Risk-based Capital and Risk-Based Pricing:

• Estimations of Probability of Default, Loss Given Default, Exposure-at-Default

• Expected Loss, Unexpected Loss, Economic (risk) capital calculations

Improve Asset Quality:

• Tie Lender incentives to asset quality

• Turn your risk culture into one that balances risk and reward

Stress Test Your Portfolio:

• Use internal scenarios - you know your market best; alongside

• External scenarios to satisfy the needs of your chief stakeholders