Automated Financial Spreading – driven by the AI-powered ACTICO Spreading Agent
Automate financial data extraction and spreading using Intelligent Document Processing and Generative AI.
Automated Financial Spreading
Leverage spreading agents for automating financial data extraction and statement mapping
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.
Increased Efficiency
Automate extraction of meta data and financial data from complex financial documents.
Faster Credit Assessment
Spend less time on manual data entry and reconciliation, and more time on financial analysis.
Automated Processing
Intelligently and autonomously map to internal templates and consistently apply internal spreading guidelines.
How ACTICO 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.
ACTICO Spreading Agent
Core capabilities of Automated Financial Spreading
Intelligent Data Extraction
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 meta data such as statement dates, statement types, currencies or auditor information from unstructured data.
Auditability
Ensure 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.
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.
ACTICO’s Vision
AI in Commercial Credit Risk Assessment
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.
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?
Yes. The agent applies your bank’s specific spreading templates and mapping logic.
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.