{"id":4,"date":"2020-08-19T16:08:38","date_gmt":"2020-08-19T16:08:38","guid":{"rendered":"https:\/\/ifk-institut.de\/?page_id=4"},"modified":"2026-02-12T17:53:46","modified_gmt":"2026-02-12T17:53:46","slug":"accountant-home","status":"publish","type":"page","link":"https:\/\/ifk-institut.de\/en\/","title":{"rendered":"Startseite"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:4%;--awb-padding-bottom:150px;--awb-margin-top:0px;--awb-margin-bottom:50px;--awb-background-color:#ffffff;--awb-background-image:url(&quot;https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/09\/pexels-essow-936722-2-scaled.jpg&quot;);--awb-background-size:cover;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:6%;--awb-padding-bottom:6%;--awb-padding-left:4%;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"font-family:&quot;Roboto&quot;;font-style:normal;font-weight:400;margin:0;\">Institute for Credit Analysis<\/h2><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-top:0px;margin-bottom:35px;width:100%;max-width:100px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#213d65;border-color:#213d65;border-top-width:2px;\"><\/div><\/div><div class=\"fusion-text fusion-text-1\" style=\"--awb-text-transform:none;\"><p class=\"translation-block\"><span style=\"color: #10069f\">The Institute for Credit Analysis (IfK)<\/span> develops systems, methods, and models for financial\ninstitutions and corporates to support the assessment and monitoring of credit exposures, and\noffers specialized training programs and in-house seminars in credit risk analysis and\nfinancial modeling.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><div ><a class=\"fusion-button button-flat button-large button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:20px;--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;--button_gradient_top_color:#10069f;--button_gradient_bottom_color:#10069f;--button_gradient_top_color_hover:rgba(16,6,159,0.85);--button_gradient_bottom_color_hover:rgba(16,6,159,0.85);\" target=\"_blank\" rel=\"noopener noreferrer noopener\" href=\"https:\/\/ifk-institut.de\/en\/about\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Learn more<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:4%;--awb-padding-bottom:0px;--awb-margin-top:0px;--awb-margin-bottom:50px;--awb-background-color:#ffffff;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:0%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0%;--awb-width-medium:50%;--awb-order-medium:0;--awb-margin-top-medium:0px;--awb-spacing-right-medium:0%;--awb-spacing-left-medium:0%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0%;--awb-spacing-left-small:0%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:left;--awb-margin-left:4%;--awb-max-width:300px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/05\/pexels-essow-936722-300x200.jpg\" alt class=\"img-responsive wp-image-6371\" srcset=\"https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/05\/pexels-essow-936722-200x133.jpg 200w, https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/05\/pexels-essow-936722-400x267.jpg 400w, https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/05\/pexels-essow-936722-600x400.jpg 600w, https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/05\/pexels-essow-936722-800x533.jpg 800w, https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/05\/pexels-essow-936722-1200x800.jpg 1200w\" sizes=\"(max-width: 640px) 100vw, 800px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:3%;--awb-padding-bottom:3%;--awb-padding-left:4%;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"font-family:&quot;Roboto&quot;;font-style:normal;font-weight:400;margin:0;\">Institute for Credit Analysis<\/h3><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-top:0px;margin-bottom:35px;width:100%;max-width:100px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#213d65;border-color:#213d65;border-top-width:2px;\"><\/div><\/div><div class=\"fusion-text fusion-text-2\" style=\"--awb-text-transform:none;\"><p class=\"translation-block\"><span style=\"color: #10069f\">The Institute for Credit Analysis (IfK)<\/span> develops systems, methods, and models for financial\ninstitutions and corporates to support the assessment and monitoring of credit exposures, and\noffers specialized training programs and in-house seminars in credit risk analysis and\nfinancial modeling.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><div ><a class=\"fusion-button button-flat button-large button-custom fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:20px;--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;--button_gradient_top_color:#10069f;--button_gradient_bottom_color:#10069f;--button_gradient_top_color_hover:rgba(16,6,159,0.85);--button_gradient_bottom_color_hover:rgba(16,6,159,0.85);\" target=\"_blank\" rel=\"noopener noreferrer noopener\" href=\"https:\/\/ifk-institut.de\/en\/about\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Learn more<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-video fusion-youtube\" style=\"--awb-max-width:1000px;--awb-max-height:563px;--awb-align-self:center;--awb-width:100%;--awb-margin-top:4%;--awb-margin-bottom:6%;\" itemscope itemtype=\"http:\/\/schema.org\/VideoObject\"><meta itemprop=\"thumbnailUrl\" content=\"https:\/\/i3.ytimg.com\/vi\/gmZI5VU0HgI\/hqdefault.jpg\" \/><meta itemprop=\"embedUrl\" content=\"https:\/\/www.youtube.com\/embed\/gmZI5VU0HgI\" \/><div class=\"video-shortcode\"><lite-youtube videoid=\"gmZI5VU0HgI\" class=\"landscape\" params=\"wmode=transparent&autoplay=1&amp;enablejsapi=1\" title=\"YouTube video player 1\" data-button-label=\"Play Video\" width=\"1000\" height=\"563\" data-thumbnail-size=\"auto\" data-no-cookie=\"off\"><\/lite-youtube><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--link_color: #ffffff;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-bottom:0px;--awb-padding-top-small:40px;--awb-padding-right-small:20px;--awb-padding-bottom-small:0px;--awb-padding-left-small:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:5%;--awb-padding-right:3%;--awb-padding-bottom:5%;--awb-padding-left:3%;--awb-bg-color:var(--awb-color3);--awb-bg-color-hover:var(--awb-color3);--awb-bg-image:linear-gradient(90deg, var(--awb-color3) 0%,var(--awb-color2) 100%);--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:0%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0%;--awb-spacing-left-medium:0%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-padding-top:10px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:3.2%;--awb-spacing-left-medium:3.2%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:0px;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top:1%;--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">CreditPlan+<\/h3><\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-text-color:#000000;--awb-margin-top:20px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left sm-text-align-center\" style=\"margin:0;\">The projection and risk tool for front office and credit risk management<\/h5><\/div><div class=\"fusion-text fusion-text-3 sm-text-align-center\" style=\"--awb-font-size:16px;--awb-line-height:24px;--awb-text-transform:none;--awb-text-color:#000000;--awb-margin-top:20px;--awb-text-font-family:&quot;Roboto&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>CreditPlan+ is our solution for sound financial planning within the credit process \u2013 simple,\nefficient, and aligned with regulatory requirements. With only a few clicks, CreditPlan+\nenables projections of <b>cash flow generation<\/b> and <b>debt service capacity <\/b>of corporate clients and\neven allows <b>automated sensitivity analyses<\/b> in accordance with EBA Guidelines 2020\/06.<\/p>\n<p>Whether used in the front office or in credit risk management, <b>CreditPlan<\/b><b>+<\/b> supports our clients in making better credit decisions and in unlocking business potential in corporate\nlending.<\/p>\n<\/div><div style=\"text-align:left;\"><a class=\"fusion-button button-flat button-large button-custom fusion-button-default button-3 fusion-button-default-span fusion-button-default-type fusion-has-button-gradient\" style=\"--awb-margin-top:20px;--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;--button_gradient_top_color:var(--awb-color8);--button_gradient_bottom_color:var(--awb-color7);--button_gradient:radial-gradient(circle at center center,var(--awb-color8) 0%,var(--awb-color7) 100%);--button_gradient_top_color_hover:rgba(16,6,159,0.85);--button_gradient_bottom_color_hover:rgba(16,6,159,0.85);\" target=\"_blank\" rel=\"noopener noreferrer noopener\" href=\"https:\/\/ifk-institut.de\/en\/creditplan\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Learn more<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--link_color: #ffffff;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-bottom:0px;--awb-padding-top-small:40px;--awb-padding-right-small:20px;--awb-padding-bottom-small:0px;--awb-padding-left-small:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:5%;--awb-padding-right:3%;--awb-padding-bottom:5%;--awb-padding-left:3%;--awb-bg-color:var(--awb-color3);--awb-bg-color-hover:var(--awb-color3);--awb-bg-image:linear-gradient(90deg, var(--awb-color3) 0%,var(--awb-color2) 100%);--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:0%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0%;--awb-spacing-left-medium:0%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-padding-top:10px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:3.2%;--awb-spacing-left-medium:3.2%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:0px;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top:1%;--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">CreditPlan+<\/h3><\/div><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-text-color:#000000;--awb-margin-top:20px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left sm-text-align-center\" style=\"margin:0;\"><p style=\"text-align: left;\">The projection and risk tool for front office and credit risk management<\/p><\/h5><\/div><div class=\"fusion-text fusion-text-4 sm-text-align-center\" style=\"--awb-content-alignment:left;--awb-font-size:16px;--awb-line-height:24px;--awb-text-transform:none;--awb-text-color:#000000;--awb-margin-top:20px;--awb-text-font-family:&quot;Roboto&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p style=\"text-align: left;\">CreditPlan+ is our solution for sound financial planning within the credit process \u2013 simple,\nefficient, and aligned with regulatory requirements. With only a few clicks, CreditPlan+\nenables projections of <b>cash flow generation<\/b> and <b>debt service capacity <\/b>of corporate clients and\neven allows <b>automated sensitivity analyses<\/b> in accordance with EBA Guidelines 2020\/06.<\/p>\n<p style=\"text-align: left;\">Whether used in the front office or in credit risk management, <b>CreditPlan<\/b><b>+<\/b> supports our clients in making better credit decisions and in unlocking business potential in corporate\nlending.<\/p>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat button-large button-custom fusion-button-default button-4 fusion-button-default-span fusion-button-default-type fusion-has-button-gradient\" style=\"--awb-margin-top:20px;--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;--button_gradient_top_color:var(--awb-color8);--button_gradient_bottom_color:var(--awb-color7);--button_gradient:radial-gradient(circle at center center,var(--awb-color8) 0%,var(--awb-color7) 100%);--button_gradient_top_color_hover:rgba(16,6,159,0.85);--button_gradient_bottom_color_hover:rgba(16,6,159,0.85);\" target=\"_blank\" rel=\"noopener noreferrer noopener\" href=\"https:\/\/ifk-institut.de\/en\/creditplan\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Learn more<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-padding-bottom-medium:60px;--awb-padding-bottom-small:40px;--awb-margin-bottom:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_5_6 5_6 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:83.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.304%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:4.608%;--awb-width-medium:50%;--awb-spacing-right-medium:30px;--awb-spacing-left-medium:30px;--awb-width-small:80%;--awb-spacing-right-small:0px;--awb-margin-bottom-small:10px;--awb-spacing-left-small:0px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:30px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">The Challenge of Credit Risk Management<\/h4><\/div><div class=\"fusion-text fusion-text-5\" style=\"--awb-text-transform:none;\"><p>For our clients in banking as well as in leasing and factoring companies we develop systems,\nmethods, and models for the assessment and monitoring of credit exposures. In doing so, we\ncombine academic research with many years of practical and project experience.<\/p>\n<p>F\u00fcr unsere Kunden im Bereich Kreditinstitute, Leasing- und Factoringgesellschaften sowie aus dem Treasury und Forderungsmanagement von Unternehmen entwickeln wir Systeme, Methoden und Modelle zur Beurteilung und \u00dcberwachung von Kreditengagements. Dabei verbinden wir wissenschaftliche Forschung mit langj\u00e4hriger Praxis- und Projekterfahrung.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat button-large button-custom fusion-button-default button-5 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:20px;--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;--button_gradient_top_color:#10069f;--button_gradient_bottom_color:#10069f;--button_gradient_top_color_hover:rgba(16,6,159,0.85);--button_gradient_bottom_color_hover:rgba(16,6,159,0.85);\" target=\"_blank\" rel=\"noopener noreferrer noopener\" href=\"https:\/\/ifk-institut.de\/en\/beratung\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Learn more<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-color:#e2e2e2;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-background-color:rgba(255,255,255,0);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"width:calc( 100% + 0px ) !important;max-width:calc( 100% + 0px ) !important;margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-animated\" style=\"--awb-padding-top:4vw;--awb-padding-right:4vw;--awb-padding-bottom:4vw;--awb-padding-left:4vw;--awb-padding-top-medium:8vw;--awb-padding-right-medium:8vw;--awb-padding-bottom-medium:8vw;--awb-padding-left-medium:8vw;--awb-bg-color:#afafaf;--awb-bg-color-hover:#afafaf;--awb-bg-image:linear-gradient(139deg, #10069f 40%,rgba(16,6,159,0.5) 100%),url(https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/01\/03.jpg);;--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\" data-animationtype=\"fadeInDown\" data-animationduration=\"1.3\" data-animationoffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/01\/03.jpg\"><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:#ffffff;--awb-margin-top:0px;--awb-margin-bottom:30px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:24px;--awb-margin-left-small:0px;--awb-sep-color:#e2e2e2;--awb-font-size:22px;\"><h4 class=\"fusion-title-heading title-heading-left\" style=\"font-family:&quot;Inter&quot;;font-style:normal;font-weight:600;margin:0;text-transform:none;font-size:1em;\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\">\n<p class=\"title-heading-left fusion-responsive-typography-calculated\">Inhouse Academy: Credit Analysis<\/p>\n<\/div><\/h4><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-bottom:40px;width:100%;max-width:15%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#ffffff;border-color:#ffffff;border-top-width:2px;\"><\/div><\/div><div class=\"fusion-text fusion-text-6\" style=\"--awb-font-size:16px;--awb-line-height:1.8;--awb-letter-spacing:0px;--awb-text-color:#ffffff;--awb-margin-right:15%;--awb-text-font-family:&quot;Inter&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>This course is a flexible, tailor-made training program delivered directly within your\norganization, enabling financial institutions to strengthen credit risk analysis capabilities and\nmake more informed lending decisions.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;flex-grow:1;margin-bottom:7vw;width:100%;\"><div class=\"fusion-separator-border sep-double\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#e2e2e2;border-color:#e2e2e2;border-top-width:0px;border-bottom-width:0px;\"><\/div><\/div><div ><a class=\"fusion-button button-flat button-large button-custom fusion-button-default button-6 fusion-button-default-span\" style=\"--awb-margin-right:30px;--button_bevel_color:#5db072;--button_bevel_color_hover:#5db072;--button_accent_color:#27381a;--button_border_color:#ffffff;--button_accent_hover_color:#ffffff;--button_border_hover_color:#ffffff;--button_border_width-top:0px;--button_border_width-right:0px;--button_border_width-bottom:0px;--button_border_width-left:0px;--button-border-radius-top-left:0px;--button-border-radius-top-right:0px;--button-border-radius-bottom-right:0px;--button-border-radius-bottom-left:0px;--button_gradient_angle:190deg;--button_gradient_top_color:#ffffff;--button_gradient_bottom_color:#ffffff;--button_gradient_top_color_hover:#27381a;--button_gradient_bottom_color_hover:#27381a;--button_text_transform:none;--button_typography-letter-spacing:0px;--button_typography-font-family:&quot;Inter&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/ifk-institut.de\/en\/inhouse-akademie-kreditanalyse\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Seminar details<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-animated\" style=\"--awb-padding-top:4vw;--awb-padding-right:4vw;--awb-padding-bottom:4vw;--awb-padding-left:4vw;--awb-padding-top-medium:8vw;--awb-padding-right-medium:8vw;--awb-padding-bottom-medium:8vw;--awb-padding-left-medium:8vw;--awb-bg-color:#afafaf;--awb-bg-color-hover:#afafaf;--awb-bg-image:linear-gradient(139deg, #008afb 40%,rgba(0,138,251,0.7) 100%),url(https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/01\/02.jpg);;--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\" data-animationtype=\"fadeInUp\" data-animationduration=\"1.3\" data-animationoffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/01\/02.jpg\"><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:#ffffff;--awb-margin-top:0px;--awb-margin-bottom:30px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:24px;--awb-margin-left-small:0px;--awb-sep-color:#e2e2e2;--awb-font-size:26px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"font-family:&quot;Inter&quot;;font-style:normal;font-weight:600;margin:0;text-transform:none;font-size:1em;\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\">\n<p class=\"title-heading-left fusion-responsive-typography-calculated\">Financial Modeling for Project Finance<\/p>\n<\/div><\/h2><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-bottom:40px;width:100%;max-width:15%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#ffffff;border-color:#ffffff;border-top-width:2px;\"><\/div><\/div><div class=\"fusion-text fusion-text-7\" style=\"--awb-font-size:16px;--awb-line-height:1.8;--awb-letter-spacing:0px;--awb-text-color:#ffffff;--awb-margin-right:15%;--awb-text-font-family:&quot;Inter&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>This seminar covers everything from the fundamentals of model construction to complex\nmodeling issues in a hands-on approach through the practical development and analysis of a\ncomplete financing model for project finance projects.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;flex-grow:1;margin-bottom:7vw;width:100%;\"><div class=\"fusion-separator-border sep-double\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#e2e2e2;border-color:#e2e2e2;border-top-width:0px;border-bottom-width:0px;\"><\/div><\/div><div ><a class=\"fusion-button button-flat button-large button-custom fusion-button-default button-7 fusion-button-default-span\" style=\"--awb-margin-right:30px;--button_bevel_color:#5db072;--button_bevel_color_hover:#5db072;--button_accent_color:#27381a;--button_border_color:#ffffff;--button_accent_hover_color:#ffffff;--button_border_hover_color:#ffffff;--button_border_width-top:0px;--button_border_width-right:0px;--button_border_width-bottom:0px;--button_border_width-left:0px;--button-border-radius-top-left:0px;--button-border-radius-top-right:0px;--button-border-radius-bottom-right:0px;--button-border-radius-bottom-left:0px;--button_gradient_angle:190deg;--button_gradient_top_color:#ffffff;--button_gradient_bottom_color:#ffffff;--button_gradient_top_color_hover:#27381a;--button_gradient_bottom_color_hover:#27381a;--button_text_transform:none;--button_typography-letter-spacing:0px;--button_typography-font-family:&quot;Inter&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/ifk-institut.de\/en\/seminar-financial-modeling-fuer-projektfinanzierungen\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Seminar details<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-animated\" style=\"--awb-padding-top:4vw;--awb-padding-right:4vw;--awb-padding-bottom:4vw;--awb-padding-left:4vw;--awb-padding-top-medium:8vw;--awb-padding-right-medium:8vw;--awb-padding-bottom-medium:8vw;--awb-padding-left-medium:8vw;--awb-bg-color:#f4f4f4;--awb-bg-color-hover:#f4f4f4;--awb-bg-image:linear-gradient(141deg, #ffffff 36%,rgba(255,255,255,0.7) 100%),url(https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/01\/04-1.jpg);;--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\" data-animationtype=\"fadeInDown\" data-animationduration=\"1.3\" data-animationoffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/01\/04-1.jpg\"><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:#000000;--awb-margin-top:0px;--awb-margin-bottom:30px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:24px;--awb-margin-left-small:0px;--awb-sep-color:#e2e2e2;--awb-font-size:26px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"font-family:&quot;Inter&quot;;font-style:normal;font-weight:600;margin:0;text-transform:none;font-size:1em;\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\">\n<div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\">\n<p class=\"title-heading-left fusion-responsive-typography-calculated\">Cash Flow Modeling for Real Estate<\/p>\n<\/div>\n<\/div><\/h2><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-bottom:40px;width:100%;max-width:15%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#000000;border-color:#000000;border-top-width:2px;\"><\/div><\/div><div class=\"fusion-text fusion-text-8\" style=\"--awb-font-size:16px;--awb-line-height:1.8;--awb-letter-spacing:0px;--awb-text-color:#000000;--awb-text-font-family:&quot;Inter&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>The seminar focuses on practical, project-oriented modeling techniques for real estate\nprojects, and covers everything from basic model structure to complex real estate financing\nand risk analysis.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;flex-grow:1;margin-bottom:7vw;width:100%;\"><div class=\"fusion-separator-border sep-double\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#e2e2e2;border-color:#e2e2e2;border-top-width:0px;border-bottom-width:0px;\"><\/div><\/div><div ><a class=\"fusion-button button-flat button-large button-custom fusion-button-default button-8 fusion-button-default-span\" style=\"--awb-margin-right:30px;--button_bevel_color:#5db072;--button_bevel_color_hover:#5db072;--button_accent_color:#fcfcfc;--button_border_color:#ffffff;--button_accent_hover_color:#fcfcfc;--button_border_hover_color:#ffffff;--button_border_width-top:0px;--button_border_width-right:0px;--button_border_width-bottom:0px;--button_border_width-left:0px;--button-border-radius-top-left:0px;--button-border-radius-top-right:0px;--button-border-radius-bottom-right:0px;--button-border-radius-bottom-left:0px;--button_gradient_angle:190deg;--button_gradient_top_color:#000000;--button_gradient_bottom_color:#000000;--button_gradient_top_color_hover:#333333;--button_gradient_bottom_color_hover:#333333;--button_text_transform:none;--button_typography-letter-spacing:0px;--button_typography-font-family:&quot;Inter&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/ifk-institut.de\/en\/immobilien\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Seminar details<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:50px;--awb-margin-top:80px;--awb-margin-bottom:80px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:4.8%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:4.8%;--awb-width-medium:40%;--awb-order-medium:0;--awb-spacing-right-medium:4.8%;--awb-spacing-left-medium:4.8%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img decoding=\"async\" width=\"1024\" height=\"683\" title=\"absolutvision-bSlHKWxxXak-unsplash\" src=\"https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/03\/absolutvision-bSlHKWxxXak-unsplash-1024x683.jpg\" alt class=\"img-responsive wp-image-6140\" srcset=\"https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/03\/absolutvision-bSlHKWxxXak-unsplash-200x133.jpg 200w, https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/03\/absolutvision-bSlHKWxxXak-unsplash-400x267.jpg 400w, https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/03\/absolutvision-bSlHKWxxXak-unsplash-600x400.jpg 600w, https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/03\/absolutvision-bSlHKWxxXak-unsplash-800x533.jpg 800w, https:\/\/ifk-institut.de\/wp-content\/uploads\/2022\/03\/absolutvision-bSlHKWxxXak-unsplash-1200x800.jpg 1200w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.2%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.2%;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:3.2%;--awb-spacing-left-medium:3.2%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-9\" style=\"--awb-text-transform:none;\"><p>In addition to our training and consulting services, we are actively involved in research and\nthe development of new models and methods. Our research results are regularly published in\nboth academic and professional journals. Below you will find a selection of publications from\nrecent years related to credit risk and credit risk analysis.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat button-large button-custom fusion-button-default button-9 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:20px;--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;--button_gradient_top_color:#10069f;--button_gradient_bottom_color:#10069f;--button_gradient_top_color_hover:rgba(16,6,159,0.85);--button_gradient_bottom_color_hover:rgba(16,6,159,0.85);\" target=\"_blank\" rel=\"noopener noreferrer noopener\" href=\"https:\/\/ifk-institut.de\/en\/research\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Learn more<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-4","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ifk-institut.de\/en\/wp-json\/wp\/v2\/pages\/4","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ifk-institut.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ifk-institut.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ifk-institut.de\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ifk-institut.de\/en\/wp-json\/wp\/v2\/comments?post=4"}],"version-history":[{"count":301,"href":"https:\/\/ifk-institut.de\/en\/wp-json\/wp\/v2\/pages\/4\/revisions"}],"predecessor-version":[{"id":6160,"href":"https:\/\/ifk-institut.de\/en\/wp-json\/wp\/v2\/pages\/4\/revisions\/6160"}],"wp:attachment":[{"href":"https:\/\/ifk-institut.de\/en\/wp-json\/wp\/v2\/media?parent=4"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}