Case Study Banca Esperia


The Banca Popolare di Bari, head of a Group that also includes Cassa di Risparmio di Orvieto, Tercas (Cassa di Risparmio Teramo) and Caripe (Cassa di Risparmio di Pescara), with a network of almost 400 branches located in 13 Italian regions, has chosen the Cedacri Credit Quality Management solution as part of an articulate set of initiatives aimed at reviewing the Credit management processes that are oriented both at updating regulations and satisfying internal commercial and managerial needs. This solution has brought considerable benefits in terms of better portfolio quality visibility and a greater capacity for action in tackling problematic positions.


“We felt various needs with specific reference to monitoring the quality of Credit. Firstly, we wanted to redefine the Credit management models to achieve greater effectiveness, in terms of reducing risk and losses, and efficiency, by reducing the operating cost structures. We also wanted to improve the management of problematic and non-performing loans, with the aim of freeing up capital and limiting economic impacts, by refining the so-called early warning and delinquency management procedures through the use of appropriate tools," said Luigi Jacobini, the Banca Popolare di Bari Deputy General Manager.


“The choice to adopt Cedacri’s Credit Quality Management solution by was dictated by several factors," says Dr. Francesco Nardulli, the Organizational and Quality Resources Division Manager. "It allows us to automate the identification of the positions that need monitoring and all the Credit quality management policies. Furthermore, it enables us segment customers into sub-portfolios, by associating different credit policies to each one and customized management strategies in terms of events, actions and stakeholders. The operators are then given support via differentiated approaches based on their role and portfolio availability which enhance control activities and thus optimize the recovery performance; moreover, the automation of actions based on events facilitates the use of the solution by less experienced operators as well."


In recent years the Banca Popolare di Bari, along with Cedacri’s support, has developed a number of initiatives to streamline Credit management processes: the Electronic Loan was developed and implemented in 2008, then in 2010 the Bridge procedure for monitoring Credit was introduced and in 2013 the monitoring procedures and debt recoveries were reviewed. The Credit Quality Management adoption process was preceded by an analysis of gaps and the Bank’s specific needs with respect to the institute’s standard solution and development of specific functions. The application was then parameterized according to the rules and processes defined by the Bank and, after appropriate usage tests carried out by the users (the so-called UAT - User Acceptance Test), we reached the production stage.


The Credit Quality Management application implementation project now allows the Bank to leverage a solution that is perfectly parameterized with respect to its needs and that is well integrated with internal procedures for handling non-performing loans (PCA - Pratica di Credito Anomalo/Problem Loans File, for managing certain preliminary-authorization procedures, and Laweb 4, for the Collection management).
"The CQM solution integrated perfectly with other Cedacri subsystems already in use internally; an aspect that guaranteed effectiveness and efficiency in data management," said Dr. Luigi Jacobini, the Banca Popolare di Bari Deputy General Manager. "For some time now, Cedacri has been our partner in managing our information systems, and here too we’ve been able to count on the professionalism of its team."