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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“By banks, for banks”

Through the active participation of its Member banks, Global Credit Data provides an international forum for exploring the intricacies of credit risk management and sharing of best practice. The Association works on a ‘Give to Get’ basis: rather than “shareholders’ value”, the active participation of its Member-banks creates “membership value” for each one’s immediate benefit.


The three decision making bodies / committees: 

Committee Role
General Meeting of Members 
  • Discusses and adopts the annual accounts
  • Appoints and releases Board members from liability
  • Approves the annual budget
  • Holds all other powers in the Association that are not vested in the Board or the Methodology Committee

 Members only: Login to our member website and consult the library on all presentations / resolutions discussed in the General Meetings of Members so far. 

Board of Directors
  • Determines the strategic direction of the organisation
  • Monitors the data agent and the service providers
  • Promotes relationships with other key associations and new memberbanks
  • Publishes analytics and fosters academic research
  • Prepares and submits an annual budget for approval to the General Meeting of Members 

 Members only: Log into our member website to consult the Annual Report of Activities for more information.  

Methodology Committee
  • Sets, implements, reviews and improves GCD’s data collections and datapools
  • Designs and maintains the suite of supporting documents 
  • Determines measures to continuously ensure a high data quality  
  • Reviews and approves all analytics on GCD’s databases
  • Prepares and submits changes to the data pool regulation to the General Meeting of Members

 Members only: Log into our member website to follow the decisions in the Methcom as well as in its subcommittees

















The decisions of the Board of Directors are carried out by the Executives of GCD.