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GDPR Data processing modelCredit risk assessment to define regulatory capital levels and management operations

By: Ludwig Karneth
This processing model relates to the assessment of credit risk to define the level of regulatory capital and management operations in the banking and insurance sector

Purposes (2)

A purpose is the objective pursued by the setting up of your file. It indicates what the processing of personal data will be used for, its purpose. This purpose must be clear and understandable

Definition of the level of regulatory capital corresponding to the level of exposure
Evaluate the credit risk of each customer (natural person) / Develop, periodically check and update the statistical models used to measure the credit risk of natural persons as part of the application of the internal credit risk rating system to retail and professional customers / Calculation of regulatory capital for the Group / Consolidated calculation at Group level / Decision support for granting credit
Legitimate interest
define and implement operations for managing and granting loans according to risk level
Legitimate interest

Data categories (1)

Personal data is any information relating to an identified or identifiable natural person. A natural person can be identified either directly (eg surname and first name) or indirectly (eg phone number, social security number, email or postal address, but also voice or image)

Data required for risk assessment notes

Data details

postal coderequired
Economic situationrequired
Financial situationrequired
Amount of share capitalrequired
Last balance sheet daterequired
Company creation daterequired
NAF coderequired
Company registration numberrequired
Employee Qualityrequired
Economic agent coderequired
Socioprofessional categoryrequired
Professional situationrequired
Family status
Name and surnamerequired

Data conservation rules

Active base:

2 years after the end of the contract

Data subject (1)

A data subject is any person whose data is collected, retained or processed by the data processing. e.g. In a recruitement process, any candidate for a position proposed in recruitement management process

  • Customers

Ludwig Karneth
Ludwig Karneth

Created at:2023-08-08T12:02:43.3160902

Updated on:

License: © Creative commons :
Attribution / Pas d'utilisation commerciale
CC-BY-NC AttributionPas d'utilisation commerciale

Nb using:3

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