In a constantly accelerating context, credit operators need to gather information on the performance of companies to proactively monitor their entrusted portfolios and offer competitive and sustainable products to support businesses.
The EBA guidelines on loan origination and monitoring (LOM) push towards evaluation methods capable of integrating historical and forward-looking views into a forward-looking approach.
The solution
B-Value is the platform for business analysis that combines the evaluation of asset, financial, and economic dimensions with visibility on the sustainability performance of the company.
An analytical approach that starts from financial indicators and LOM metrics, assessing financial flows from a cash and forward-looking perspective, to verify the companies' ability to repay debt over time.
We support you in credit granting and monitoring activities through metrics and alert indicators to provide early warning signals on business performance.
We enhance the evaluation of a company’s health (client or potential client) with a forward-looking/dynamic approach, without neglecting historical data analysis and sector indicators.
With the B-Value platform, you can evaluate stress scenarios on index sensitivity, verifying the company's ability to withstand potentially adverse industry situations.
We provide support for predictive analysis, simulating the projection of the company's business model in various market trend scenarios, to verify the sustainability of the forward-looking cash flows to cover debt. We study and design advanced analysis models, based on sector data and knowledge of the credit process.
We simplify reporting by summarizing the company's performance over time, serving the granting process and periodic check-ups of businesses, also supporting consultancy activities.
ESG evaluation of companies to support credit and compliance
Perform an evaluation of the sustainability level of companies for access to credit, assess the taxonomic eligibility of projects to be financed, and contribute data for calculating the Green Asset Ratio of credit institutions.
These are the objectives of ESG Tool, a tool designed for banks to digitalize the collection of ESG data from companies of all sizes, within a path toward European regulations that include standards for SMEs and sustainability reporting in the context of the European CSRD.
Support for promoting ecological transition projects, aligned with the European taxonomy goals for decarbonization, circular economy expansion, and biodiversity protection.
Within the B-Value suite of modules, we integrate sustainability alongside economic and financial evaluation to support credit granting for green projects, contributing to creating sustainable value for the territory and communities.
