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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Press Release:  The Global Credit Data Consortium appoints Ramadurai Krishnan as CEO

Global Credit Data (GCD) is the world's largest consortium of banks dedicated to sharing loan and default information. Founded in 2004 and legally incorporated in the Netherlands, GCD is owned by around fifty of the world’s largest banks, aiming to share their loan default and loss experience. Key activities are data collection and sharing, with over half a million defaulted commercial loans reported over more than 20 years.

Ramadurai Krishnan will join as CEO from the 3rd of June 2024. Krishnan has many years of senior level Banking and Risk Management experience at HSBC and Fitch Ratings and success as the International Chamber of Commerce (ICC) Trade Register Chair. Krishnan is well known in the finance industry for his advocacy and thought leadership in the area of credit risk and trade policy. He has vast experience of collaborating with sector colleagues to produce research reports covering credit risk, securitization frameworks and trade policy.

GCD’s Chairman, Simon Ross-Hansen says that he expects Krishnan’s experience and deep industry engagement to propel GCD into even more strongly assisting the industry with data, standards, and methods for measuring and modelling Basel Credit Risk, IFRS9 and ESG (Environment, Social & Governance).

For more information please see www.globalcreditdata.org or contact secretary@globalcreditdata.org