Provisions and Bank capital savings
Increase your capital ratio, recover loan loss and reduce your non-performing exposures by improving your data.

Improve your efficiency through Data
pfs has identified more than 30 areas of work in the loan portfolio data of credit and financial institutions that, once managed, become capital savings and immediate improvements in the income statement.
Proprietary methodology combining individual review of transactions with the application of advanced models. Experienced staff and proven results in most of the Spanish financial system.
Advantages of the pfs system for optimising capital and provisions
- Work to success. Charged only if there are results.
- Pre-diagnosis to validate data and identify savings.
- Short-term results (first savings in two months)
- No intrusion into day-to-day business. Uses information already available.
- Process fully documented and supported before audit and supervisors.
- Adaptable to any entity. Various options to focus on:
- Improve Capital.
- Reduce doubtful assets.
- Recover provisions.
Data Driven Efficiency
Banks need to reinforce their capital and improve their income statement
Do not forget to try us, you lose nothing and all those who have done so, have had results and have repeated.
SUCCESS CASES
Spanish Credit Institutions

Data Driven Efficiency
Several Spanish credit institutions have achieved the following results in recent years:
SUCCESS CASES
Portuguese Institutions

Data Driven Efficiency
In Portugal, the following results have been achieved in the last year:
SUCCESS CASES
Financial Institutions

Data Driven Efficiency
Financial institution dedicated to consumer finance: