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BASILEA2 - SCORECARD e RATING

Since the coming into force of the Basle II Accord companies have had to analyse and control their risk and capital management. In fact, one of the main topics in the Basle II Accord is the rating system that banks create for all companies seeking a loan. A company’s rating defines the conditions under which it may access a loan. It is clear that companies using bank loans as a resource will have to adopt analysis tools and apply adequate solutions to obtain a rating that will not penalise them. The company’s corporate culture will have to take account of the new requirements. The support of internal Human Resources or specialist consultants, experts in directional control and financial management, will be essential.

“Automatic mid-year accounts” are fundamental and RDS software has developed the RDS Automatic Mid-year Accounts service which enables companies to automatically obtain mid-year accounts from RDS ERP trial balance sheets, generating data for transfer to RDS Scorecard.

RDS Scorecard is the RDS solution for loan access and allows companies to:

Products in the RDS Scorecard line:

  1. RDS Rate. This product enables companies to obtain a rating on the basis of quantitative and qualitative data. RDS Rate may be used On Demand by anyone wants to self-evaluate their company. The determination and rating assignment becomes a reference point in relationships with financial institutes and stakeholders, i.e.everyone that may have an interest in measuring relationships with the company (suppliers, customers, employees, other actors in the economic system). The evaluation chart, with the intermediate values represented by a plus or minus, is as follows:
    Highly Secure AAA
    Secure AA
    Full Solvency A
    Solvency BBB
    Vulnerability BB
    High Vulnerability B
    Risk CCC
    High Risk CC
    Very High Risk C
    The rating is an evaluation that all credit institutes must give a company after fully analysing its financial soundness and solvency. The final evaluation of a company consists of quantitative, qualitative and trend evaluations.
    The self-evaluation functions regarding access to loans represent an easy-to-use tool for with which to analyse and evaluate a company.
  2. RDS Enterprise Scorecard This product enables companies to obtain a dashboard of the company based on quantitative balance sheet data via the following reports:
    • 2.1 - Financial Condition
    • 2.2 - Financial Condition in percentage value
    • 2.3 - Capital Situation of management competence
    • 2.4 - Capital Situation of management competence average values
    • 2.5 - Capital Situation of management competence invested and capital returns
    • 2.6 - Income statement proportional to production value (to contribution margin) and added value
    • 2.7 - Cash flow analysis, OIC 12 model
    • 2.7 - Balance analysis by indeces (profitability, solidity, liquidity)
    • 2.7 - Benchmark Analysis with ATECO 2002 (positioning according to the relevant category) (*).

The RDS Scorecard module is an ASP (pay per use) service integrated across the entire suite of ERP RDS products. This integrated ASP service can be operated simply through ID Username and Password.

Basilea II Demo per Autovalutazione Basilea 2
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(*) ATECO 2002 was developed by Istat, in collaboration with Public Administration experts involved in the classification of production units and with experts from key economic sectors. The goal is to consider the peculiarities of the Italian productive structure, renewing, with regard to ATECO 1991, “category” level details (5º classification number) and useful for locating relevant activities in Italy. The new classification database includes 883 category titles for economic activities and their respective codes.

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