This document provides an overview and summary of Dun & Bradstreet (D&B) credit reports and scoring models. It discusses how to find the right business and identify high risk triggers in credit reports. It also reviews the various data elements that can help users better understand a customer's history, operations, corporate structure, public records, and trade payment history. The document then examines D&B's key predictive scores in depth, including the Viability Rating, Delinquency Predictor, Financial Stress Score, PAYDEX, and credit limit recommendations. It provides details on the data and algorithms that drive each score and demonstrates their predictive performance in discriminating risk. The presentation emphasizes using multiple scores together to gain the fullest insights into
Acutesoft Offers professional SAP FSCM Online Training. We have 8+ years of experienced trainers. SAP FSCM produces this possible because it is integrated with core SAP ERP functionality , it helps to ensure that the personnel in the receivables function have accessibility to the modern data and are in sync with all the other divisions . SAP FSCM is a developed suite of solutions for a business receivables function like Collections Management , Dispute Management , Credit Management and Biller Direct .
S4 HANA New GL Configuration sample .
For more details & Online Training , mail me at pradeephota.sap@gmail.com
Watsup- 9437141137
Free Tutorial on SAP
https://www.youtube.com/channel/UCIuai9zASMANOi0netwDd7w?view_as=subscriber
Acutesoft Offers professional SAP FSCM Online Training. We have 8+ years of experienced trainers. SAP FSCM produces this possible because it is integrated with core SAP ERP functionality , it helps to ensure that the personnel in the receivables function have accessibility to the modern data and are in sync with all the other divisions . SAP FSCM is a developed suite of solutions for a business receivables function like Collections Management , Dispute Management , Credit Management and Biller Direct .
S4 HANA New GL Configuration sample .
For more details & Online Training , mail me at pradeephota.sap@gmail.com
Watsup- 9437141137
Free Tutorial on SAP
https://www.youtube.com/channel/UCIuai9zASMANOi0netwDd7w?view_as=subscriber
SAP Accounts Reveivable Customer Master | http://sapdocs.infosapdocs. info
Get this and other SAP Account Reveivable Materials from http://sapdocs.info/sap/fico/sap-accounts-receivable-ppt-training-materials-documents-for-beginners/
for more SAP Documents please visit http://sapdocs.info
We have professionally certified trainers. Who has more than 10+ years experience in Real time. Acutesoft Provides you effective SAP Warehouse Management ( SAP WM ) Online Training course will definitely assist you with a head start in you goal to learn and master SAP Warehouse Management. This course is designed for training you to become a SAP WM functional consultant .
A presentation on Payment Management in SAP. It includes Manual and Automatic payment, Process of Automatic Payment Run and Major Blocking points on payment management.
Blogs on Document Splitting at www.veritysolutions.com.au
Document Splitting is a very powerful feature delivered by SAP ECC.
Previous to SAP ECC, if new fields were required to General Ledger SAP had to deliver these new fields in Special Purpose Ledger tables. Profit Centre Accounting in R3 was Special Purpose Ledger table 8*, Joint Venture Accounting was ledger 4*. This essentially meant that data had to be copied from General Ledger table GLT0 to special ledger tables so these could be reported upon. However, technical glitches in code and incorrect usage of functionalities caused imbalances between the main ledger GLT0 and the special purpose ledgers.
SAP customers who wanted to expand the functionality of General Ledger to cater to special business requirements (like reporting General Ledger with another fiscal year variant) had to create custom Special Purpose Ledger tables. For example, if a customer wanted to report by two fiscal year variants, they could report one variant using General Ledger and the other variant using Special Purpose Ledger.
All this disparate ledgers reported the same source information in different views. Customers had to execute several month end jobs to ensure synchronisation of data across all these ledgers. Differences in balances and information between ledgers led to delays in month end close and reporting.
With SAP ECC new GL, SAP Customers can add new fields (which SAP calls “scenarios”) into General Ledger. This allows customers to perform, for example, Profit Centre Accounting and Reporting within General Ledger.
With SAP ECC new GL, SAP Customers can add new ledgers (which SAP calls “parallel accounting”) into General Ledger. This allows customers to report, for example, the same General Ledger data in multiple fiscal year variants.
This replication of data happens in real-time. SAP customers no longer need to execute month end jobs to synchronise data between different ledgers.
This report highlights US economic performance via three key indices. The Small Business Health Index measures year-over-year small business performance through equally weighted payment patterns and credit use. U.S. Jobs Health combines Small Business Health Index industry data with BLS figures to forecast monthly nonfarm payroll employment. The U.S. Business Health Index provides a year-over-year equally weighted average of D&B’s Viability Score, Delinquency Predictor and Total Loss Predictor.
Based on proprietary data and analytic insight, this report gives Dun & Bradstreet's perspective on gloal business conditions for the first half of 2012.
SAP Accounts Reveivable Customer Master | http://sapdocs.infosapdocs. info
Get this and other SAP Account Reveivable Materials from http://sapdocs.info/sap/fico/sap-accounts-receivable-ppt-training-materials-documents-for-beginners/
for more SAP Documents please visit http://sapdocs.info
We have professionally certified trainers. Who has more than 10+ years experience in Real time. Acutesoft Provides you effective SAP Warehouse Management ( SAP WM ) Online Training course will definitely assist you with a head start in you goal to learn and master SAP Warehouse Management. This course is designed for training you to become a SAP WM functional consultant .
A presentation on Payment Management in SAP. It includes Manual and Automatic payment, Process of Automatic Payment Run and Major Blocking points on payment management.
Blogs on Document Splitting at www.veritysolutions.com.au
Document Splitting is a very powerful feature delivered by SAP ECC.
Previous to SAP ECC, if new fields were required to General Ledger SAP had to deliver these new fields in Special Purpose Ledger tables. Profit Centre Accounting in R3 was Special Purpose Ledger table 8*, Joint Venture Accounting was ledger 4*. This essentially meant that data had to be copied from General Ledger table GLT0 to special ledger tables so these could be reported upon. However, technical glitches in code and incorrect usage of functionalities caused imbalances between the main ledger GLT0 and the special purpose ledgers.
SAP customers who wanted to expand the functionality of General Ledger to cater to special business requirements (like reporting General Ledger with another fiscal year variant) had to create custom Special Purpose Ledger tables. For example, if a customer wanted to report by two fiscal year variants, they could report one variant using General Ledger and the other variant using Special Purpose Ledger.
All this disparate ledgers reported the same source information in different views. Customers had to execute several month end jobs to ensure synchronisation of data across all these ledgers. Differences in balances and information between ledgers led to delays in month end close and reporting.
With SAP ECC new GL, SAP Customers can add new fields (which SAP calls “scenarios”) into General Ledger. This allows customers to perform, for example, Profit Centre Accounting and Reporting within General Ledger.
With SAP ECC new GL, SAP Customers can add new ledgers (which SAP calls “parallel accounting”) into General Ledger. This allows customers to report, for example, the same General Ledger data in multiple fiscal year variants.
This replication of data happens in real-time. SAP customers no longer need to execute month end jobs to synchronise data between different ledgers.
This report highlights US economic performance via three key indices. The Small Business Health Index measures year-over-year small business performance through equally weighted payment patterns and credit use. U.S. Jobs Health combines Small Business Health Index industry data with BLS figures to forecast monthly nonfarm payroll employment. The U.S. Business Health Index provides a year-over-year equally weighted average of D&B’s Viability Score, Delinquency Predictor and Total Loss Predictor.
Based on proprietary data and analytic insight, this report gives Dun & Bradstreet's perspective on gloal business conditions for the first half of 2012.
The D&B U.S. Economic Health Tracker showed dogged improvement in April 2014. Small business health stabilized after a number months of decline. Although wintry weather took its toll in the Northeast and Midwest earlier in the year, small businesses continue to demonstrate strong on-time bill and credit-card payments. Meanwhile, an estimated 208,000 new jobs were created, driven by strong gains in the retail and manufacturing segments. Finally, the U.S. Business Health Index strengthened yet again in April, registering a 53.7-percent index value, the highest recorded level since the index began in December 2010. U.S. businesses show sustained balance sheet and financial health, based on the weighted average of D&B’s Viability Rating, Delinquency Predictor, and Total Loss Predictor. Overall, the American economic recovery remains a choppy one, albeit with signs of hope in specific sectors.
This global economic outlook gives Dun & Bradstreet's perspective on global business conditions. Based on its proprietary data and analytic insight, the outlook reviews business conditions for 2012 and gives insight on what to expect for 2013.
D&B Briefing: The Economic & Political Situation in the Ukraine | 3/17/14Dun & Bradstreet
D&B has downgraded Ukraine’s country risk rating to DB6c (in our "very high risk" category) from its already poor score of DB6b (on a scale of 1-7, with 7 being the highest possible level of operational risk). The downgrade stems from the significant recent deterioration in the country’s business operating environment. This article gives more insight into the current situation in Ukraine and why their risk rating was downgraded.
This white paper discusses why small businesses are experiencing a decline in lead volume and quality, and acts as a step-by-step guide for lead generation in "the new normal".
D&B Analysis | Flat Spot in US Economic Recovery (Fall 2012)Dun & Bradstreet
In this report, D&B confirms a flat spot in US economic recovery for the first half of 2012. Unfortunately, the second half of 2012 is likely to reflect the same.
Anti-Bribery and Corruption Compliance for Third PartiesDun & Bradstreet
In this white paper, Kelvin Dickenson, Managing Director of D&B Global Compliance Solutions, discusses thoughtful approaches to buidling a scalable, effective and proportionate anti-corruption program for third-party due dilligence.
The Small Business sector continues to slow and may have stalled. All sectors have been impacted, with the Automotive Index registering the largest decline. Financial pressure may be increasing as components have weakened, including the previously favorable rate of small business failures.
D&B by the Numbers #DnBData- Women and Minorities in businessDun & Bradstreet
This deck showcases several of our top info-graphics that were created using D&B data. These mainly include statistics of women and minorities in the business world.
70% of CRMs in Europe fail to meet business objectives. This infographic by D&B UK explains the factors behind these failings and how to address these issues to avoid pitfalls.
While the overall index tracks with pre-recession performance, small businesses continue to struggle in key areas. A drop in the credit card utilization subcomponent, typically a bellwether for larger Index performance, is cause for concern. Nevertheless, a rise in the credit card delinquincy subcomponent hints that small businesses are steering their fiscal ships in the right direction. A few more months may reveal whether the small business sector is truly headed toward complete recovery.
The small business sector started 2013 with a bang, as more businesses paid their bills on time and fewer relied on credit card debt. The improvements fueled a 3.2-point increase in D&B’s Small Business Health Index.
This presentation explains how the enhanced D&B360 cloud connector for Oracle Eloqua improves sales and marketing effectiveness, as well as how to get started using it for your small business.
D&B’s Small Business Health Index declined nearly 2 points in May 2013, revealing continued challenges for the small business sector. The across-the-board decline brought the monthly Index below May 2012 levels, and marked the third consecutive decrease since March 2013.
Commemorating the launch of D&B's new US Economic Health Tracker, this deck was presented by D&B's Chief Data and Analytic Officer, Paul Ballew, on February 6, 2014. The new monthly report that looks at three leading macro indicators; small business health, total job growth and overall U.S. business health.
At the Federal Home Loan Bank (FHLB) of Dallas, regulatory reporting used to take weeks. Now it’s done in minutes. In this deck learn how the bank’s accounting team is using Workday Accounting Center and Workday Prism Analytics to gain insight into data—dramatically improving confidence in the organization’s financial information.
View related videos:
The Future of Finance with Workday https://www.youtube.com/watch?v=r_yiv4C6kk8
#wdaychats: Insights for the Changing World of Finance https://www.youtube.com/watch?v=O7Dl-bRFG1Y
In this presentation, learn how DNBi can help your business to prescreen and enable instant decisions to shorten the sales cycle, reduce credit holds and find upsell opportunities, and optimize and segment your portfolio to find the profile of your best customers.
Business Loan Proposal PowerPoint Presentation SlidesSlideTeam
If your company needs to submit a Business Loan Proposal PowerPoint Presentation Slides look no further. Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. https://bit.ly/3gLHI1h
Graydon's Tips on how to improve your business credit rating. By following a few simple tips, you can improve your business credit report, give more confidence to your suppliers, achieve better credit terms, trade more and achieve better business image.
Small Business Loan Proposal PowerPoint Presentation SlidesSlideTeam
If your company needs to submit a Small Business Loan Proposal PowerPoint Presentation Slides look no further. Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. https://bit.ly/2VxeP0s
Presentation directed towards existing and prospective clients of Eurosurveillance CI Romania:
- general investigations Romania
- due diligence Romania
- commercial investigations Romania
- business investigations Romania
- insurance fraud investigations Romania
- medical claim investigations Romania
- travel claim investigations Romania
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If you\'re preparing to take in investment then what are the things you\'re going to need to consider re the financial plans, the market context and your place in the good the bad and the ugly for your sector.
D&B Optimizer – Dun & Bradstreet Account and Lead Data for SalesforceDun & Bradstreet
D&B Optimizer for Salesforce via Lightning Data delivers Live Business Identity - the information clarity and consistency you need to drive your sales and marketing initiatives forward with confidence. With D&B Optimizer, you maintain a high level of data quality and completeness so you can efficiently prioritize accounts based on critical data insights, align territories, segment markets, and identify and link companies in the same family tree to keep sales and marketing strategies on track.
https://www.dnb.com/products/marketing-sales/salesforce-data-management.html
✔ Automatically improves the account and lead data powering your Salesforce environment to accelerate sales with 80 fields of rich D&B firmographic attributes
✔ Refreshed every 15 days – 300- million business records - 30k sources - 190 countries - updated 5 million times a day
✔ Provides visual resolve/remove duplicate records to create one master record of data truth
✔ Identifies and links corporate relationships to uncover new opportunities and upsell/crosssell.
Do you have slow or late payments reported on your Dun & Bradstreet business credit file? These types of negative payment experiences can impact your business credit scores and ratings, which can affect your ability to get contracts, loans, investors, and more. We’ve created the infographic below to help business owners understand the importance of making timely payments to suppliers and other partners.
Learn how to build business credit, how credit scored are impacted, and how Dun & Bradstreet's Credit Builder can improve trade credit scores. See how businesses report their late payments, and how these signals can be interpreted by suppliers, partners and banks. Get advice on what steps businesses can take for business credit repair, and how companies can combat negative business credit signals.
For more information about how Dun & Bradstreet can help your business establish a strong business credit score, or how we can improve a struggling trade credit score, please visit our site:
http://www.dnb.com/products/finance-credit-risk/dnb-credit-products.html
Forrester Research surveyed over 500 B2B data strategy and management decision makers to discover their biggest challenges and what they are doing to overcome obstacles on their path to data activation.
Investments into CRM software are not paying off for companies who continue to foster data silos. Learn how impactful the right database management system can be for companies. See how companies are connecting disparate data silos with enterprise data management systems, and how this is driving business growth for them.
Review examples of companies who are seeing huge benefits from bringing disparate information together. See how integrating customer data into marketing and sales can drive profitable, fact based decisions in customer acquisition and targeted marketing.
Don't get left behind, see how implementing the right B2B data management strategy can improve your CRM system. For more information about how Dun & Bradstreet can help connect customer, marketing, and sales data, check out D&B Direct for Marketing:
http://www.dnb.com/products/master-data/dnb-direct/dnb-direct-for-marketing.html
Get more information about the Forrester Research on The B2B Data Activation Priority here:
http://www.dnb.com/marketing/media/b2b-data-activation-priority.html
D&B Spend Intelligence provides full visibility into corporate spending with customizable dashboards and actionable data. Quickly gain deeper insights into corporate spending to make better-informed decisions and capture greater opportunity.
Stay ahead of constantly changing contact data for suppliers and buyers. Provide up to date procurement Master Data so your Procurement and Finance team can enhance everyday business processes.
Review the fast rate of change of business relationship data on our infographic. The insights reveal why up-to-date Vendor Master Data provides deeper insights for Procurement teams. You will be shocked by how frequently vital business data shifts around the country in just 60 minutes.
Political Risk Could Undermine the Global Recovery. Review Dun & Bradstreet's research on global trade and the political risks that could impair global economic outlook. Dun & Bradstreet partners with international finance departments, World Bank Governance Indicator publications, and other global economic outlook experts to create comprehensive fiscal world view.
Annual Trends & Perspectives from B2B Buyers & Sellers
Review the current state of B2B sales and marketing and how these trends are affecting the buyers and sellers across B2B industries. Understand the challenges sales teams are facing and how customer centric marketing, coupled with targeted sales strategies, can contribute to sales acceleration.
D&B tools can shed light on effective account based marketing campaigns, and sales prospect research strategies. These sales acceleration tools are essential to emerging B2B sales approaches.
In today’s global marketplace, a number of factors make it difficult to act upon an effective global risk management process.
https://www.brighttalk.com/webcast/13997/280437
Taking an Analytical Approach to Sales AccelerationDun & Bradstreet
Taking a statistical approach to determining the right mix of qualifying criteria removes the guess work, delivers higher conversion rates and increased revenue. With the right business analytics tools, your marketing and sales teams will accelerate pipeline with meaningful insights. Waste less time on unlikely prospects with target market analysis and customer analysis.
Watch this SlideShare to understand how impactful our predictive sales analytics can be for sales and marketing alignment and customer acquisition.
How the CFO can Fuel Sales with Data InspirationDun & Bradstreet
Growth and profitability are driven by relationships. Finance and sales are increasingly compelled to work together to drive customer value and company profitability. Learn how together, with a data-inspired approach to collaboration, they can discover new ways to improve customer relationships, optimize risk and opportunity and build a long-term sustainable growth.
How Finance & Marketing Can Accelerate Growth with Data InspirationDun & Bradstreet
Traditionally, marketing has been in the driver’s seat when it comes to revenue growth, while finance tracked numbers back in the garage. With information that was siloed and hard to quantify, the revenue engine often failed to reach top speed. Learn how finance and marketing can work together to accelerate growth with data inspiration.
How Credit Departments Can Build Relationships and Drive GrowthDun & Bradstreet
As Finance organizations increasingly become drivers of growth, Credit departments can take a lead role in data strategy and management. With smart data on customers and prospects, Credit can be a powerful force in contributing to sales and identifying new business opportunities.
2017 Global Economic Outlook by Dun & BradstreetDun & Bradstreet
Learn from Dun & Bradstreet’s economists as they share our 2017 global economic outlook. Discover the top five economic game changers, take a look at the short-term economic outlook and view deep-dive analyses on featured countries.
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
Company Valuation webinar series - Tuesday, 4 June 2024FelixPerez547899
This session provided an update as to the latest valuation data in the UK and then delved into a discussion on the upcoming election and the impacts on valuation. We finished, as always with a Q&A
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
The Hidden Gems: Optimizing your DNB Credit Reports
1. The Hidden Gems:
Mining Maximum Insight from your
D&B Credit Reports
Robert Porreca
November 20, 2014
2. Today’s Agenda
D&B Data
Finding the Right Business
High Risk or Special Event Triggers
Data that will help you know your customer better:
‐ History and Operations
‐ Corporate Linkage
‐ Public Records
‐ Trade Payments/Small Business Risk Insight (SBRI)
D&B Scores
An in-depth look at our key Ratings & Scores:
‐ Viability Rating
‐ Delinquency Predictor (Commercial Credit Score)
‐ Financial Stress Score (Failure Score)
‐ PAYDEX
‐ Credit Limit Recommendation
Bringing it all together
Understanding D&B Data & Scores 2
5. Can’t Find the business
you are Looking for?
Understanding D&B Data & Scores 5
6. High Risk Events & Data Triggers
Warning signs that may indicate possible
high risk scenarios:
‐ Over-eager owner
‐ Questionable start date
‐ Ostentatious business name
‐ Extremely Robust Financial Statement
‐ Atypical trade references
‐ Trade references all from one industry
‐ Business principals involved in other failed
or fraudulent enterprises
‐ “Too good to be true for prospect that size
& time in business”
Understanding D&B Data & Scores 6
7. Special Events
Bankruptcy
Burglary or Embezzlement
Partner Change
Fire or Other Disaster
Legal Structure Change
Business Discontinued
Criminal Proceeding
Move
Name Change
Control/Ownership Change
M&A Activity
Criminal indictment
Understanding D&B Data & Scores 7
8. Special Event & High-Risk
Trigger Sources
Federal, State and Local Courts
Bankruptcy Courts
News and Media
Customers
Business Owners
Trusted Third Parties:
– Lexis/Nexis – Mergers & Acquisitions
– United States Postal Service
– Security and Exchange Commission
– Secretary of State
Understanding D&B Data & Scores 8
9. Historical Data - Know Your Customers
Type of Business / Legal Structure
Year Started – Year when the business
first started commercial operations
Present Control – Year when current
management took control
Ownership / Background on Principals
– Includes Owner Name, title and work
history
Business Registration Details –
Includes State of incorporation, date,
officers and stock ownership
Related Businesses – Related through
common ownership or minority stock
ownership
Derogatory Information – Includes
former criminal proceedings or business
failures
Google Maps – Shows Satellite & Street
Views
Understanding D&B Data & Scores 9
10. Operational Data - Know your Customers
Line of Business / SIC Code –
Assigned based on % of revenue.
Terms of sale, # of Accounts,
Territory covered, Import / Export,
Who they sell to and Brands
Employees – Total Employees
(includes all branches and
subsidiaries) and Employees Here
(at this site)
Facility / Location Information –
includes square footage, type of
building, condition and location
Branches / Subsidiaries – Other
locations and owned companies
along with % of stock ownership,
location and inter-company relations
Understanding D&B Data & Scores 10
11. Understanding Corporate Linkage
Legal structure
– D&B bases linkage on capital stock ownership. A company must own
50.1% or more of the capital stock in an organization for linkage to
appear in the database.
Linked records include
– Parent / Subsidiary relationships
– Headquarter / Branch relationships
Non-Linked records include
– Joint ventures will not be linked, since each company owns 50% of the
stock and there is no majority ownership.
– Franchise, agent and dealer relationships: Companies may choose
to license other companies to run their locations or market their
products. These companies are not legally owned, but have a
contractual relationship with the franchisor, and usually use the
franchisor name in their business name or trade style.
Understanding D&B Data & Scores 11
12. Corporate Linkage
Can be used to access
overall credit exposure at:
– Global / Domestic Ultimate
– Headquarters
Based on exposure level
you can better:
– Reevaluate credit limits
– Prioritize collections
– Recognize growth
opportunities
Understanding D&B Data & Scores 12
13. Public Filings
‘Public Filings’ includes:
Suits/Liens/Judgments
Bankruptcies
Financing Statements (UCC’s)
We collect and keep the information
updated by:
Direct data feeds from filing offices
(state and federal levels)
100% coverage of bankruptcy courts
And the value this brings to you…
Liens may indicate difficulty to pay
Judgment may equal large
obligations outstanding
Suits may impact the businesses
credibility
Bankruptcy – will creditors get paid
Financing Statements – secured
assets
Understanding D&B Data & Scores 13
14. Trade Payments
Our Coverage:
Approximately 105 million unique and matched
trade payment experiences in the U.S.
database, across 4500 trade tape program
participants.
Trade collection & coverage is U.S.-focused
Most suppliers give monthly updates from trade
tape program
Approximately 1 billion trades are added per
year, 7-8 times per year
Over 9 million businesses have a valid Paydex
score
Over 20 million businesses have at least 1 trade
payment experience on their reports.
Over 93% of the time a D&B product has at least
1 trade payment experience.
85.6% of the time a D&B product has at least 3
trade payment experiences.
Largest Trade Program
Participants by Industry:
• Credit Card Providers
• Wholesalers – Durable/Non-Durable
Goods
• Communications
• Electric, Gas and Sanitary Services
• Business Services
• Printing, Publishing and Allied Industries
Understanding D&B Data & Scores 14
15. Trade Payments - Recent Trade History
Date Reported & Last Sale should be compared to check
recency of the purchasing activity
Understanding D&B Data & Scores 15
16. Trade Payments – Details Available
By Dollar Amount
3 & 6 Month Days Beyond Terms
By Industry
Monthly Aging Details
Understanding D&B Data & Scores 16
17. Powerful Banking information is available
in the Small Business Risk Insight area
Understanding D&B Data & Scores 17
18. Today’s Agenda
D&B Data
Finding the Right Business
High Risk or Special Event Triggers
Data that will help you know your customer better:
‐ History and Operations
‐ Corporate Linkage
‐ Public Records
‐ Trade Payments/Small Business Risk Insight (SBRI)
D&B Scores
An in-depth look at our key Ratings & Scores:
‐ Viability Rating
‐ Delinquency Predictor (Commercial Credit Score)
‐ Financial Stress Score (Failure Score)
‐ PAYDEX
‐ Credit Limit Recommendation
Bringing it all together
Understanding D&B Data & Scores 18
19. Viability Rating at a Glance
PREDICTIVE DESCRIPTIVE
8 5 C B
Viability Score
• 1 - 9 Risk Ranking
• 1 = Lowest Risk
• 9 = Highest Risk
• Ranking Against
• All US Businesses
Portfolio
Comparison
• 1 - 9 Risk Ranking
• 1 = Lowest Risk
• 9 = Highest Risk
• Ranking Against
• Similar Businesses
Data Depth Indicator
• A - M Scale
• A = High
• G = Low
• H – M
• Special Risk Conditions
Company Profile
• A - Z Scale
• A = Largest
• X = Smallest
• Y = Branch
• Z = Subsidiary
Understanding D&B Data & Scores 19
20. Predictive Components: Data elements
What makes up the Viability Score and Portfolio Comparison
Data Category Data Variables
Demographic Data Actual sales, Actual employees, Business Year. Years under same
management, Industry Classification, Building own/rents, History Indicator
Business Activity
Signals
Number of updated data sources in the last 6 months
Legacy & Detailed
Trade Data
Number of payment experiences, Percent of slow and negative payments,
Average monthly percent balances, Average Monthly 30+ Days Past Due
Amount - 12 Months, Composite 3 Months Paydex, and others.
Public Record
Data
Total Dollars/Number of suits, liens, and judgments; Presence or absence
of UCCs or Bankruptcy.
Financial Data Number and type of financial statements, Total Assets & Liabilities, Net
Worth, Quick Ratio, Current Ratio, Return on Assets, Total Liabilities/Net
Worth and others.
Understanding D&B Data & Scores 20
22. Company Profile: Ratings Scale
Young: < 5 years
Established: 5+ years
Small:
– Employee < 10 or missing
– Sales <$100K or missing
Medium:
– Employee 10-49
– Sales $100K - $499K
Large:
– Employee 50+
– Sales $500K+
*includes actual employee size and sales only;
estimated/model employee size and sales
counted as “missing”
Understanding D&B Data & Scores 22
23. Viability Rating
Comparing Two Companies
ABC Company XYZ Company
Both companies look the same, with a Viability
Score= 4, when compared with all US businesses
4
2
A
A
But their Portfolio Comparison (ABC with Financial
Data and XYZ with Established Trade), their risk
ranking is significantly different; ABC has a better
outlook than XYZ
Data Depth is at different levels. ABC has shared
financial information and XYZ has established credit
history, but no financials reported
The companies have different Company Profiles–
large, established business small, established
business
4
6
C
K
Understanding D&B Data & Scores 23
24. 24
Predictive performance of the Viability Score
Superior Risk Discrimination: Bad Rates Range from .3% to 65%
25. 25
Predictive performance of the Portfolio Comparison: With
available financial data and businesses with no financial data but with
established trade payments
Average bad rate is 0.6%, significantly
lower than combined average of 14%
Ranking businesses within this peer group
provides additional insight into financial
performance
Average bad rate is 5%, lower than the
combined average of 14%.
Ranking businesses within this peer
group provides additional insight into
detailed payment trends relative to
viability
26. 26 26
Predictive performance of the Portfolio Comparison:
Limited Trade Payments and No Trade Payments
Average bad rate is 11%, slightly better
than the combined average of 14%
Ranking businesses within this peer
group provides additional insight into level of
business activity, firmographics, public
records and trade relative to viability
Average bad rate is 15%, higher than the
combined average of 14%
Ranking businesses within this highest
risk peer group provides additional insight
into how businesses with no established
trade history compare in terms of future
viability
27. 27 27
Intelligence Engine ‘Signals’ of business activity
are correlated to delinquency
Distribution of delinquency rate by IE updates
last quarter vs. the same quarter a year ago
% of 91+ accounts
Businesses with 4+ updates have lower delinquency vs. businesses without any
updates or with a decreased number of updates.
29. Delinquency Predictor
Commercial Credit Score – Version 9.0
Summarized and Detailed Trade Data
Number of Trade Accounts
Percent of Negative Account Dollars
Average Monthly Open Balance
Most Recent Past Due Amount
Total Amount Owing by Aging Bucket
Percent of Accounts and Dollars by Aging Bucket
Percent of Slow Accounts and Past Due Dollars
over last 3, 6, 9, and 12 months
Percent of Change in Slow Accounts and Past Due
Dollars by Aging Bucket over last 3, 6, 9, and 12
months
Paydex Variance
Demographic and Intelligence
Engine Data
Year Started; Management Control Year
SIC/Industry
State
History
Intelligence Engine Activity Signals
Public Record Data
Number of Suits, Liens, Judgments
Bankruptcy
Financial Data
Availability of Financial Statement <24 Months
Old
Current Ratio
Understanding D&B Data & Scores 29
34. Delinquency Predictor & Financial
Stress Score “Cheat sheet”
Low Risk of Delinquency
(1, 2)
Low Risk of
Failure
(3, 2, 1)
High Risk of
Failure
(5, 4)
“STARS”
Healthy companies that not
only are prompt payers, but
also less likely to fail.
High Risk of Delinquency
(3, 5, 4)
“LONG TERM RISK”
Companies that are less likely to
experience failure, but are not
prompt in paying obligations.
“SHORT TERM RISK”
Rare. Companies that are regular
in payment but with a high risk of
failure.
“WATCH LIST”
Unhealthy companies that are
not prompt payers and are more
likely to fail.
Understanding D&B Data & Scores 34
35. Here is an example from a real portfolio
Understanding D&B Data & Scores 35
36. Paydex: how a Company Pays its Bills
PAYDEX Payment Summary
100
90
80
70
60
50
40
30
20
UN
Anticipate
Discount
Prompt
15 Days Beyond Terms
22 Days Beyond Terms
30 Days Beyond Terms
60 Days Beyond Terms
90 Days Beyond Terms
120 Days Beyond Terms
Unavailable
Understanding D&B Data & Scores 36
37. Paydex
What drives the PAYDEX score?
Terms of Sale / Payment Manner
Dollar Amount
Number of Experiences
Trade Experiences
Updated/Removed – Dynamic
Note: The PAYDEX calculation
compares payments to ‘terms of
sale’, is dollar weighted, and scores
the overall manner of payment
reported to D&B (Prompt, Slow,
Discount, Placed for Collection)
PAYDEX availability rules are:
Need a minimum of 3 trade
experiences, with a minimum of 2
unique trade suppliers
Up to 874 trade experiences can be
used (always the most current)
Must be reported within a 24 month
period
Understanding D&B Data & Scores 37