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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Legal & Financials

Global Credit Data is incorporated as not-for-profit registered Association domiciled in The Netherlands under Dutch Law. This structure ensures that the aim of the Association is focused on providing benefits to its members as a result of their active participation; this means creating membership value, rather than shareholder value.

The activities and services provided by Global Credit Data are defined in

Data is pooled by the member banks in Global Credit Data on the basis of confidentiality, anonymity & comparability. The member banks remain owners of their own data but give a perpetual license (right of use) to the Association. Once aggregated, the data becomes a distinct data-set, which is owned by the Association, i.e. the Member-banks jointly.

The Articles provide that members of GCD must be legal entities (not persons) who are involved in financial services and able to share compatible data.  Each member company gives power to one of its employees to act as a voting delegate in GCD’s General Meeting of Members.

Article 20 of the Articles of the Association further defines for the organisation the

  • Financial Year
  • Annual Report and
  • Annual Accounts.

The most recent Annual Report to the General Meeting of Members describes the current strategic activities, GCD’s major projects and the Treasurer’s report / Annual accounts of GCD (available for members only)..

Please contact us if you would like more information about legal, financial, statutory or voting matters.