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~1 What is Credit Rabie 7
DA Credit sala oint et view)
coal agency ST OPA OT sate
and__oeadinors” oh sodividual go lerensnent
— Se
W) Credit oat not any ely. Me Cot bo TP
Joads, to thane Yolye peel me
Recison
2 ‘hak ane Le sala agencies 2 Tadial
VCRISI = Credit is emvicel
Les ie “ha sente:
— 2) ITCRA = Tntertment maa ae a
a Ae Ga ales soak ese isiy
pack york Raking Tabla hive Lien) :
iy YT oe cbc Natosten “anki ——
Re wile ing J 7 “
fe —
aha ane Yeo di Mere nt naling gral Ta cool onl
Sabo I {ta 0 C \evel of sale) cooly
4 Sonali icieg & ts —
oe I S 5 3 :
s [Wish demos at _Sabely
| N
—e — Meal Toque 5 —salely
Sat
| Moderabe deuce 4
4Vows Coo) vahing Ayn doh aie
I ivalvalionVanseas a) \aylaliny Danere
I | {
Vebl Kejuenend Kconounic
Jeuel Wis havy. Beoironean!
1 Vinancial
)Stalenunl
)Vinanciol.shaleinent: + Analyelng Valance sherk, hneamne
1) slaleinen |, and...cosh ‘ow alalerren}:
i Webh lee] + Assessing \ea.mounte.and laje al
{. xls Ling deb).
ii) Refayment Nishory *. Reviewing Lhe, fast jaune al
eee Vehavioe and deans, .
iW) E-conamie.Senvisenman |! Considering _ induskay \rends,
| and eeonernie. Vorecasl:
it
Regulalony Tranework 1 the. oferabiont ol evedil
i 2 Ving agencies No indica ane.
Hoeqolaled. hy SER. f Seeua'tes.and Lchange Voatrd
io)” Ladia ie Mi under Vee |
io) cl aj Renulal ion Arom
WAV. This? : equa bes ovensinh lo ensure. Daal:
Lagencies resus lo. skandan-ds drand Vrand pourencsy and
\n \Woelny saling yroeess comets,
Jaccoun\abili te
ove nol,
Hrypobanee— of Credit Raing “2S
aieyntense— — a
—Tmjertonce d, —Gredi) Rabieg
Ie “Vendors —_| BU fox Borrouer's
Tusk. Assedmenb: 1) Leon Access'bilily DTauesbacer Sean'by
DS eo Deskn 2 Cost al Semi a) titel ca é
AP biabo cred} raing 1g goat \nw sash
~ TE Welps We lender. lp) g-saavedecisien abut toan
99)
~Fawestwent Denison. _enden —eeision —inclydes bank
4 \ 7 » : i
ores galing to debermine Ue galely level 3
Ie Sy a)
rong credit craking aie Lenders hat Hrotr
IS
is
— fends \\_ be repaid > on himeNeon Accessibility > Enkeies_ ail hin Croadae ey
_ Omg AM alg
___horrreues og A a ;
___ This goacephion —_Yncili ties _easies—accerste lear,
nes, en axe__ mare _williog bn ON Paove AP Picn) ie
fou Such endviex
Mn
ee ah OL eg A haw We Y dik. ae
. Z Cath _te AD paren e her
soleow + nate by banks
This. i i 2d __borr-
Jere Vivoly tn Aodaulk, go ib alicia Hem dn eter
Tee \nwor eaeeeda
. ae 2 iL salina |
with bends /shane which “are” taken Sram borrnuer
Wawel Gerfidonce 2 High cseli satin Ciiid 4%)
| ‘ ; fe
than Vead to belle ln sb’ cayilal shawt/ bends te
In sale
71 Cre dih making rocess te
Weed ora eq —Jracess jn ‘Todi Louse a Seat
= ov sbauchued_ skops to eceese asseny Ye ore dit
4 ia|__insksument—
4 worthinoks OD:
Ceomyones) ,y
|
i L
fe =e
“Fe\lowh— keh,
~_N i
Seapets ty —Yoking —-__The_y
sla posh Moana! taslilbine,gausndecent—enbilsy an
; - oredi aling Suytabal
“eves — ee RA arealue \ fe sais
_ Sao “
- re
1 pe ~ ation \s. ChA Dae One dL \ sbbing uml \
ae OA -
epleels wr AL
fixefccdsodecel ad:[it
WVobVeabin oh Ratteg Once Me vale is ig
ee racer \ Vs shuen We CRA Nwbhish We
8
vvaling on k's waobaile..
- Nid Ongoing Survellance and menidoring + Creds) ching
Jone subjecd 6 emgoiod N a CH
Ue cemain cunven) an a Me
Vinancla) condi bon «
Revita ane Update co Neu) ind orenablen
\ changes, aise, Yo OVA sad Con tack
ONIEW
Ogi wt Surveillance! CRAs Sa cooks m —
vais en ooragt ieee
—jond up lale alin 4504 _neces o ott al
ay. This Spas Y
—jaabings —emala-crmenl eck etive. a
pa Beantial ond joanna aacieks ote
lea oon aes _CR “Aa eah
as ea Serveunrars
et
eg eee Cae~ and — Arcounkab libs
J
pL _Comjesitig a “ Ma shaue bes i
cand ct divorkens Lecludiog ‘nletendenk =
We Fy 2 ah p ,
7 Ean] Conflnnge CR pel be
he ve kK
fe = calsblish jokennal “all and enenPMinote
menawy mewie and nePeat Heise
ke Sehr gu) Nakina and meen Jeliciet
faa We Fenriing and Tesfekian
Soomak aiodi
Tr Sendade Roaxding 7 ORM, pou
om Pork CERT, deck Lebarling
eskisis Yroancial dibs a
Voir. ating —
Xs \ -janie Raa eee oa
efstlnely Te deceten cb bare ws Ite
Jrccn AYIA Le Corryanied Se woe "vol Pine
% ye) cocafanies
ii) Rewess Yo Copia) Mande) 2 Credit: onli
_CocnJanieé Rane ment bh
AC OORS, a market nore, eakily Wiahy gals
adsach \nenedlew —ntange: ht eueshond Facil
o
ii) Management 2 Cedi} aakieg assisls Hinanal a)
Mss Tenaga ae
Jo Mop ik tn ee sabiag as
)iebonn Se Copp anion ifs Yeah ae yeobals
tes arabieg ls
nedi naling) help malasce
phn hag Cree
” contsibsbea bo —sxenall_ luncheon ontibies
Sa Nowtous loons} eskment “} Lal and
Saat k bub daot bald a banking
| oe flex a —cmbbteal wale 4 Yaoi ding
ys wn oo 4 Yak Any ind wi med By
“cay Spon tue as, mall Yhusinetses
“pony A__NBET i) Bajos in Linihed ~
: ES [kd L
Finance Lina bed
ae Wikia Pinenze Listed
“(illeance—elnwen UBET ond CRAs S00
1 conbribdes bo oven ila salieg len jet) ae.
“Tabiacing—si_entitiey Yaat lhe cnedibusedbiacas oi enbsbies
aa Vaplows \nans, iavetbment = suit Comparabion, Govern —
hob de nok held a banking licerte, ‘
4 a Liwaliheod + Urs delautl
ley alow a —ordical sale
Lion Voir obi: sgabions
aS welt ‘on aw
a undentorved hy then sxabing~ bape {mvedns_toae
TL quale nalal Lenns Log — Tinea gpa dl aay
cd chine, Yentonal te i -
“hosts Ueancina Clan) chee hoa
‘Tove dren Qredut Lasse, oe eos t
_mransgement: pert po bas,re
Tilak aki Taoneial | pot ek
| Sormvicos — Liraibed Ww WA Rola f
Rewices ar “I iy oes
‘Element gh) NBEC 7NBET
s)Mome’ YosHan is J Ass) 920%, Bala
tf lx Tan tne \eady, he NEP
iGo iy wy nN sc 4
sah} 4
Ih ; 2. rare. ald ns
loner one -Yath la Vo ‘ash decal
lo __noluble aise in ForeSona\ loack zt Yen Lie
Le aarncu\ sve
i) Geogeahica) 21 Ynodict diversi! ae + NBECs_ ofenabe —
s Sionclous a ¥
——r¢a}on$ in ‘Lad
| Segononks
; curtemor—
inelading uxbar Senay wchaa and
\
tk \
—— Connflemented, ce as —asenaay a oer —soda Jangebing \ow = income, Todividuals ond
group ~ Boag catndnance Jasblstions (vibT Ys)
rash ~.
“as Vaerense ond Dash. Nelook NBECs have :
deb Mon neuer Ye inte—— — Wodule
N ane wes yak eel. used
\y KS bo —OSSEAS On. Manac ec Cred}
Sy ve ne wid, alee Leading fond .
‘Tnlernal Dolan? Hiskeical loan, ferhormance
Cushemenc Sinanoial shalemenbs . bransecHon
hiskries and ~Srefaynen ore. cascada,
\
lemedencic lodica bors, an) dale Jao exberera}
‘coed huseaus
eee ae
Greate >
23 Shore
land po.anage tat so at_data ynoumn Namgys
WSomces enSimang dala 1 ‘at Ci On
pec 4 Sr
jualikaly aa selon -tinsts bacexaausa
Pal Madel
tess Veal Hate olele pling Lied iced
whe migqques, awed 4 . ical a a
—Halt-< Yak pola cose vvisk os ayoh eg aie “aime _\ean the —_
hoa
Melb sah Sug _ sv decision breed, feral oekurends, =
aN ea. nde ,-are_used _|o _ennance
ee areas ON onl cajline Conlon al K Jochen’
ask lacks and aggnega ale on inta 4
coedit scone
Seales XX Criberia
calor Jel necting 34 on
a
Thndabo a! apis oH 45 | lea Jolicios Date Seales
Yapically \ah medi oyuity (fl 2
ae Lak Cb) 3
+ use Takers and Cubenta 1Takemngl ating
[aushems, __canside, unde. aang 2b ask Jacks
ealas, Cadln wi—analysi Z
\acluding Vinancial,
ay wt
I. edushay Lyends,
“Dy Tnleaalsa a with
Credit Vroncesse,
I
+ Coed mortal 2 Lnlenpel oabings ame, ‘inhegaaled
—hako \o medi ayy Nal Jaocess Jaro wiclins Py
- pjeckive a eatayent: A cmedi
slandandazed and
Onaeng Voribedad
— eck Sous __mocitoring — or Saab en oa wit,
+ Talennal nosidand Cory) ane
5) X Jeong
ol = Repeating + Tnlernal neat
TAS) areas aejorks= ALAS wed Joe ee
ee mian oe Sacliling alevlaans a ae = meidhk
I tag N
° | Ta ternal opera Q) Yalings and Agi
Ts eeses One roroanunicale) bo nie
moonk , isis coment and_ollex —shavehalde
ns er Stoabegic Jglong —_and__atsk
ranaze onenk waiteTho bank —exjecls bo
lmeceven Go‘) oh Vis
Jb LenPecks bn ase. ib exNosure in Cad,
dau} \ tual
[orecen 2 Noe mf,
ime a Nogrrn eens uth a
eos. Ye Lime sk Vine ot $ la0,go0
Petar ces oe on Te es aaa
and undenma ~renpants $ Sowan and hai a
undene cred ea sien 20. 20 hmeak of
| 26,000, He EAD woul!
patacp eas onena.og Line ayo Hee |
xyeoked to \be
pol hk cca ot ae o cethne—~
CTR) lous
deitiel nels Sa Winona — nse
askibe
AeA a gaa dy Yohenba} vases Here! —o
Nemvidu) Covering obteekiver in duel
ON anche ee RY t
Visi Masexgment % ane Jaimany abies
| is bo dase YY
med eds aye, zal uth horrewenk oy
[euch ay Maanolal slat netaumodd hy
Hindusoy aise and Ceelibes
ano Fai
2D) Gaya Moaysacy < TR% holes in dolewmind na
| ~ Ya aonauak Catiler| He 2
[emanedaal “estiluttos —shoold Vina
aaciosh Yolenbal oom Coosa: wisk. Thus.
Seabee Wak Bo CEN He sremours Salven
ne ons absexbing losses usithook: ‘eapaky
Goel Yoiciass 2 By accurately ay aah oq cred.
Tales A isk a enables Vindnetal
ond oer Credit
Paoducls. altardicg| Hee: ras. bosrowern may
cael tee ee nay
| Sox Mo _
orien Le ost. _emPsie
re{| -—_————__ ore dit ;
eae epee aS eel” om
Sas —Seqneen jie it seale
secg_\o_eNlocale —
—resounet on. me os cian
eT enVerstracce ml in eon Twa lips bene —
DO) \on wom and Gredsl
‘Lean aja al Aegose bergen —_cmodibwiathiness tere
oan adYaoval Se
Wtnede luni sobbing! Delormine. —onedit ghe Bane
cublnnners ox caunke pancies
B) Lalernal Deeislen —Maling
|
{[Sthakeaic_Slannigg 2 Telacca —busiooss —stnabeass —uilh—
hot arsessenen!
WD Resance \ 1 * Mocate goumces bated om
Mocablan
ais = Fepand bende dEs.. ee