Institutions · Sovereigns and Central Banks

# Systemic credit oversight across the corporate sector.

Aggregate, sectoral, and cross jurisdiction views of corporate credit health for supervisors and policy teams.

## A new credit operating layer

### What systemic credit surveillance looks like when AI actually works.

Central banks and supervisors have been monitoring corporate credit health on lagged, fragmented data. Most vendors offer either narrow data feeds or AI tools that lack the rigor required for policy work. AIR is the first platform built to give supervisors a continuously updated, defensible view of corporate credit at the sector and system level.

### Credit machine learning at the core

Twenty years of credit events across geographies. A statistical engine recalibrated daily, with consistent methodology that supports cross jurisdiction comparison.

Specialized ML at the core. Gen AI on top.

ML produces the credit signals. Gen AI generates surveillance reports, supports research workflows, and answers questions in natural language. Both, by design.

### Supervisory grade governance built in

Reproducible outputs. Full methodology documentation. No customer data used for training. Aligned with the standards expected of policy and research work.

## Workflows accelerated

### What AIR does for sovereigns and central banks.

01

#### Aggregate corporate sector surveillance

Continuously updated views of the corporate sector, with breakdowns by geography, industry, and rating.

02

#### Sectoral credit health monitoring

Forward looking signals at the sector level. Identify stress before it shows up in defaults.

03

#### Financial stability indicators

Composite indicators of corporate credit health for financial stability monitoring.

04

#### Cross jurisdiction comparison

Consistent methodology supports comparison across countries and regions.

05

#### Macro financial linkages

Map credit signals to macro variables for research and policy modeling.

06

#### Systemic concentration analysis

Concentration views across the corporate sector, by issuer, sector, and geography.

07

#### SME credit assessment at scale

Coverage on small and medium enterprises that traditional ratings do not reach.

08

#### Supervisory stress testing inputs

Forward looking PDs and scenarios usable as inputs to supervisory stress testing exercises.

09

#### Bank book oversight and benchmarking

Independent views on the corporate exposures held by banks under your supervision.

10

#### Research and policy modeling

Reproducible outputs and structured data for research papers, policy analysis, and working papers.

## The AI layer

### An AI layer fit for supervisory and policy workflows.

A sample of the surfaces. The AI layer reaches further across every credit workflow.

- #### Credit Agent

Natural language queries on any sector or geography.

- #### Auto Reports

Surveillance reports generated on schedule.

- #### Scenario Analysis

Conversational scenario and shock analysis.

- #### Document Intelligence

Filings parsed across jurisdictions.

- #### Cited Explanations

Outputs grounded in source data.

- #### Reproducible Outputs

Aligned with research and policy standards.