Regulators

Designed for use by U.S. state regulators, the State Invictus Bank Intelligence List (SIBIL™) ranks and rates all banks in the country according to their post-stress sustainability. SIBIL provides triage reports of all banks in your state, and individual, post-stress analyses of all banks. These reports give regulators the capability to compare all banks within the state, see trends and track changes, and drill down to individual bank SIBIL analyses. The Invictus SIBIL reports are created by applying publicly available bank data to the ICAM stress-test model. Reports are delivered via our secure web server.

SIBIL reports are used by state regulatory professionals to:

  • Obtain a ‘top-down’ picture of the health and changes of the state’s banks.
  • Track the performance and asset quality of a portfolio of banks.
  • Compare banks across the state or on a national and regional basis, quarter to quarter.
  • Review portfolio performance, individual examiner performance and workload.
  • Monitor individual bank performance over time.
  • Examine what might or could occur versus what has happened.
  • Prioritize the use of limited field examination resources.
  • Focus attention on specific bank issues during examinations.
  • Conduct ‘in-house’ reviews of banks between field examinations.
  • Act as a catalyst for discussion at the start and completion of the examination.
  • Act as an objective, unbiased, third party source to point out issues and their effects under a hypothetical yet realistic scenario.

SIBIL reports tell banking regulators:

In the Triage Report:

  • The SIBIL rating of all banks in the state by category (1-5).
  • The predicted changes in bank tier one capital, over the next two years, with and without the expected contribution of earnings.
  • The effects ‘secondary factors which include, among others, issues of bank size, accounting changes, ownership and access to capital (public vs. privately held), equity distributions, market liquidity and management control.

Click here to see a sample Triage Report


In the SIBIL Report, in addition to the information contained in the Triage Report:

  • The contribution to decline in tier one capital by loan portfolio.
  • Post-stress, bank capital changes, over time.
  • The variance between reported and SIBIL projected capital levels.
  • Reserves and earnings changes, post-stress.
  • The relative risk of the bank’s liability structure.
  • Real estate and maturities exposure.
  • Post stress pre-provision earnings.
  • Asset deployment trends.

View a sample SIBIL Report