245. The credit risk monitoring framework should cover the following: a. the payment behaviour of …

The credit risk monitoring framework should cover the following:

a. the payment behaviour of borrowers, including any deviations from the requirements of credit agreements, including late, missed or partial payments;
b. credit risk associated with both the borrower and the transaction in relation to:
i. individual credit exposures and loss given default, when applicable;
ii. individual borrowers, including their exposure value, probability of default (PD) and credit rating, when applicable;
iii. group of connected clients;
iv. portfolio;
c. credit risk per geographical location and economic sector of ultimate exposure, when applicable;
d. impairments, reversals of impairments, write-offs and other decisions regarding value adjustments for a credit exposure.

1. Forbhreathnú

Teideal	Rialáil

Ceanglais
Foinse	Ceanglas

Caighdeáin
Foinse	Ceanglas

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