BIS Review 47/2002  1  Extravagance, if not a crime, very naturally leads to crime. A man cannot be a safe officer of a bank who spends more than he earns.”  Sixth advice “The capital of a bank should be a reality, not a fiction; and it should be owned by those who have money to lend, and not by borrowers.
However, users of the models generally report that, after their adoption,  BIS Review 129/2007  3  (1) the riskiness of the small business portfolio either remains about the same or declines, and (2) the quality of the typical credit decision increases.