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With SAS®, Banca delle Marche creates integrated credit risk analysis environment


MILAN - Using SAS Credit Scoring for Banking, Banca delle Marche is internally creating, managing and deploying credit risk scorecards across the group, benefiting both the IT and risk management departments. Banca delle Marche, a pillar of Italy’s banking community and among the 30 largest Italian banks, developed the integrated analysis environment for credit risk with SAS, the leader in business analytics software and services.

“We wanted a single solution for building our own credit scorecards in-house, partnering with IT Management to release into the operational environment,” explained Michele Curina, Area Capital Management Manager of Banca delle Marche.

Giving business users direct access to data protected and certified by IT Management was important to Aurelio Giacomelli, Operation Manager of Banca delle Marche. “Now, the bank’s technical and organizational structures can share objectives for credit scoring,” said Giacomelli. “In addition, the solution’s components are fully integrated with the mainframe, which helps management to better distribute project assignments among multiple parties.”

"The SAS solution is key to meeting and advancing the increasingly complex credit risk assessment needs of the Banca Marche group,” said Massimo Bianconi, General Director of Banca delle Marche.

SAS Credit Scoring for Banking excels at streamlining the process of developing and implementing credit scoring models and ratings. It offers a fully integrated in-house solution covering scorecard development, monitoring, deployment and back testing, including the laboratory platform expansion.

With SAS Credit Scoring for Banking, Banca delle Marche has structured the entire development of internal credit risk rating for its corporate, retail and construction sector counterparts. A dedicated model for small business counterparts is being currently developed. The solution can concurrently develop and test “challenger” credit risk scorecards while running “champion” scorecards in production. The solution also includes the ability to develop, deploy and manage models to estimate loss given default (LGD) and exposure at default (EAD).

Banca delle Marche was established in 1994 from the merger of Cassa di Risparmio di Pesaro, di Macerata and di Jesi, three savings banks totalling more than 150 years of activity in their respective regions. Since its founding, the bank has aimed to be the primary bank for the region and to expand beyond regional boundaries. In a period of dramatic changes in society, Banca delle Marche grew, consolidated its activities, took up new challenges and supported not only economic initiatives but also cultural and social events in the Marche region.

About SAS
SAS is the leader in business analytics software and services, and the largest independent vendor in the business intelligence market. Through innovative solutions delivered within an integrated framework, SAS helps customers at more than 45,000 sites improve performance and deliver value by making better decisions faster. Since 1976 SAS has been giving customers around the world The Power to Know® .


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