Benefits:
- Credit Bureau is centralised information system on the national level
- Credit risk and request time significantly reduced
- Reduction of interest rates because of risk reduction
- Increased financial discipline
- Prevents excessive indebtedness
- Credit Bureau is one the fastest provider of this service in Europe
Credit Bureau is a national centralised information system for acquisition and distribution of credit record history for natural persons and legal entities. It allows insight in ongoing solvency of natural persons, legal entities and entrepreneurs. This system significantly lowers processing costs of request for services, increases financial discipline, and minimises risk for creditors.
One more positive effect of this system is that it prevents excessive indebtedness.
- Information collection – Communicates with systems in banks, leasing companies, and other sources to gather information on an individual or company’s credit rating.
- Management – System generates original information and replicates the data for use in other parts of the system. Data on CB users are efficiently managed and protected.
- Reporting – Creates a report using SQL Server Reporting Services. The report template is updated daily.
- Client connections – This includes direct access to CB services and integration of CB reports into existing business applications.
Briefly:
- Analysing client’s ongoing solvency
- Credit scoring
- Settlement of past liabilities
- Introduction of new products
- Credit risk and request time significantly reduced
- Credit Bureau produces 10.000 reports daily for individuals alone.
- Data collection from different core banking systems
- There is more than 3.200 system users and trained counter staff issued with certificates and smart cards
- It currently has 1.9 million registered borrowers, and each one has used the system at least once
References:
- Association of Serbian Banks
- AIK Banka, Niš RS
- Alpha Bank, Beograd RS
- Banca Intesa, Beograd RS
- Banka Poštanska Štedionica, Beograd RS
- Credit Agricole Srbija, Beograd RS
- Čačanska Banka, Čačak RS
- Dunav Banka, Beograd RS
- Erste Banka, Novi Sad RS
- Eurobank, Beograd RS
- Findoestic Banka, Beograd RS
- Hypo Alpe-Adria Bank, Beograd RS
- JUBMES Banka, Beograd RS
- KBC Banka, Beograd RS
- KBM Banka, Kragujevac RS
- Komercijalna Banka, Beograd RS
- Marfin Bank, Beograd RS
- NLB Banka, Beograd RS
- Opportunity Bank, Novi Sad RS
- OTP Banka Srbija, Novi Sad RS
- Pireus Bank, Beograd RS
- Procredit Bank, Beograd RS
- Raiffeisen Bank, Beograd RS
- Sberbank Srbija, Beograd RS
- Societe Generale Banka Srbija, Beograd RS
- Srpska Banka, Beograd RS
- Unicredit Bank Srbija, Beograd RS
- Vojvođanska Banka, Novi Sad RS
- VTB Banka, Beograd RS
- CA Leasing Srbija, Beograd RS
- ERB Leasing, Beograd RS
- Hypo-Alpe Adria Leasing, Beograd RS
- Intesa Leasing, Beograd RS
- Lipaks, Beograd RS
- NBG Leasing, Beograd RS
- NLB Leasing, Beograd RS
- Pireus Leasing, Beograd RS
- Porsche Leasing SCG, Beograd RS
- Procredit Leasing, Beograd RS
- Raiffeisen Leasing, Beograd RS
- S-Leasing, Beograd RS
- Sogelease Srbija, Beograd RS
- Unicredit Leasing Srbija, Beograd RS
- VB Leasing, Beograd RS
- Zastava Istrabenz Lizing, Beograd RS
- Telekom Srbija, Beograd RS
- Telenor, Beograd RS
- VIP mobile, Beograd RS