Developers of world-leading Credit Analytic Solutions

Aguais And Associates (AAA) was founded in 2014 to bring its proven, advanced Z-Risk Engine (ZRE) suite of solutions to Credit Risk teams globally. It enables Financial Institutions to meet key regulator initiatives for expected loan impairment, IFRS9/CECL and Stress Testing.

The AAA team brings over 160 years' combined experience in developing, validating and implementing advanced wholesale credit models. We have successfully achieved two Basel 2 Waivers at leading global investment banks and have pioneered dual PIT-TTC ratings. Our approach was first implemented in 2005 and our PIT-TTC solution was officially approved in these two Basel 2 Waivers.