At NB-RIC we provide reports on a debtor's non-bank debt relationship to help evaluate risk analysis.

When a risk analyst studies a loan operation, whether it is an individual or a legal entity, one of the key they need to analyze is the external debt held by the borrower applying for the loan. To analyze bank debt, financiers usually consult the Bank of Spain's CIRBE, which lists a large part of the debt that a borrower has with banks.

In recent years, following the 2008 crisis, the number of loans made by non-bank financers has not increased, and therefore they do not appear on the CIRBE.  Solutions such as P2P loan platforms, micro-lending entities as well as small financial operations more than 2 million loans per year, representing nearly 25% of the loans made in Spain; these figures continue to grow year by year at a rate of 40% per year.

For this reason, the Bank of Spain's CIRBE no longer efficiently covers the need for a risk analyst who wishes to know the external debt of a borrower, given that it will have a partial picture. NB-RIC is a report that shows a borrower's non-bank debt ratio, thus complementing the CIRBE and helping financiers to improve their risk analysis.

In addition, thanks to the use of new technologies, we can offer information in real time, reducing the risk of potential fraud that financiers usually suffer when a borrower acquires several loans "at once" from different financiers.