The Valuation services we provide during the lending stage aim to define the market value of bank guarantees and manage the entire life cycle of the accounts, from initial receipt to final delivery to the Bank.

The Loan Services offered by RINA Prime Value Services comply with the Italian Banking Association (ABI) regulations, as well as Memorandum n. 285 issued by the Bank of Italy, ECB regulations, and IFRS 9 accounting standards. Our activity allows to accurately identify Market Value while providing a multi-perspective compliance investigation (e.g. administrative, town planning, building, and cadastral) of the assets offered as security for lines of credit and/or during the credit monitoring stage.

Origination

• Appraisals conducted during the lending and loan management stage for Retail, Corporate, and High Corporate assets
• Diversified support in Retail, Small Business and Corporate Lending (Secured Credit, Building Loans, Building Loans under planning agreement, Industrial, Hotel, Agriculture, and Renewable Energy Loans)
• An innovative market monitoring dashboard
• Management applications fully integrated with the Bank’s own systems

Leasing

• Valuation, Due Diligence, and Construction Site Progress Reporting for Lending and Portfolio Management
• Global Service on repossessed real estate assets
• Valuation and Technical Regularisation services during the pre-sale of repossessed assets

Credit Risk Mitigation

• Periodic revaluation of both performing and non-performing loan portfolios
• Assessment of future losses on guaranteed loans, in compliance with the new IFR 9 accounting standards, ECB regulations, and Bank of Italy Memorandums n. 285 – 385
• Clustering and identification of the appropriate investigation approaches (Desktop, Drive-by, Full), criteria for portfolio-level sample expansion
• Mass Appraisals and Automated Valuation Models (AVM)

Asset Quality Review

Support for Central Monetary Institutions and Banks within the scopeof Comprehensive Assessment procedures commenced by the ECB.

The service may include more extensive activities such as:

• Data gathering and data collection on relevant portfolios
• Data quality enrichment based on diversified levels of detail

Operative and Strategic Valuation

Assistance for the Bank during the development and implementation of optimisation strategies for operating and management procedures within the scope of lending and handling credits secured by real estate assets and/or property rights.