Using short and long-term indicators of stress to more accurately…
Throughout 2020 both small businesses and companies that support them have been hit hard by the impact of Covid-19. At Experian we have focused on what insight we have available to best support these...
IFRS 9 Impairment explained: Challenges and solutions for 2021 and…
Replacing IAS 39, IFRS 9 financial instruments is an international accounting standard that has introduced a raft of measures that govern how Expected Credit Losses (ECLs) should be calculated and...
How to protect commercial lending portfolios in fast-changing business and…
Over the course of 2020, the UK has seen unprecedented times with countless businesses closing and several services being no longer required. The market changes we’ve seen has brought the impact of...
Experian celebrates awards at Credit Festival
Throughout November, the Credit Festival will host a number of award programmes to celebrate outstanding achievements across multiple sectors. Experian are delighted to have won the following awards:...
2020: A year of seismic change
Applying what we’ve learnt to credit risk strategies In the months since the Coronavirus first hit the headlines we’ve seen and experienced seismic shifts in the way we live, work and spend....
An economic review: Six months on – looking back to…
A reflection of 4 key performance indicators The last six months have been unprecedented by any measure. We’ve seen entire economies locked down overnight. Governments have been forced to provide...
Lending with Confidence: A Data-Led Analysis of the Mortgage Market
The UK’s property market jolted back into life this summer after an enforced quiet period during the COVID-19 lockdown. Mortgage applications in recent months have been significantly above the...
Delphi scores amidst a volatile economy
The Covid 19 containment phase has led to the deepest recession in UK history with the worst impacts yet to be seen due to the furlough scheme and emergency payment holidays (EPH). As these...
Scenario modelling, stress testing and IFRS 9 – updating in…
Relevant scenario modelling In today’s world, we need to be more forward thinking than ever and the current climate, which none of us could have predicted, has meant scenarios led purely by macro...
How can you quickly understand what the pandemic means for…
Nearly every business has felt the impact of the market or economic reaction to Covid-19. Some businesses are seeing these impacts as a short to mid-term challenge whereas others see their entire...
How do I determine, or identify, who to lend what…
Balancing lending terms can be a complex calculation. Get the mix right and it can be rewarding for both you as an organisation, and your customer. As time changes, so does business appetite and...
The impact of income shock on consumers
As the effects of the COVID-19 pandemic ripple through the UK economy, income shock is felt by a significant proportion of the population. Business closures, job losses and massive income uncertainty...