CREDIT RISK MANAGEMENT SERVICES

As your Credit Risk Management partner, we provide you with expertise and insights to confidently assess risks and make informed decisions about potential business transactions. D&B manages worldwide commercial database with information on more than 120 million companies, gathered in 214 countries, in 95 languages or dialects, covering 181 monetary currencies. The database is refreshed one million times a day as part of our commitment to provide accurate and comprehensive information. For Banking industry To ensure the credit you are considering to give to your client/debtors are credit worthiness. It is important to check the business partner of your client especially who resides and operates overseas. With more information you can make decision more confidently (risk management practice). For Exporters Not only to your new business partner the importance of credit risk check, i.e. to reduce bad debts, but also to your existing clients due to their dynamism, i.e. increasing/decreasing credit amount and terms of payment.

Credit Reports 1.Business Information Report (BIR) - for evaluating of medium to high value business transactions.
As mentioned earlier, D&B Indonesia will assist you by providing information about your overseas business partner in a form of Business Information Report (BIR). BIR is the most popular Dun & Bradstreet product. It is available on 120 millions of companies worldwide. It attempts to help improve your understanding of a prospective client by providing you the answered below questions : Will my clients pay, and when ? Is my prospect well established ? What is the level of risk associated with my prospect ? How is my customer compared with his peer group ? Has the financial condition and stability of my customer changed ? BIR is a source of verification, helping you assess the credit risk of any company thus reducing bad debts. For sound credit decisions, we offer you up to date, in depth information and exclusive risk indicator scores. BIR can help you to turn information into insight to develop conclusive, fact-based strategies to gain a competitive edge and transform your enterprises into a nimble, customer-focused, more profitable business and accelerate cash flow to grow your business. You will be more confident in taking decision of: To approve or reject lending applicants, Setting or adjusting credit lines, To evaluate large or problem accounts.

Content of BIR covers following aspects: Company Summary : check address, line of business, year started & rating.

Wisma Standard Chartered Bank, Level 23B. Jl. Jend. Sudirman Kav. 33A. Jakarta 10220 Indonesia Tel. (62-21) 579-00979 Fax: (62-21) 579-00938 www.dnb.co.id

Payment experience : measure how a company is paying its suppliers. * Banking information : check a companys banking relationships. Finance : determine if a company is profitable and stable * History : find out if company is in capable hands. Operation : confirm what a company does, where it does, and its product and services. Special events : be warned of adverse circumstances that could impact your business. Corporate structure : see how a company fits into its corporate structure. Public Record Information * : be sure that a company is free of legal entanglements.

* Most of US, Canada, Western Europe countries, Australia reports provide this aspect.

2.Comprehensive Report** - for evaluating of high value business transactions.

It offers an in-depth view of a companys financial position, scores and analysis not found in Business Information Report : Identify companies that may be undergoing financial stress. Use Business Ratios to help make sure a company has enough assets to pay you. Compare a company to others in the same industry locally or across the border. Look into the business background of company's owners. Look at how many times a company has moved and where-and even how well it functioned under natural disasters or fires.

** Applicable in certain countries. Please check to our Account Manager.

3.Company Self-Rating - we can also provide you with self-rating in form of BIR.
NOTE : Financial statements and other criteria is required

For more information please contact our Account Managers.

Wisma Standard Chartered Bank, Level 23B. Jl. Jend. Sudirman Kav. 33A. Jakarta 10220 Indonesia Tel. (62-21) 579-00979 Fax: (62-21) 579-00938 www.dnb.co.id