Our Products and Services Include:

• Research and Investment Analytics
• Regulatory Analytical Support
• Stress Testing
• D & O Insurance Analytics
• Advisory / Investment Banking Services
• Risk Management Advisory Services
• Litigation Support and Defenses

Research and Investment Analytics

• The Invictus approach creates a completely new paradigm in the analysis of bank financial conditions, their earnings potential, and regulatory capital. Using the ICAM methodology and publicly reported data, Invictus can identify potential capital shortfalls (or strengths) among targeted banks and provide the ability to rate them according to their likely performance.
• The ICAM model accelerates due diligence in an investment or acquisition scenario and provides the ability to structure transactions based on a more realistic appraisal of true bank value.

Regulatory Analytical Support

• Stress testing and analytical support to state and federal regulatory agencies.
• Triage of target banks.
• Support of state regulators’ efforts to identify sustainability risks and potential solutions for banks within their jurisdictions.
• Identification of banks’ points of maximum stress on capital and, in extreme cases of stress, their "Points of No Return."
• Identification of the amount of predicted regulatory capital impairment, giving examiners the ability to focus on banks in need of timely attention.
• Providing examiners the ability to update bank profiles with the latest bank data, and to gauge different outcomes for the bank based on the use of different hypothetical scenarios.
  

Stress Testing

• Comprehensive, forward-looking stress testing, which analyzes the net cumulative effect of changes in various asset classes in a manner that predicts the banks’ capital impairments (or strengths) during an on-going recessionary period.
  
• Shows the overall impact of stresses on the entire balance sheet.
  
• Decomposes impact by line item detail and by stress category (e.g. unemployment, economic conditions, interest rates, etc.) to pinpoint specific risk weaknesses.
  
• Allows for the testing of changed outcomes through different scenario assumptions.
• Identification of curative measures and their likely impact on regulatory capital.
• Analysis of potential acquisitions and the impact on the acquirer’s capital levels.
  

D & O Insurance Analytics

• Portfolio Analysis to segment the insurers portfolio by risk category and potentially create a ‘watch list’ of insured banks for special underwriting actions.
• Portfolio Management, providing periodic reviews of banks by category (for example, by geography, size, demographics, and asset classes) and more detailed analyses prior to renewal or other significant events.
• Business Development analytics designed to target better risk class prospects.
• Litigation & Claims Management to provide an additional level of Due Diligence and the development of a ‘defensible position’ on both a proactive and reactive bases to client banks subject to litigation.
• Allows underwriters to adjust various inputs to create a range of scenarios and play "what if" games.

Advisory / Investment Banking services

With the ICAM model at the core of its analytical work, Invictus provides high quality investment banking services to banks, hedge funds and private equity funds.

• Funding Strategies for Raising Capital, including evaluating funding options and their impact on the institution’s regulatory capital requirements. Helps conduct capital raises as a primary or secondary participant.
• Disposition of Assets or Business Lines. This includes both conducting the discreet sale of assets and assessing the impact of proposed sales on the institution’s capital.
• Merger and Acquisition advisory services.
• Valuations and fairness opinions of proposed sales or acquisitions, considering the pro-forma capital and cash flow scenarios using the ICAM methodology combined with traditional valuation analyses.
  

Risk Management Advisory Services

• Risk Management Committee Analytical Support. By incorporating the ICAM methodology and other analytical tools, Invictus can provide an unprecedented level of risk analysis to help provide the due diligence required to meet regulatory requirements, D&O insurer requirements, and fulfill fiduciary responsibilities.
• Establishing or Revising Bank Risk Management Committees. Invictus can help a bank create a new Board Level Risk Management Committee or update the standards of a bank’s existing Committee to ensure compliance with regulatory and D&O insurance requirements. The Invictus methodology will assist the Board Risk Committee in the design and presentation of materials for meetings with regulators. Invictus can help boards of directors achieve a greater degree of control and understanding about what is happening inside the bank.

Lawsuit Defense

• Preventive Measures. The Invictus ICAM methodology identifies "predictable exposures," thus protecting the bank from investor claims of failure of fiduciary responsibility.
• Litigation Defense. Invictus works with D&O insurers and defense counsel to counter unfounded claims and prepare potential defenses.