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Thematic Area:

Risk, Governance & Regulation

Duration:            

2018 - 2019

Client:                

Deutsche Investitions- und Entwicklungsgesellschaft mbH (DEG)

Region:             

Asia

Country Coverage:           

Philippines

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.

Scoring-model---Philippines.png

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.