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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.
Automated Financial Spreading: More Than Just an LLM
See how a purpose-built approach to AI-assisted financial spreading addresses the challenges that generic LLMs alone cannot solve. In this 30-minute on-demand webinar, you will see how Intelligent Document Processing, domain-specific context, Human-in-the-Loop workflows and traceability work together to support accurate, auditable and analyst-controlled automated financial spreading.
Key Capabilities of Automated Financial Spreading
Extract financial data from complex documents and prepare it for automated spreading.
- Document extraction: Extract data from various document and file formats (e.g. PDFs, scanned PDFs) using Document AI, Intelligent Document Processing and OCR technologies.
- Layout awareness: Preserve the structure and position of extracted data.
Capture the financial data and context needed for accurate spreading.
- Metadata: Automatically capture statement-level metadata, such as currency, measurement units, statement dates, auditor information and audit status.
- Financial data: Extract financial data such as balance sheet, income statement, cashflow statement from heterogenous source formats
- Multiple languages: Process and extract financial statements in different languages.
Map extracted financial data to your spreading templates using AI.
- Semantic mapping: The Spreading Agent understands financial line items and maps them to the appropriate target fields.
- Bank-specific guidelines: Apply your templates, rules and spreading guidelines on a template, statement and client level.
Keep credit analysts in control of AI-generated results.
- Review and approve: Validate AI-generated feedback and mapping results
- Source traceability: Trace extracted and mapped data back to its original source.
- Correct and adjust: Override mappings and make manual corrections when needed.
- Continuous improvement: Use analyst corrections for future spreads.
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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