Financial Statement Spreading and Analysis Software
Accelerate risk assessment and credit decisioning by using an intelligent and comprehensive financial spreading solution.
Financial Statement Spreading
What you gain with financial statement analysis software
Flexibility
Leverage built-in spreading templates and flexibly create custom templates
Faster Spreads
Increase the efficiency and accuracy by automating manual data entry
Consistency
Ensure consistency, improve data quality and minimize errors
Comprehensive financial statement spreading and analysis for enhanced risk assessment
Capturing and spreading financial statements and calculating financial ratios for credit risk assessment are key processes in commercial lending. These can be time intensive processes and lead to lengthy underwriting and processing times.
ACTICO transforms the process of spreading financials. It offers the unique possibility of combining an automated application to extract data from financial statements with a comprehensive feature set for spreading and analysis of financial statement data. This allows financial institutions to streamline the underwriting processes, increase efficiencies, and improve data quality.
Automate financial spreading
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
Analyse financials
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)
Create projections
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
Calculate risk ratings
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
Leverage Agentic AI
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)
FAQ
Financial statement analysis – frequently asked questions
What sources of financial statement data are available?
Financial statement data can be sourced from a variety of internal and external data sources. The ACTICO Spreading Agent for example automatically extracts financial information from comprehensive financial documents. Sometimes, customers also want to manually capture financials via the web UI or import the data from existing internal or external systems and tools.
Can I create my own spreading template?
Yes, the Credit Risk Platform provides a spreading template editor to define custom spreading templates. This includes the chart of accounts and all derived / calculated values and ratios. The spreading template can also contain spreading guidelines which help the ACTICO Spreading Agent to spread and map the data from source documents.
Can I create my own projection template?
Yes, the projection template must be aligned with the different spreading templates. In a projection template, administrators can define the list of drivers, driver types and create custom formulas to be applied during the projection. When doing a projection as a financial analyst, users can capture key assumptions for all risk drivers.
What accounting standards does the tool support?
The solution is agnostic to the accounting standards used by the reporting companies. Both, the spreading templates and the mapping rules for automated spreading can configured as per the bank’s spreading guidelines.
We already have a spreading tool, what additional value does the Credit Risk Platform provide?
The Credit Risk Platform can import financial statements data from existing legacy systems. After importing the financials in the CRP, users can perform comprehensive financial statement analysis, such as trend, sensitivity and peer group analysis.
Credit Risk Platform
Discover the full suite of the Credit Risk Platform’s capabilities.