Case Study: OTP Bank achieves more accurate, faster loan risk decisions with Presidion

Statistical Modeling Used To Identify Hidden Predictors In Loan Applications, Reduce Defaults And Increase Capital Reserves

OTP Bank, a leading Hungarian bank and member of the OTP Group, needed to speed up and improve the accuracy of its mortgage, loan, and lease application decisions while reducing the risk of defaults. To support faster, evidence-based credit approvals, OTP Bank turned to Presidion’s statistical modeling and predictive analytics solution, using IBM SPSS Modeler.

Presidion implemented a solution that analyzed hundreds of KPIs from multiple data sources to uncover hidden patterns in applicant risk and profitability. As a result, OTP Bank reduced loan defaults, improved the accuracy of its predictive models, increased capital reserves, and made revenue forecasts more precise by better anticipating payment changes and market fluctuations.

OTP Bank

Tamás Tóth

Head of Analysis and Modeling