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.

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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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Business Use Cases of GCD Data: Valuation of Non-Performing Loans

June 12, 2020 @ 2:00 pm UTC+1


Valuing NPL is the base for portfolio and capital management and requires to project ultimate recoveries using the best available data. The volume of legacy NPL on banks’ balance sheets will be augmented sensitively by the potentially hard recession that may result from the covid19 pandemic.

Burkhard Heppe from NPL Markets and Richard Crecel from Global Credit Data will discuss the current situation of NPL buyers and sellers, the need for “bad loans banks” and how valuation platforms and a structured loan loss data collection can help in times of the Covid-19 crisis.

Please register here to get further information (material & login details). 



The topics: 

  1. Introduction to NPL Markets and the market for NPL
  2. Impact of current crisis on bank loan defaults and recoveries
  3. Different valuation types of NPL: hold or sell
  4. Using GCD data for NPL valuations
  5. Determine a break-even price for selling NPL
  6. “Bad banks” – needed to overcome the crisis? 

Login: https://globalcreditdata.zoom.us/j/95946679029

Meeting ID: 959 4667 9029

Alternatively by phone:

  • Germany: +49 69 7104 9922
  • Netherlands: +31 20 794 7345
  • France: +33 7 5678 4048
  • Italy: +39 069 480 6488
  • UK: +44 330 088 5830
  • Canada: +1 778 907 2071
  • US: +1 929 436 2866
  • Australia: +61 8 7150 1149

More international numbers 



June 12, 2020
2:00 pm UTC+1