+Borrower-level information from internal sources

Borrower-level information from internal sources

CorporatesNegative trend in internal rating Unpaid cheques Significant change in liquidity profile Liabilities (leverage) (e.g. equity/total < 5% or < 10%) Number of days past due Number of months with any overdraft/overdraft exceeded Profit before taxes/revenue (e.g. ratio < –1%) Continued losses Continued excess in commercial paper discount Negative own funds Payment delays Decrease in turnover Reduction in credit lines related to trade receivables (e.g. year-on-year variation, 3 million average/1 year average) Unexpected reduction in undrawn credit lines (e.g. undrawn amount/total credit line)
IndividualsNegative trend in behavioural scoring Negative trend in PD and/or internal rating Mortgage loan instalment > x credit balance Mortgage and consumer credit days past due Decrease in the credit balance > 95% in the last 6 months Average total credit balance < 0.05% of total debt balance Forborne Related historic loss rates Decrease in payroll in the past 3 months Unemployment Early arrears (e.g. 5–30 days past due, depending on portfolio/borrower types) Reduction in bank transfers in current accounts Increase in loan instalment over the payroll ratio Number of months with any overdraft exceeded Negative trend in behavioural scoring Negative trend in PD and/or internal rating

1. Forbhreathnú

,

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

Ceanglais

3. Caighdeáin ghaolmhara

Caighdeáin
  • EBA - Published by the European Banking Authority at https://www.eba.europa.eu/