FY2026-H1First statedAnnual report
「We have begun offering “Credit Rating Change Watch,” an analysis model for financial institutions that uses AI to accurately predict when a company that a financial institution has classified as a “Normal” obligor for credit-rating purposes may rapidly deteriorate into a “Bankrupt” obligor. Under conventional credit management practices, it was difficult to predict a rapid deterioration in a company’s financial condition and respond quickly, making it difficult to take adequate measures. By implementing “Credit Rating Change Watch,” financial institutions can not only use AI to accurately predict a rapid change from “Normal,” but also visualize in graphs the trends in data that contributed to the prediction, supporting appropriate follow-up with borrowers and helping to contain credit costs.」
We began offering financial institutions an analysis model that uses AI to predict the likelihood of a rapid change in credit classification from “Normal” to “Bankrupt” and visualizes trends in the data underlying the prediction.