WERSJA POLSKA
BIK REPORTS

BIK report is a collection of information stored on the BIK databases concerning a particular client and his liabilities which is disclosed in response to the bank enquiry.

Within the framework of the BIK Report, the bank receives the following information:

  1. Information about the consumer's credit activity extracted from the credit enquiry database
  2. Client credit history information (historical and current information)
  3. BIKSco / BIKSco CreditRisk score
  4. Search of the InfoMonitor BIG Central Debtors Register
  5. Information from the Restricted Documents System

BIK reports can be used only in a situation where the client is bound by the agreement with the enquiring bank or applies for a bank product to the enquiring bank.

The BIK offer includes the following types of reports concerning the Individual Client:

  • Bank Credit Report
  • Bank Monitoring Report
  • Bank Report – Individual Client Management
  • Bank Monitoring Report – Individual Client – Entrepreneur

The scope of information about the client and his liabilities can be generally divided into the following segments:

  • Data from the current enquiry:
    Data from the application submitted by the enquiring Bank (client's ID data and the data concerning the credit/loan applied for, which were entered during the current enquiry).
  • Summary information:
    A synthetic breakdown of the client's liabilities balance and enquiries about the client submitted by the banks (number, amounts applied for broken down by the basic groups of transactions and client relations to the liability).
  • Comments and warnings - this group, among other things includes, information derived from the search of additional databases such as the Restricted Documents Database, messages concerning potential inconsistencies between the PESEL number, ID card as submitted in the current enquiry and the data held in the database.
  • BIOZ Database - Baza Informacji o Zapytaniach [Enquiry Information Database] collects the enquiries concerning the clients which are submitted by the banks to Biuro Informacji Kredytowej S.A. (only from the enquiry concerning the Bank Credit Report). The database is updated on an ongoing basis in real time whenever the banks sends an enquiry. It is created on the basis of the data from the credit applications such as ID data, address data, data concerning the relationship between the client and the application/potential liability (borrower, security provider, guarantor, etc.).
  • BIORK Database – Baza Informacji o Rachunkach Kredytowych [Credit Account Information Database] includes detailed information describing the current balance of the credit account, repayment history broken down by months, possible overdue payments, data from the loan/credit agreement - opening balances of the financial obligation, ID data, address data, data concerning the relationship between the client and the account / liability (borrower, guarantor, security provider, etc).

Credit score is a method which on the basis of statistical tools allows predicting the probability of occurrence of a predicted event.

BIKSco CreditRisk
The BIKSco CreditRisk (II generation BIKSco) Model is a tool used to assess the credit risk attributable to individuals. Assessment of an individual by the BIKSco CreditRisk model allows predicting the probability of occurrence of serious problems (over 90 days in default) in the repayment of credit by the evaluated person within the period of 12 months of the date of calculation of the score. The BIKSco CreditRisk can be obtained by submitting various credit report enquiries into the SI BIK Klient Indywidualny [Individual Client] system. The score may be shared on-line as a supplement to the credit report or off-line for a group of clients who already have the relationships with the Bank/credit union.

BIKSco ProCredit
The BIKSco ProCredit model is the first generation of the score model used to assess the probability of the client's applying for a new credit product. This model has been developed by BIK and is the only score model built on the basis of the data of the Polish credit bureau used to evaluate the clients' propensity for assuming credits. The BIKSco ProCredit model is a statistical model reflecting the clients' propensity for assuming new financial obligations observed on the Polish market. The BIKSco ProCredit model may be used by the Banks in the assessment of the probability of their clients taking new credits or loans and as an independent tool after the cut off point(s) have been identified.