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Information transparancy for lending
Federico Gorgerino, Commercial Manager of the Regional Co-Direction of Turin, UNICREDIT BANCA D’IMPRESA explains how intangibles play an increasing role in the risk assessment of bank lending to companies.
Basel 2 allows each bank to measure the quality of its credits through internal rating. The analysis of indicators such as management leadership, strategic ability and customers satisfaction is fundamental to identify possible business criticality, which could have a negative impact on economic-financial figures. For this reason, together with quantitative indicators (investments, liquidity, profitability, borrowing), Unicredit Group has developed a qualitative analysis through instruments used to collect information concerning the historical evolution of organizations, company structure, competitive situation and managerial abilities. The drawing up of suitable questionnaires determines the applicant classification through the definition of a “qualitative” rating completing the score calculated on statement figures. Read on in the attachment...
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