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Banking Industry Solutions

What We Offer

We have developed separate risk rating systems for SME and corporate customers to address all the challenges listed above. Having an accurate estimate of PD is important so that banks can improve the balance between risks assumed and pricing, more effectively use their capital, and also address the changing regulatory scenario. Some banks have attempted to address these issues with stopgap measures such as splitting the existing risk grades subjectively or separating collateral effects and risk ratings. These approaches are not considered as the best practices of credit risk management or the BASEL II Advanced Internal Ratings Based Benefits of Credit Scoring (Obligor Default Rating).