Financial Statement Spreading and Analysis Software

The ACTICO Financial Spreading Agent automatically extracts and maps financial statement data to custom spreading templates.

• Intelligent data extraction: 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

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Consistently capture, spread and analyse financial statement data 

• Review reported financials and add comments directly in the spreading grid 

• Calculate and analyse financial ratios using portfolio-specific off-the-shelf spreading templates or custom templates 

• Calculate and visualise trends and common-size analysis 

• Conduct comprehensive peer analysis with industry– / country-specific and user-defined peer groups 

• Create consolidated statements across a group of connected clients (e.g. borrower units) 

Project future periods of financial statements 

• Easily create financial statement projections based on historical spreads 

• Perform scenario analysis based on user-configurable drivers and assumptions 

• Include projected / forecasted financial statements in the credit analysis process (e.g. ratio calculation, debt maturity profile) 

• Configure any number of projection templates for each spreading template 

Integrate with risk rating models and credit decision workflows 

• Store all financial statement data in a centralised, auditable database, either on-premise or in the cloud 

• Leverage financials as input data for risk rating models and credit decisioning using ACTICO’s solution modules (Credit Risk Rating and Credit Workflow and Origination) 

• Seamlessly integrate with existing workflows and applications using modern and standardised interfaces / APIs 

Get support from credit agents to perform complex steps in the credit risk assessment process: 

• Automatically trigger and perform actions based on events (e.g. start spreading agent, calculate risk rating) 

• Use Large-Language-Models to write risk analysis and summaries (e.g. financial risk profiles, credit memo)