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CREDIT RISK ANALYTICS

  • INNOVATIVE & PATENTED
  • INTUITIVE
  • EVIDENCE BASED
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GE Money
Allied Irish Bank
Bank of Ireland

CREDITEXPO ETHOS

Risk Transparency
Effective Management
Profit Maximisation

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OUR SERVICES

Credit Risk Analytics

This is Credit Expo’s primary and most popular product. It is mathematically constructed and actuarially informed to measure and thereby manage the lender’s retail loan portfolio. The new international reporting regulations, IASB 9 and FASB represent a radical shift from the Incurred Loss Model to the Expected Loss Model, for loss provisioning.
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Credit Risk Analytics

OUR SERVICES

Mortgage Profitability

EYC Analytics is a methodology and software suite for analysing and differentiating the lender’s Mortgage Loan Portfolio into its various constituents, to facilitate measurement and tracking of its segmented income, costs and net profitability. This analysis is required under IFRS 9 for regulatory compliance.
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Mortgage Profitability

OUR SERVICES

Risk Consultancy

Credit Expo’s consulting services straddle four important areas of finance and banking: Credit Risk Analytics (CRA), Effective Yield Calculator (EYC) Analytics, The Currency Manager, an important treasury service, and Feasibility studies for Banks, Building Societies and the League of Credit Unions
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Risk Consultancy

OUR SERVICES

IFRS 9 Compliance

The US Credit Reporting Regulations for retail credit Risk are known as FASB (also CECL), to come into effect in January 2020. The European Regulations are IASB, and they will become effective earlier, in January 2018. To avoid regulatory arbitrage, both IASB and FASB have the same requirements and both reference IFRS 9.
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IFRS 9 Compliance