Scoring is a rating system based on mathematical and statistical methods and assessing the customer's ability to repay the loan on the basis of current credit history. The scoring model is designed to predict risks by giving the borrower an idea of the borrower's ability to repay the loan in the future.
AKB provides its customers with a scoring (individual credit rating) product for each potential borrower to increase their ability to make stable and sustainable decisions.
Benefits of scoring for users:
• Assessing a person's risk behaviors in the decision-making process;
• Assessing the risks of the organization's loan portfolio;
• Trend analysis, risk distribution analysis and periodic portfolio monitoring;
• The AKB score can be used effectively as part of an intra-organizational scoring model.
In the presented scoring model, the scores range from 1 to 800. Individual ratings are formed under the influence of many factors. The five most influential of these factors are:
• No credit history delays;
• Delays in payments for the last three months;
• Number of active loans;
• Monthly debt burden;
• Numerous loan applications.
Score calculation is refused for the following reasons:
EU - There are high delays in an individual's current liabilities.
CC - The person has no active liability in the last 12 months.
TN - The person is very new to assessment.
NC - The person does not have any credit obligations.
TY - The person is under 16 years old.
NU - The person has non-renewable active loans.
LP - It is not intended to give scores to legal entities.