About Credit Information Bureau (CIB)

Credit Information Bureau of Bhutan (CIB) is an entity that receives credit information from member institutions, consolidates and makes credit reports available to them. CIB will facilitate the FIs in improving the quality of assets. The Bureau will also access FIs in making proper credit decision upon the complete information and historical repayment record.

Creditors can make informed decisions about lending to prospective borrowers after analyzing the credit report disseminated by the Bureau. The CIB will protect consumers by guarding against financial mismanagement in the form of credit rationing system (based on capabilities to service debt obligation).

The Bureau will provide information that positively or negatively affects creditworthiness through the facilitation of credit information sharing and it facilitate large volume access to uncollateralized credit by reducing the cost and turnaround time of credit evaluation and decisions.