Our customer success story

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Medium size Bank in Italy investing in securitization transactions

Italian medium size commercial bank investing across different securitization vehicles (SPVs) in invoice trading, SME loans, PA receivables and NPL portfolios

Main challenges

  • Calculate concentration statistics across 10+ securitization vehicles
  • Monitor contractual limits and covenants
  • Digitalize the internal reporting processes
  • Calculate regulatory capital (RWA) for every securitization vehicle
  • Produce STS (Simple, Transparent, and Standardized) of ESMA (European Securities and Markets Authority)

The solution

    • Using Cardo AI modern architecture of Equalizer, the bank was able to onboard €1mn+ of detailed loan data in only 80 seconds
    • Eliminated calculation errors and reduced by 5% its RWA (regulatory capital requirements)

    • Drill down functionality for every investment line across SPVs and advanced filtering allowed the client to access all statistics and performance metrics in 0.2 seconds. Before Cardo AI, analysts spent 3 days to calculate the exposure on a single name level

    • Automatic generation of securitization transparency reports, complying with ESMA Regulation (European Securitization and Markets Authority)

The Results

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