NRW.BANK - AI-supported data extraction from creditworthiness documents for the digital WRF loan process

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 development bank for North Rhine-Westphalia, NRW.BANK supports the state in its structural and economic policy tasks. It acts on behalf of the public, neutrally in terms of competition, and uses the entire spectrum of credit-related promotional products - from classic loans to customized advice. The three promotional fields 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 towards a low-emission and climate-resilient economy and living environment. The "Public Housing Promotion" division represents one of the central promotional segments in the "Housing" field. The target group includes owner-occupiers or tenants within defined income limits. For owner-occupiers, promotion is provided directly within the scope of owner-occupier promotion; tenants are indirectly promoted through loans to investors in public rental housing promotion. In the context of rental housing promotion, NRW.BANK acts as a lender. This includes the entire chain from credit analysis and processing to real estate valuation and problem loan management. In new business, the loan process is preceded by the examination of eligibility criteria and need by municipal approval authorities; NRW.BANK makes the necessary credit decision in a 1-vote procedure after this third-party initiation and acts as "market follower" in the housing promotion division in accordance with MaRisk. This is followed in existing business by loan servicing and processing, including annual loan monitoring over the entire duration of the business relationship. The existing portfolio of NRW.BANK in rental housing promotion amounts to approx. EUR 15 billion and comprises approx. 8,000 rental investors with a heterogeneous structure (esp. private rental investors, classic housing industry with municipal or cooperative background or capital market connection, investors with charitable background). NRW.BANK prepares approx. 2,500 credit proposals (= aggregation to risk units) annually in new business and as part of annual loan monitoring. In owner-occupier promotion, new business is handled entirely by municipal approval authorities without a credit assessment by NRW.BANK. The bank handles loan servicing and administration in new and existing business up to problem loan management. The existing portfolio comprises approx. EUR 2 billion with over 40,000 customers.