Credit Information Bureau (eCIB)

 About CIB:

The role of Credit Information Bureau is integral to credit risk management and the promotion of a sound credit culture in financial system. The existence of well functioning credit bureau promotes prudence and professionalism among financial institutions, adoption of best business practices and making informed and responsible lending decisions in timely manners.

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For speedy redressal of eCIB data related reporting issues and grievances of users and stakeholders of eCIB database, an exclusive eCIB helpdesk is established in State Bank of Pakistan. The complaints can be lodged either on line or through surface mail as detailed below:

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A Credit Information Bureau is an organization that collects and collates credit data on borrowers from its member financial institutions. The financial data is then aggregated in system and the resulting information (in the form of credit reports) is made available on request to contributing member financial institutions for the purposes of credit assessment, credit scoring and credit risk management. The major purpose of this database is to enable the financial institutions to know the credit history of their prospective customers thus enabling them to make a more prudent decision.

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