, spreading, and analyzing financial statement data. Using fully configurable financial spreading templates, the software can calculate financial ratios, project future periods and generate financial analysis reports. These reports can include peer-group analysis to benchmark counterparties with similar companies in the same market or industry.

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Key Features

Automated and Streamlined Financial Spreading Process

Capture Financial Statements

The application allows users to capture, analyze and manage financial statements within a central web-based application. The system supports various accounting standards, such as IFRS, US-GAAP and other local GAAPs, and the use of industry-specific templates.

Financial Analysis

Based on the data captured or imported, financial ratios are automatically calculated. The financial ratios are fully configurable and can differ by spreading templates (e.g. by portfolio, country).

Financial Projection

The Financial Spreading software allows to project future periods of financial statements. The projection can be based on historic data and manual assumptions by the credit analyst. The projection logic is fully configurable.

Generate Reports & Analyses

The Financial Spreading module generates reports in various formats, such as PDF, MS Word, and MS PowerPoint. The reports are fully configurable and may contain comprehensive counterparty analysis (e.g. for peer-group analysis).

Financial Covenants

The software enables the end user to create custom ratios (e.g. on a client level). These custom ratios and all standard ratios can be used for defining and monitoring financial covenants in the application.

Import & Export Data

Financial statements can be imported and exported via MS Excel. In addition, financial data can be obtained from external data sources, such as business registrars in an XBRL format, or credit bureaus.

Benefits

The Financial Spreading module seamlessly integrates with a bank’s existing internal system, e.g. core banking system. A standard interface provides access to financial data from related key processes in commercial banking, such as risk rating, loan underwriting, and origination.

Automation

Spreading Automation

Financial statements can be sourced, mapped, and processed automatically from several internal and external data sources (e.g. XBRL, APIs provided by Credit Bureaus).

Flexibility

The Financial Spreading Module is highly configurable. Banks and financial service providers are able to create custom templates for capturing, spreading, reporting and projecting financial statement data.

Automation

Scalability

The module is based on the most current state-of-the-art technologies and system architecture. The platform has been designed for high availability and high scalability in the enterprise software segment. All data is stored in a centralized database and is available for data analysis and reporting requirements.


Knowledge Center

Blog: Financial Spreading Software

How to migrate successfully from a legacy financial spreading application.

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Brochure: Financial Spreading

The software module for recording and analyzing annual financial statements for credit assessment.

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Video: Financial Statement Analysis

What challenges modern financial spreading solutions face.

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