An RBP model is the natural outgrowth of an accept/reject model and translates a customer rating score into a formula (loan term, interest rate, LTV) capable of guaranteeing adequate returns for the bank.

Incorporated into the bank’s operating framework, the RBP model is an ideal support to supply-side strategies which combines profit objectives with traditional risk management policies.

An innovative solution for the Italian mortgage market, the RBP model offers significant advantages, such as:

• consistency with risk control policies
• assessment of profitability for both active
• credits and new acquisitions
• low impact on your IT systems
• support in securitization deals.