The global banking industry is under unprecedented strain, and since the 2008 financial crisis is in uncharted territory. Banks everywhere require hefty capital injections. Capital used to be cheap and readily available -- now it is expensive or not available at all. Earnings by banks are likely to remain under pressure over the new few years. Many banks need to consolidate to survive. Traditional tools for analysing bank performance and future capital simply do not work. Invictus offers something different.
The Invictus Consulting Group delivers the most accurate, insightful and accessible bank analytics and consultancy services to the financial services sector. We use our patent-pending Invictus Capital Assessment Model™ (ICAM™) to analyse bank balance sheets, to stress test bank capital. Our LoanLayering™ system gives an accurate estimate of roll-off, revenue contribution by loan category, and potential future earnings. The results feed into our public data bank stress tests, pro forma balance sheet and income statement projected forward, customised bank stress tests, D&O insurance reports, investor analysis, and other products.
For 7000+ FDIC-insured banks we produce analytics that facilitate individual and relative analysis of bank capital adequacy, pro forma performance, and calculations of Free Capital.
Invictus Consulting Group is the only stress testing provider with more than five years of hands-on experience with U.S. banks and bank regulators. Our bank clients have a 100 percent success rate when using our reports to defend their strategic plans and capital levels to regulators.
Bank Insights -- our inaugural newsletter with articles on stress testing and strategic planning, and sector news.
CFA Institute interviews Invictus CEO Kamal MustafaMr Mustafa discusses Basel III, credit ratings and ratings agencies, the importance of loan vintage, current health of banks. Invictus “provides one of the first legitimate alternatives to the credit rating agencies,” says Jason Voss, director of content for the CFA Institute. (8 April 2012, 18 minutes)
White Paper -- Risk Management – The New “Dark Cloud” in Bank Regulation Has a Silver Lining
White Paper -- Free Capital: the new metric for bank viability
"The Invictus Consulting Group strategically developed a customized stress test for our community bank. Their analysis indicates the potential impact on our bank's capital given various degrees of adverse economic outcomes. We have implemented their stress test in our Enterprise Risk Manager Program and it is used in our bank's strategic capital plans. Invictus has been very diligent researching and preparing customized assumptions for our market. Their stress test analysis includes a topline board presentation highlighting key points and recommendations, as well as detailed exhibits. As a $200 million community bank, our regulators have been quite satisfied with the level of in-depth analysis provided by the Invictus stress test."
