In today’s fast-paced environment, credit operators need to gather timely information into how companies are performing, in order to proactively monitor their portfolios and offer competitive, sustainable products that support businesses.
The EBA guidelines on Loan Origination and Monitoring (LOM) promote evaluation methods that integrate historical and forward-looking views into a forward-looking approach.
The solution
B-Value is a business analysis platform that combines asset, financial, and economic evaluation with insights into a company’s sustainability performance.
Our analytical approach starts with financial indicators and LOM metrics, assessing financial flows from a cash and forward-looking perspective to verify 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.
Our solution provides a forward-looking, dynamic view of a company’s health, whether for existing or potential clients, without overlooking historical data analysis and sector indicators.
With B-Value, you can evaluate stress scenarios based on index sensitivity, attesting the company's ability to withstand potentially adverse market situations.
We support predictive analysis by simulating how a company’s business model would perform in different market trend scenarios, to assess whether future cash flows can sustainably cover debt. Our advanced analysis models are built on industry data and knowledge of the credit process.
We simplify reporting by summarizing business performance over time, supporting both the granting process and periodic check-ups, as well as consulting activities.
ESG Evaluation of Companies Supporting Credit and Compliance
Evaluating companies’ sustainability levels to facilitate access to credit, assessing the taxonomic eligibility of projects to be financed, and contributing data for calculating the Green Asset Ratio of credit institutions.
These are the objectives of ESG Tool, a tool designed for banks to digitalize ESG data from companies of all sizes that supports compliance with evolving European regulations, including standards for SMEs, as well as sustainability reporting under the European CSRD framework.
It also promotes ecological transition projects, aligned with the European taxonomy goals for decarbonization, the expansion of circular economy, and biodiversity protection.
Within the B-Value module suite, we integrate sustainability into economic and financial evaluations to support green lending, contributing to creating sustainable value for the wider region and local communities.
