1. Welcome to Cedar Rose Trading in the Middle East & North Africa
Angelique Assaf, MSc, CICP
Data Strategist
Cedar Rose International Services Ltd

2. Middle East & North Africa
Who we are
1. Introduction 2. Our Services
Middle East & North Africa
1. Overview 2. Trading in MENA 3. Challenges in MENA
Credit Information & Risk Analysis
1. Our Auto Risk Indicator (ARI) - Adding value to reporting 2. How to help the industry when Financial Info is missing

3. WHO WE ARE Introduction about me and the company
1. Introduction 2. Our Services
Introduction about me and the company
Established in 1997, Cedar Rose started in the UK as ABI Arab Business Information and later registered as Cedar Rose International Services Ltd with the motto “Strive for Excellence”.
Today, Cedar Rose operates mainly from offices in Cyprus and Lebanon with staff who are highly qualified and multilingual, speaking English, Arabic, French and Greek languages amongst others.
The Middle East and North Africa has been the main focus of Cedar Rose for the past 20 years. Cedar Rose is known with the following:
The largest MENA database in the world
Pioneers in business intelligence, data acquisition and delivery
Technological innovators – singular to our sector

4. Our Services KYC Report Business Information Report
Company Credit Report
Our Services
Cedar Rose specializes in the Middle East, Africa & Asia providing business intelligence data and over 30 products including KYC reports, Business Information Report, Company Credit Reports, Individual and Company Due Diligence reports, Directorship & Shareholding Searches, Corporate Record Reports as well as a portfolio of other financial, research, analysis and data subscription and Electronic Identity & Verification (EID&V) services.
We now have also 2 new services: Monitoring and Auto Risk Indicator.
Individual and Company Due Diligence reports Directorship & Shareholding Searches
Monitoring Auto Risk Indicator

5. Middle East & North Africa Overview
The Middle East and North Africa, or the MENA region, is home to around 569 million people encompassing approximately 22 countries including:
Morocco
Algeria
Libya
Tunisia
Egypt
Oman
Yemen
Saudi Arabia
Qatar
Bahrain
Kuwait
Iraq
Iran
Sudan
Syria
Jordan
Lebanon
United Arab Emirates

6. Business in MENA Trading in MENA Challenges in MENA
The MENA region has always been a step behind Europe and North America with regards to credit reporting and availability of information, mainly because local companies are not required to file financial statements in most MENA countries. Cedar Rose has always aimed to keep that “step behind” as small as possible using the technology and several techniques to close the gap and keep MENA up to date.
Company Information [Centralized – Electronic – English]
Lack of Financial Information
Company Status
Arabic Language
Trade Names and Branches
Challenges in MENA

7. Credit Information & Risk Analysis
Automated Risk Indicator or ARI is a credit risk scorecard and proprietary scoring model developed and issued by Cedar Rose International Services Ltd, to evaluate a business risk level with a set of statistical indicators. ARI assigns a quantitative measure, to a business and that score reflects the risk level of the business in short-term credit repayment.
Our Auto Risk Indicator (ARI) - Adding value to reporting
An algorithm developed by the company that measures credit risk
Consistent
Accurate
A statistical model
A predictor of future performance based on previous experience
A value range from 0 to 100 with 0 being worst and 100 being best
An indicator of risk, size and performance of a business
An instant automated credit scoring system
HTML REPORT
WHITE LABEL API

8. ARI Logic System Score Exception Business Size Risk Rating Assessment
0-26
SMALL
High Risk
The business is more likely to be a SMALL entity with High Risk OR
MEDIUM
Very High Risk
The business could be a MEDIUM-sized or LARGE business with a score less than 26 which makes its Risk Rating: Very High
Medium Risk
The business is more likely to be a SMALL entity with Medium Risk
The business could be a MEDIUM-sized business with a score between which makes its Risk Rating: High
LARGE
The business could be a LARGE business with a score between which makes its Risk Rating: Very High
The business is more likely to be a MEDIUM-sized entity with Medium Risk
The business could be a LARGE business with a score between which makes its Risk Rating: High
The business is more likely to be a LARGE entity with Medium Risk
Low Risk
The business is more likely to be a LARGE entity with Low Risk

9. Algorithm Why use Cedar Rose Scorecard?
Advanced Tool Summary card credit score using artificial intelligence
2.5 Years Planning & Perfection Fields of Data Analysed using complex algorithms
Why use Cedar Rose Scorecard?
Improves operational efficiency.
Reduces operating costs
Has a standard and accurate means of analysis
Provides a flexible algorithm that can be challenged and improved by a Data Scientist
Provides broadly consistent results which represent a reliable best estimate
Reduces the guesswork involved in making everyday decisions
Provides an automatic determination of the level of risk of a business
It is objective and consistent
Relatively simple and easy to interpret

10. Credit Information & Risk Analysis
New facilities to accommodate trade reviews and verification
“TRADE RATE INITIATIVE”

11. Thank you Please feel free to ask any questions