WHY WE’RE DIFFERENT

We provide a true forward-looking and predictive stress test analysis - Our patent-pending ICAM™ stress testing methodology effectively mirrors how a bank would perform under stress. It recognizes the consequences of stress, given the specifics of its current loan portfolio and other factors. It is NOT an econometric exercise dependent on historical statistics.

We focus on the assets and balance sheet - By intelligently understanding how the assets on a bank’s balance sheet will behave under certain levels of stress, and by integrating a variety of risk factors and data sources, we can predict the expected change of a bank’s assets and liabilities and the resulting impact to capital adequacy, provisioning, earnings and multiple other key performance metrics. Traditional analytical techniques that focus on P&L driven analyses inevitably fall short.

We analyze and rate every bank in the U.S. - We evaluate all 7,500+ FDIC-insured banks on a continuous basis, using only publicly available data and our proprietary ICAM™ Stress Testing Methodology. The result is an “apples to apples” assessment, allowing us to rate and rank every U.S. bank and provide realistic forward-looking competitive comparisons at multiple market levels.

Top-Down approach - We employ a top-down approach which permits highly efficient and “clean” results. Trying to take an individual loan level “bottom-up” approach to stress testing is not only time-consuming, but also exists in its own vacuum. The top down approach combined with our ability to stress every bank in the country orients a bank’s strategy firmly in its competitive environment.

We can perform the same in-depth analysis on banks globally – Providing we can access similar granularity of publicly available data, we can perform the same analysis on any region’s banks – and we’re starting to do so in Europe and the Americas outside the US.

Increased precision with customized bank data - When we work directly with a bank client, an even greater level of depth and precision can be achieved, providing the executive management and board with a tremendously powerful strategic tool that can be employed both proactively and in defense of its current competitive position. By assisting the bank in minimizing Mandatory Regulatory Capital (MRC™) and maximizing Unrestricted Bank Capital (UBC™), we can help the bank have more capital available for deployment into lending assets, thus increasing return on capital.

Recognition and use by regulators - The Invictus System has been vetted by virtually every level of U.S. and state regulatory agencies for the quality of the methodology and the accuracy of its results. Many have adopted it as their own best-practices standard. No other organization can make this claim for a stress testing system.

Click the button below for a more detailed discussion of the ICAM model.