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Credit policy

The credit policy was updated as a result of regular reviews of the loan process, to include compliance with internal regulations, the necessity to update the credit risk parameters arising from the PFSA recommendations and the amended Risk Strategy for 2016.


The key changes introduced in 2016 with regard to the consumer loan portfolio include:

At the same time, the Bank is working on implementation of changes to the cash loan process in 2017, involving among others introduction of a new scoring model and amendments to loan policy, comprising linking the maximum exposure to customer’s income and risk profile and changing the sales model intended for Bank’s customers.

Institutional clients

Key changes regarding the institutional clients portfolio include: