Comarch Rating System

The basic aim of the Comarch Rating System is to classify customer or transaction risk by setting a rating. Quantitative and qualitative indicators reflecting the economic situation of the entity are calculated on the basis of the data entered into the system via the appropriate forms.

The Comarch Rating System enables performing additional operations related to measurement and credit risk management. Based on a fixed rating the system allows calculating the necessary limits and sub-limits. The rating simulation module facilitates performing what-if analysis – it is possible to examine the impact of economic events on the change in the financial situation of customers, thus aiding the task of managing the credit portfolio. A wide range of reports possible for definition within a system supports the reduction of credit risk at the level of the entire financial institution.

Business and operational benefits:

• Improved financial credibility assessments – rating policy is precisely defined and automatically activated meaning better quality of ongoing assessments and reduced risk of becoming involved with unreliable institutions,
• Time and cost savings – decision-making time is cut because the results are easily interpreted and a recommended decision is produced that is adjusted to the risk assessment model implemented,
• Better quality credit portfolio – the principles for assessing financial credibility are made uniform meaning more objective and neutral decisions,
• Basel II Compliance – the Comarch Rating System supports activities conducted according to New Capital Accord guidelines,
• Wide range of tasks – apart from rating setting the application allows calculating credit limits, making simulations of the performance rating and supporting credit portfolio management,
• IT costs reduction – the use of modern technology to control the system increases application productivity and matches the system to the existing hardware infrastructure.

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• IT solutions for Banking - leaflet