Aires, Advanced Intelligent Risk Evalutation System
1.
2. Summary
Team
4 — with 10+ years experience in AI, Risk Analysis & marketing
2 PhD engineers, 1 PhD in Finance, 1 Marketing pro
Product
Accurate credit risk solution: help banks decrease # Non Performing Loans
3. Business opportunity
Boosting the accuracy of credit risk methodologies will lead to considerable gains.
Value non-performing loans - % Corporate Debt Default -
Europe
250
Portugal
4.5
4
2008
200 2009
3.5
3
150
2.5
2
100
1.5
50 1
0.5
0
0
Germany UK Spain It aly Russia Greece
2005 2006 2007 2008 2009
Source: Issue 2 of NP E
L urope, a publication overing non-performing loan (NPL) markets in Europe and the United Kingdom (UK).
7. AIRES - recent events
PRESS INTERESTED PARTNERS
DN (1 page), Sol, JN, I, S. Económico
8. AIRES benefits
Client Benefits Investor Benefits
Accuracy – better decisions Scalable
Efficiency - Cost Reduction High growth potential
Savings of Capital - Basle High return and value
creation
9. Market
$??? Market Today
Concentrated in 30 major customers
Distributed among another 500 minor
ones
No customer has market power
BANKS INSURANCES
10. Competition
SAS
Sage Works
3i-Infotech
Dun & Bradstreet
Experian
Equifax
Credirisk
Coface
We use more accurate AI tools. Our user interface is more
user-friendly
Decisions based on more reliable and accurate information
11. 3,000
Financials
Sales
EBIT
2,500
Free Cash Flow
2,000
1,500
K Euros
1,000
500
0
2011
2012
2013
2015
2016
2014
-500
Capital Employed Capital Invested: Pay-back: 2 Yrs
2011 2012 Total Value created: 10 M€
Fixed Assets: 26 k€
Equity: 200 k€ 120 k€ = 320 k€ Working Capital Working capital > 0
Debt: 70 k€ = 70 k€ Requirements: 22 k€ Liquidity – positive
Total 390 k€ Development: 342 k€ Debt ratio < 75%
Total 390 k€
12. Team
Business Director of IT Researcher Marketing
Director Research
João Carvalho das Neves Armando Vieira Bernardete Ribeiro Tiago Marques
Professor of Professor of Physics, & Associate Professor Marketing and
Management, ISEG. entrepreneur. Ph.D. in of Computer Business
Ph.D. in Business Physics and researcher Science, University Consultant,
Administration, in Artificial Intelligence Coimbra, E-Business
Manchester Business http://armando.sairmais.com researcher at Specialist
School CISUC.
http://pascal.iseg.utl.pt/~jcneves/ http://dei.uc.pt/bribeiro
13. Conclusion
A risk-free business is impossible.
However, “risk-free” risk models may be
not.
Team experienced in the sector & prototype
Product quickly in market & changes the market
Market hundred millions & growing – BASEL III
Competition manageable
Low capital requirements
high growth and value potential
Hinweis der Redaktion
Boosting the accuracy of credit risk methodologies used by banks and financial institutions may lead to considerable gains. Default rate in Portugal has more than double in the past 5 years Similary in Europe NPL increase by over 25%, many as much as 50% 620 billion euros in 2009 For example, improving the accuracy of credit risk assessment models by only 1% may lead to a gain in banking sector of about 50 million Euros - in Portugal alone
Agreement to test AIRES within Finibanco B2B, SaaS and integration with SAS Miguel Cadilhe , Chairman of the Advisory Board António de Sousa , President of the Portuguese Banks Association (APB) has proposed a collaboration with IFB or ISGB (The training branches of the APB) Diário Noticias Publico Jornal O Sol
Client Benefit Fast, fully adaptable, performance and accuracy Commercial Benefits Cost Reduction Investor Scale Negócio que irá permanecer com alta procura ROI Of the team An experienced team, where the whole is far greater than the sum of its parts
. Market size in Portugal ~ 30 banks, 40 insurances, 10 consulting, 500 potential companies & Government . International: 1 000 banks in Europe. internacionais, insurances, consulting, potential companies & Government e união euopeia
Atenção João rever: $X M Market Today Concentrated in 30 major customers Distributed among another 500 minor ones No one customer has market power