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Scoring of new and existing customers with very high accuracy. The solution will increase the profit margin by finding good borrowers who have been rejected by other decision processes. The risk is minimized as the solution will, with superior performance, identify high risk applications.

To minimize the risk the bank needs a good scoring system to find the good borrower and a good appraiser to value the security taken for the loan. Is the estimate of the security correct? Mortgage loans constitute the biggest amount for a family and also for the banking system. Who can judge the correct value of a house? Does the price paid represent the true value? Did the buyer win a furious bid race or did he buy from a close friend or a relative? An asset valuation system must be able to judge a fair market price.

When a market with a positive trend suddenly drops the fair market price will also drop so the valuation system must be able to predict a change in the market and also reduce the fair market price even if most of the historical data are much higher.

Will the solidity of the bank change when the securities change in value? How can you get a fair estimate of the aggregated security stock of the bank when you have given loans with securities on a higher level? All price drops on houses are not the same. They depend on the attraction of the house.

The Peltarion asset valuation solution will support you in all these aspects and considerably reduce your business risk.