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Cognition Report

The Cognition Report provides qualitative analysis and summarises the level of risk of transacting with entities on a credit basis. Using Coface propriety intelligence, a full and complete analysis per individual debtor is compiled. Uniform methods of rating are used for both local and international debtors. These risk factors are then consolidated into a simplified single number representation, creating an independent and objective rating.
 
Additional benefits include buyer matching via the EASY repository unique identifier, to ensure you are trading with the correct entity. This presents a single numerical identification system for all commercial entities globally, providing validation against legal entity mis-representation, as a mitigating factor against probable losses. This systematic data validation also assists with basic compliance to the National Credit Act.
Cognition Report
BENEFITS
Analyst Summary
 
A formal summarised opinion by a Credit Risk Analyst providing an expert view of the strength and weakness in your outstanding book. Together with a summarised industry or sectorial overview with opinion on current trends and concerns within the applicable market. This will be accompanied by a full explanation of notations and probabilities of default as a formalised tool to maximise the benefit of the report.
 
Debtor Risk Band
 
This shows the volume of debtors per individual rating within the risk categories and allows insight into the quality of debtors in the industry. It also benchmarks quality of debtors to the industry average and against your competitors.
 
Credit Risk Exposure
 
This shows the receivables exposure by risk weighting, pre-empting collections and bad debt risk and allows insight into the average level of credit risk within the industry. It also benchmarks quality of receivables to the industry average and against your direct competitors. Assists you in the determining of bad debt provisions.
 
Risk Breakdown Summary
 
Apportions debtors into risk categories and indicates Coface's categorisation of "investment grade" and "non-investment grade" receivables weighting. Provides benchmark of industry average and assists in quantifying the strength of internal credit controls.

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