Risk and Credit Management

CRIF has published a special report on “Implementing Calendar Provisioning: rules and impacts” in collaboration with Andrea Resti, CRIF Senior Advisor and Associate Professor at Bocconi University in Milan. The paper aims to provide an in-depth look at the current situation, and at possible future developments in the area of calendar provisioning.

The present special report aims to provide solutions and benchmarks to deal with the consequences of the introduction of the new definition of default.

Strands - a CRIF company specialized in advanced digital banking solutions - takes a close look at why banks should use data to incorporate financial wellbeing into their core strategy.

CRIF’s first position paper on the evolution of credit risk management systems.

The value of alternative data compared to traditional information.

The origin of the blockchain is rooted in the need to allow consumers and suppliers to connect directly, removing the requirement for a third party to exchange virtual currencies such as bitcoin.

Stress test measure a bank’s reaction (in terms of earnings, capital and liquidity) to a hypothetical macroeconomic scenario. The 2018 edition was launched in January and banks are expected to provide their preliminary projections by the end of June. Full results for will be disclosed in November.

This CRIF-SDA Bocconi research edition looks in detail at innovation in the consumer credit market, with the valuable contribution and support of EUROFINAS.

The introduction of forward-looking expectations in the credit risk assessment could give rise to an increase of the provisions’ volatility on banking financial statements.

The impact of the IFRS 9 impairment model on the financial statement will be correlated to the adequacy of the pricing assessment at the time of disbursement.