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Financial Statement Spreading and Analysis Software
Accelerate risk assessment and credit decisioning with agentic AI-powered financial statement spreading and analysis.
The Challenge of Financial Statement Spreading
Financial statement spreading is a critical step in commercial and corporate lending, providing the structured financial data needed to assess a borrower’s creditworthiness. As lending volumes grow and financial data becomes increasingly complex, financial institutions are looking for ways to make spreading more efficient, consistent and scalable.
Agentic AI is opening new possibilities. Rather than simply automating individual tasks, AI agents can support the spreading process by extracting and interpreting financial data, applying context and rules, and assisting with analysis — while keeping people in control.
ACTICO combines agentic AI with comprehensive financial spreading and analysis capabilities to help financial institutions improve data quality, reduce manual effort, and turn financial data into actionable information for risk assessment and credit decisioning.
Financial Statement Spreading Powered by Agentic AI
ACTICO brings agentic AI into financial statement spreading, helping automate and support tasks that traditionally require significant manual effort. AI agents can extract and interpret financial information, work with different statement formats, and support the classification and spreading of financial data.
Combined with comprehensive spreading and analysis capabilities, ACTICO enables financial institutions to create a more efficient and scalable process for turning financial statements into structured, decision-ready data.
Human-in-the-loop workflows keep lending teams in control, while traceability provides visibility into how financial data is extracted, interpreted and processed. This allows users to review and validate AI-supported outputs while reducing repetitive manual work.
This helps streamline underwriting, improve data quality and give credit professionals more time to focus on risk assessment and informed decision-making.
Key Capabilities
Automatically extract, interpret and spread financial statement data with AI.
- Intelligent data extraction: Detect and extract relevant financial data from PDF and scanned PDF statements.
- Multi-format and multi-language support: Process financial statements across different formats and languages.
- Automated spreading: Map financial line items to configurable spreading templates and apply your spreading guidelines.
- Human-in-the-loop: Review and validate AI-supported spreading while maintaining control over the process.
Turn spread financial data into meaningful insights for credit analysis and decision-making.
- Review and comment: Review reported financials and add comments directly in the spreading grid.
- Financial ratios: Calculate and analyse key financial ratios using standard or custom spreading templates.
- Trend and common-size analysis: Visualise financial trends and assess changes in financial structure and performance.
- Peer and group analysis: Compare borrowers against industry-, country- or user-defined peer groups and create consolidated statements across connected clients.
Model future financial performance and incorporate projections into credit analysis.
- Financial projections: Create projected financial statements based on historical spreads.
- Scenario analysis: Assess different financial scenarios using configurable drivers and assumptions.
- Credit analysis: Use projected financials in ratio calculations, debt maturity profiles and the broader credit analysis process.
- Flexible templates: Configure multiple projection templates to support different spreading requirements.
Use financial statement data as an input to risk rating and credit decisioning.
- Centralized data: Store financial statement data in a centralized, auditable database, on-premise or in the cloud.
- Risk rating integration: Use financial data as input for risk rating models and credit decisioning.
- Workflow integration: Connect risk assessment with credit workflows and downstream decision processes.
- Open integration: Integrate with existing workflows and applications through standardized interfaces and APIs.
Use AI agents to support complex steps in the credit risk assessment process.
- Event-driven actions: Automatically trigger actions based on events, such as starting financial spreading or calculating a risk rating.
- AI-assisted analysis: Use large language models to generate risk analyses and summaries.
- Credit documentation: Support the creation of financial risk profiles and credit memos.
- Traceable workflows: Maintain visibility and control over AI-supported processes through human-in-the-loop workflows.
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.
How does agentic AI support financial statement spreading and analysis?
ACTICO uses agentic AI to support and automate selected steps in the financial spreading and analysis process. The Spreading Agent can extract and interpret financial information, map data to configurable spreading templates and apply defined spreading guidelines. AI agents can also trigger actions based on events and support the creation of financial risk analyses and summaries.
How do I maintain control and traceability when using agentic AI?
ACTICO supports human-in-the-loop workflows, allowing users to review and validate AI-supported outputs and maintain control over the process. Traceability provides visibility into how financial data is extracted, interpreted and processed, supporting transparency and auditability in the financial spreading and analysis process.
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.
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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