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The performance evaluation takes the form of monitoring carried out by the bank on the relationships that the company maintains:

  • With the banking system (information obtained from the Central Credit Register).

  • With the same lending bank (information obtained by verifying internal data).

  • Based on the description on the Bank of Italy's website, the Central Risks Center (CR) is defined as an "information system on customer indebtedness towards banks and financial companies"; in essence it is an enormous database into which the information transmitted by each financial intermediary regarding credits towards its customers exceeding €30,000.00 flows every month. On the other hand, the Bank of Italy provides intermediaries with information on each customer's total debt to the credit system month by month.

    The information extracted from the Risk Centre, on a monthly basis, is then integrated by the bank through the detailed analysis of internal data, updated practically on a daily basis, in such a way as to create a sort of complementarity with the information from the CR in order to trace a complete risk profile relating to the entrusted subject.

    All this is accompanied by the assistance provided to the customer in evaluating every step of the company's life, from its establishment to its dissolution, analyzing the possible strategies and choosing the optimal one for the company.

    Un paesaggio è uno stato d’animo.

    Henri Frédéric Amiel

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