Establishment and analysis of the credit risk profile in a Romanian retail bank
In order to protect its stakeholders and clients interests, a bank assumes a cautious credit risk profile, correlated to the objectives established in its business strategy. This article presents the credit risk profile and the analysis of the factors involved in the estimation of the probability and the impact of the credit risk upon the loan portfolio in a Romanian retail bank. In the final part, the authors show how the analysis results affect the bank’s credit policy.
|Date of creation:||24 Nov 2008|
|Date of revision:||24 Nov 2008|
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