Expected Loss
This is the second chapter of our credit risk series where we introduce you to Expected Loss, which quantifies the average credit losses a lender expects over time and serves as a foundation for sound credit risk management. We break down the EL formula, illustrate its application with real-world scenarios, to enable you understand risk variability through Unexpected Loss.
Quantifying Credit Risk
This is the first chapter of our credit risk series where we introduce you to the core components for quantifying credit risk, which are Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD). We explain how these variables enable precise measurement of potential losses and provide a data-driven foundation for smarter credit decisions.
Credit Risk Concepts: Introduction
Welcome to this series of the credit risk concepts where we explore key quantitative techniques that support pricing, capital planning, and performance measurement, simplifying core elements like PD, LGD, and EAD for practical use in lending institutions.
AI and the Future of Banking
AI is rapidly transforming SME banking, shifting from hype to real impact by driving faster decisions, personalized insights, and proactive risk management. Banks that balance innovation with trust, strategy, and data-driven foundations will be best positioned to turn AI into lasting competitive advantage.
What SWOT Analysis Really Tells You About SME Borrowers
SWOT analysis helps lenders look at SME borrowers beyond just their bank statements. It highlights what a business is good at, where it struggles, the opportunities it can tap into, and the risks that could threaten its growth.
Q-Lana: Steering Financial Institutions with Advanced Features
Many financial institutions struggle with fragmented systems and incomplete data when managing risks, returns, and customer relationships. Q-Lana addresses this by unifying data, embedding risk analytics, and offering advisory support—transforming loan management into a holistic steering instrument for sustainable growth.
SME-Focused Bank Branding
SME-Focused Bank Branding goes beyond marketing. It is the authentic reflection of a bank’s values and commitment to entrepreneurs. By aligning positioning, visuals, internal culture, and technology, banks can turn empty slogans into lasting SME trust.
Building SME-Centric Ecosystems: From Transactions to Transformation
SME banking is shifting from standardized transactions to ecosystem-driven solutions. Building SME-centric ecosystems means combining personalization, data, and partnerships to deliver smarter, more holistic services that support growth and resilience.
Risk Sharing Concept
The concept of risk sharing is crucial for the financial institutions’ business model, involving collaboration with funding providers or managers to mitigate loan exposure risks. Serving SMEs requires specific understanding and relationship building, and successful financial institutions excel in customer-centricity and risk management.
The Q-Lana Platform
Now, it’s time to introduce the solution that is helping financial institutions put into practice, the ideas we have been sharing throughout this blog series. The Q-Lana Platform is a comprehensive digital solution designed for financial institutions and asset managers.