Germany – IT services: consulting, software development, Internet and support – NRW.BANK - KI-gestützte Datenextraktion aus Bonitätsunterlagen für den digitalen WRF-Kreditprozess

The subject of the tender is a contract for the following service: AI-supported data extraction from creditworthiness documents for the digital WRF loan process. As a promotional bank for North Rhine-Westphalia, NRW.BANK supports the state in its structural and economic policy tasks. It acts in the public interest, competitively neutral, and employs the entire spectrum of credit-based promotional products, from the classic credit to tailored advice. The three promotional areas of NRW.BANK are "Economy", "Housing" and "Infrastructure/Municipalities". Sustainability is a central guiding principle. NRW.BANK promotes the necessary transformation of North Rhine-Westphalia into a low-emission and climate-resilient economy and living environment. The "Public Housing Promotion" area represents one of the central promotional segments in the "Housing" promotional area. The target group consists of owner-occupiers or tenants within defined income limits. In the case of owner-occupiers, the promotion is provided directly within the framework of property promotion, while tenants are indirectly promoted through the granting of loans to investors in public rental housing promotion. Within the framework of rental housing promotion, NRW.BANK acts as a lender. This includes the complete chain from credit analysis, credit processing, property valuation to problem loan processing. In new business, the loan process is preceded by the examination of the promotional requirements and needs by municipal approval authorities, NRW.BANK makes the necessary credit decision in a 1-vote procedure after this third-party initiation and acts through the housing promotion area in the sense of the MaRisk as "market follow-up". This is followed in the existing business by credit management and processing, including annual credit monitoring for the entire duration of the business relationship. The existing portfolio of NRW.BANK in rental housing promotion amounts to approximately 15 billion euros and comprises around 8,000 tenants with a heterogeneous structure (in particular private tenants, classic housing industry with municipal or cooperative background or capital market reference, investors with a charitable background). NRW.BANK produces around 2,500 loan applications (aggregation into risk units) per year in new business and as part of the annual credit monitoring. In property promotion, new business is handled entirely by municipal approval authorities without a credit-based vote by NRW.BANK. The bank handles credit management and processing in new and existing business up to problem loan processing. The existing portfolio comprises approximately 2 billion euros with over 40,000 customers.