Basle II imposed strict regulations relating to loan disbursement. The banking authorities demand detailed information about credit risks which, in turn, determines the bank's regulatory capital requirements. It is therefore all the more important to correctly calculate a borrower's credit rating. zeb/ provides mathematical/statistical, cashflow-based and Basle II-compliant rating and scoring processes for corporate and private customers.
With the help of our customized methods, you can establish your customers' credit rating at any time as the basis for objective and selective credit decisions. We offer you tailor-made solutions for Basle II-compliant rating and scoring.
Our services:
- We provide trusted methods for the precise calculation of regulatory capital requirements.
- We also support you in the process of converting your annual financial statements from the German Commercial Code (HGB) to the International Financial Reporting Standards (IFRS) approach.
- We integrate rating and scoring procedures in automated credit decision systems and processes.