Case Study: Maybank achieves Basel II IRB compliance and faster automated credit risk ratings with ACTICO's Credit Risk Rating Platform

Maybank moves towards Basel II compliance, by using Credit Risk Rating Platform

Maybank, one of Indonesia’s largest banks with 400+ branches and 1,600+ ATMs, needed to replace its legacy risk‑rating system to meet Basel II IRB requirements and to improve accuracy, efficiency and business‑IT collaboration. To deliver a centralized, automated credit rating system with workflow automation and portfolio simulation, Maybank selected ACTICO’s Credit Risk Rating Platform built on ACTICO Rules.

ACTICO implemented the Credit Risk Rating Platform with bank‑specific scorecards, workflow‑based approvals, batch PD/EAD/LGD processing, reporting and model versioning, plus integration with Maybank’s enterprise data warehouse and Excel/manual inputs. The ACTICO solution empowered business users to manage models, reduced time‑to‑market and TCO, increased transparency and turnaround for corporate loan ratings, supported faster IRB adoption, and helped Maybank win the Financial Insights Innovation Award for Risk Management (2014).

Maybank

Leonardi Widjaja

Senior Vice President, Head of Basel and enterprise risk management