Investor Presentaiton
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Covid-19 Measures taken to proactively manage risks
Credit Risk Rating Models
Key focus area: Use of In-house developed Credit Risk Rating
Models for independent risk assessment for Corporate
Borrowers
Covid Response/ Readiness: Dynamic Review Rating of
Borrowers/Industries impacted due to Covid -19 pandemic to
capture increased riskiness in the portfolio.
Scoring Models
Key focus area: Use of In-house developed Scoring Models for
Retail/MSME/Farm Sector for independent risk assessment for
Retail Borrowers.
Covid Response/ Readiness: Bureau scores impact taken into
Scoring Models for tracking delinquencies/new enquires.
Behaviour Score Model is in place for assessing impact on
transactional behavior changes
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Early Warning Signals
Key focus area: Use of In-house developed Early warning Signal +
Preventive Monitoring System to address the issue of monitoring
of causes of build-up of stress in assets.
Covid Response/ Readiness: The system covers comprehensive
127 early warning signals including 42 RBI prescribed signals for
capturing build up stress in borrowers due to Covid-19 pandemic.
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Key focus area:
Credit Policy
Lending in Thrust Areas i.e.
Retail, Segment, Priority Sector & MSMEs
Covid Response/ Readiness: Readiness to support economic
reversal and growth.
Way Forward
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