GCD's Mission is to help banks understand and model credit risks. The comprehensive data pools are collected over a decade and distributed back to members for their own research and modelling.


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GCD is a unique data consortium that owns banks internal data for both PD and LGD. GCD’s data pools support the key parameters of banks’ credit risk modelling: Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD).

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GCD’s library gives access to wide variety of publications on risk related topics. Global Credit Data members work together to analyse the data and discuss methodology issues. GCD has published numerous papers and is actively promoting academic research on the data collected.

Access the Library 

Members not only benefit from exclusive rights and access to credit databases and analytics, but also from knowledge and research facilitation possible via the unique industry association.

Through a variety of forums such as workshops, webinars and surveys, GCD is an active industry participant facilitating the discussion in key strategic areas.

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Global Credit Data collects raw data from its members and distributes it back to them for use in their own analysis and modelling. GCD supports its members by providing a flexible high-end tool on the data pool: the GCD Visual Analyzer. Member banks can create dynamic Reference Data Sets and generate instant views on the data.

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Benchmarking Platform

What we do

GCD benchmarking platform allows our members to benchmark the rating and loss estimates of their clients with those of their peers banks. Data exchange of the PD and LGD estimates on a name basis is performed in an anonymized way and treated with absolute confidentiality.      

GCD has set up this service recently based on the wish of its member banks who have trusted GCD since years with their data handling and data security. The service offers data for more than 5000 clients worldwide as well as average PD and LGD levels for pre-defined clusters. 


How can the database be embedded in your regular banking processes 

  • Directly benchmark your risk estimates (PD, LGD, EaD) on specific names and detailed risk clusters with your peers
  • Follow changes in risk estimates over time
  • Feedback the information in your model development and calibration processes