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 the promotional bank for North Rhine-Westphalia, NRW.BANK supports the state in its structural and economic policy tasks. It acts on behalf of the public, competitively neutral, and uses the entire spectrum of credit-based promotional products - from the classic loan to tailored consulting. 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 are owner-occupiers or tenants within defined income limits. In the case of owner-occupiers, the promotion takes place directly within the framework of property promotion, tenants are indirectly promoted through the granting of credit to investors in public housing promotion. Within the framework of housing promotion, NRW.BANK acts as a lender. This includes the entire chain from credit analysis to credit processing, property valuation to problem loan processing. In new business, the credit process is preceded by the examination of the promotional prerequisites 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 a "market follower". This is followed in the existing business by credit care and processing including annual credit monitoring for the entire duration of the business relationship. The existing portfolio of NRW.BANK in housing promotion amounts to approx. 15 billion euros and comprises around 8,000 tenants investors in a heterogeneous structure (in particular private tenants investors, classic housing industry with municipal or cooperative background or capital market reference, investors with charitable background). NRW.BANK produces around 2,500 credit applications (= aggregation to risk units) in new business and as part of the annual credit monitoring. In property promotion, new business is carried out entirely by municipal approval authorities without a credit-related vote by NRW.BANK. The bank handles credit care and processing in new and existing business up to problem loan processing. The existing portfolio comprises around 2 billion euros with over 40,000 customers.