Low-Risk Credit Policy – 30 Pages – 6600 Words

The policy establishes a framework for managing credit risk, focusing on maintaining a low-risk profile for all credit exposures, consistent with strategic objectives and risk appetite. It emphasizes the importance of extending credit in line with a low-risk appetite, keeping credit risk exposure within approved limits, and applying rigorous analytical and procedural discipline in credit granting processes. The goal is to ensure that the return achieved is appropriate relative to the risk taken.