CONCLUSION TO RETAIL CREDIT RISK MANAGEMENT II

As we can see from the above, professionalism in retail credit derives from the safety of the whole portfolio and not from a single borrower as is the case for corporate credit. We therefore make sure to follow all the steps and procedures shown above which will result in better control of retail credit risk. In addition, we note that the more we fine-tune the internal credit score over the passage of time, the greater the defensive wall that keeps retail credit risk within the bank’s risk appetite.