The Invictus
CAPITAL STACK

Evaluate balance sheet capacity and your bank's profitability

CapitalStack

The Invictus Capital Stack is the first solution to provide risk managers, credit analysts, financial analysts, and the C-Suite a comprehensive shared space to evaluate balance sheet capacity, risk, and profitability. Split into four levels; the capital stack allows for the appropriate deployment of loan-level and capital analytics customized for your bank’s needs.

Capital & Strategy

By projecting your Bank’s financial performance under various economic environments and building atop the other components of the capital stack, your bank can customize your regulatory capital requirements, set concentration limits, and satisfy regulatory requirements.

Useful for:

  • CFO
  • CEO
  • CRO
  • Finance Teams
  • Strategic Planning
The Invictus
CAPITAL STACK
Capital & Strategy
  • FreeCapital™
  • Concentration Policies - InFocus
  • Stress Capital Buffer
The Invictus
CAPITAL STACK
Loan Portfolio Analytics
  • Loan Profitability
  • Loan Pricing
  • PoWER - Climate Risk Analytics
  • PD/LGD ACL Calculation

Loan Portfolio Analytics

This level of the stack focuses on the major earnings asset of Community Banks: the loans. Estimate your CECL ACL, understand loan profitability or establish a loan pricing framework. Answer any question about your bank with Loan Portfolio Analytics.

Useful for:

  • CRO
  • CLO
  • Credit Teams
  • Lending Teams

BankGenome™ Analytics

Compiled from aggregated Community Bank loan data as early as 2005, call report data, and other publicly available data sources use the BankGenome™ database to support critical bank functions by exploring loss histories, prepayment rates, lending practices and other historical information.

Useful for:

  • CRO
  • CLO
  • Credit Teams
  • Lending Teams
The Invictus
CAPITAL STACK
BankGenome™ Analytics
  • CECL - upSCALE
  • Explore the Database
The Invictus
CAPITAL STACK
Loan Level Data
  • Data Validation
  • Relationship Analysis
  • Collateral Analysis

Loan Level Data

Validate your loan level data for use within the Invictus Capital Stack or other analysis. Explore the risk and reward of your most complex relationships and loan structures – from construction loans with large unfunded commitments to covenant-driven C&I loans.

Useful for:

  • CRO
  • CLO
  • Credit Teams
  • Lending Teams