Risk and Credit Management
New criteria for default identification 2020
The present special report aims to provide solutions and benchmarks to deal with the consequences of the introduction of the new definition of default.
AI-Driven PFM: The Heart of Digital Banking
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.
COVID19 and bank loans in Europe
CRIF’s first position paper on the evolution of credit risk management systems.
The evolution of relationship management and creditworthiness assessment models
The value of alternative data compared to traditional information.
What is “a Blockchain”?
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.
The 2018 stress tests and IFRS 9: How will traditional banks be affected?
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.
CRIF–SDA Bocconi: Innovations in Consumer Lending
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 impact of forward-looking assessments provided by the IFRS9 on credit portfolios
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.
Credit pricing in the light of IFRS 9 regulations
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.
Simulation of the impacts of IFRS 9
Quantification of the increase in provisions for loans to Italian private individuals and SMEs.