Basel II simplifies management of credit portfolios, says BIS

“Banks will be able to recognise the performance of their credit portfolios way before an impairment or default has occurred. This is because the PD will increase with the poor performance of a loan and banks will not have to wait for recognition of an accounting loss to institute corrective measures.

“It is certainly good news to know that banks can stop a borrower from reaching a point of default by following their PD estimates, which the banks are required to establish under the internal

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