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Thematic Area:

Risk, Governance & Regulation


2018 - 2019


Deutsche Investitions- und Entwicklungsgesellschaft mbH (DEG)



Country Coverage:           


Project Overview

The main objective of this Project is to support a commercial bank in the Philippines develop a statistical scoring model to reduce the level of human input in the credit process and ultimately make it possible to automatically underwrite and approve loans below a certain amount.

The Project also aims to support the implementation of provision calculation in accordance to IFRS9 requirements.

In this Project, Frankfurt School (FS) experts supported the Bank by conducting a feasibility assessment and data environment review. Afterwards, FS aided the Bank in the development, integration and implementation of statistical credit scoring model.


The introduction of credit scoring has positively impacted the Bank in various aspects including:

  • Enhancing the loan underwriting process and decision making;
  • Improving the credit process optimisation;
  • Supporting loan provisions calculations under IFRS9; and,
  • Driving the implementation of risk based pricing.