DATA SHEET

Vinta Intelligent Evaluator (VIE)

OPTIMAL CREDIT RISK EVALUATION SYSTEM

VIE is designed to specifically handle and support the credit assessment of multiple types of loans – from
consumer loans (personal loans, microfinance loans, auto loans, housing loans and credit card) to
corporate loans. The strength of this system lies in Vinta’s two (2) sophisticated engines: Vsoft Intelligent
Agent – which provides the platform for automating decision-making within the enterprise, and Vinta’s
Intelligent Process / Workflow System – which provides the platform for automating business processes.

Î INTELLIGENT CREDIT-SCORING SYSTEM

Vinta’s credit scoring system utilizes

sophisticated algorithms to estimate the risks
associated with a credit applicant. These
algorithms are proving to be superior to
statistical regression techniques used by most
banks for credit modeling. Because of these,
VIE will be able to optimize credit decision-
making within the bank and promote consistency
in evaluating and reviewing credit applications.

How is that?

This technological advancement can interlink

and extract credit risk related information from
various data sources, such as the internal Loans
Origination System (LOS) or Core Banking Systems. It can analyze large volumes of historical data
and capture complex and non-linear patterns to measure the applicant’s capacity to pay off his
obligations. It can, as well, predict, at a very early stage in the application process, the level of risks
associated with a borrower.

VIE will also be able to adopt the extensive knowledge and expertise of the bank’s best credit
practitioners. With this technology, credit officers can create as many rules that they can think of,
based on their knowledge and past experiences, and they can also infer comprehensible rule sets,
based from the bank’s internal credit policies and guidelines and historical data.

Through the combined power of various artificial intelligence algorithms, VIE will be able to tell you
whether you should approve or reject an application, and will even support this decision with an
appropriate credit score or rating. In case an application gets rejected, VIE can provide the loan officer
with the reasons why such application is denied and will even allow them to conduct what-if analyses
to search for other ways to have the said application approved.

All the credit models generated by the system can be retrained at any time to adapt to changing
customer risk patterns and amendments in the bank’s internal credit policies and guidelines. VIE is so
flexible, it enables the loan officers to modify their credit and business rules even without the help of
their programmers.

Vinta Systems VIE Data Sheet Page 1 of 3

Î INTELLIGENT BEHAVIOR-SCORING SYSTEM

VIE is also capable of generating a behavioral score based on its analysis of behavior of the bank’s
clients. Based on the payment history, demographics and spending habits of the borrowers, VIE will
be able to predict their future performance, learn and understand their different risk profiles, and
identify high, medium and low risk accounts.

How else can this benefit the bank?

First, if the bank would like to optimize their credit line management, it will already be easier for them
to review the risks from extending credit lines to existing customers. Their Credit Review Committee
will just look at the risk profile of the borrowers and the bank will know in an instant, whether
expanding their credit limit, will be beneficial to the bank.

Second, the marketing and account management staff will be able to discover new market niches,
hence come out with more effective targeted marketing campaigns. Considering patterns of consumer
behavior, they will be able to know which products and services will click in the market, at minimum
risk by market niche.

And third, VIE is an effective tool to determine the best collection strategy to use. Knowing the high
and low risk accounts, VIE can help the Accounting and Collection Department of the bank to focus on
the customers who are least likely to pay, and spend less time on low-risk clients. They will also be
able to know when they will need to send a soft collection letter, do a reminder call, involve the legal
department, or when to do nothing at all, as they know that the client will pay anyway.

VIE’s credit and behavioral scoring capability definitely allows banks to reduce credit costs, increase
revenues and lower delinquency rates.

Features and Benefits of Vinta’s Intelligent Evaluator

Flexible and Robust Credit ™ Optimizes credit decisions through comprehensive credit and
Scoring Engine behavioral scoring systems that will help banks weed out potential
credit problems and classify market niche.

™ Ensures accurate, fast and consistent decisions

™ Rules can be retrained at any time to adapt to various internal and

external changes affecting credit decisions

™ Captures and preserves the knowledge of the credit experts

™ Reduces the level of bad debts

Efficient data access ™ Allows data from different databases to be gathered and used as
mechanism feed information for optimal decision-making

Vinta Systems VIE Data Sheet Page 2 of 3

Contact Us

Need more information? Please don’t hesitate to give us a call. Our office hours are from 8:30 AM to 5:30
PM, Mondays to Fridays.

THE COMPANY Vinta Systems, Inc.

ADDRESS 27-C Rufino Pacific Tower, 6784 Ayala Avenue, Makati City 1200 Philippines
PHONE (63-2) 893-3963; (63-2) 893-3824
EMAIL info@vintasystems.com
WEB www.vintasystems.com

VIE™ is a trademark of Vinta Systems, Inc. All other trademarks are the property of their respective
owners.

Vinta Systems VIE Data Sheet Page 3 of 3