Moreover, in recent years, the increased complexity has sometimes interacted with weakened incentives for good underwriting, to the detriment of the borrower. The practice of securitization, notwithstanding its benefits, appears to have been one source of the decline in underwriting standards during the recent episode.
I have no doubt Capital Bank will find that the issue of training, about which I feel very strongly, is debated at for a such as the Bankers Association of Botswana, the Botswana Institute of Bankers, Financial Markets Committee, National Payments Committee and the  2  BIS Review 97/2008  Banking Committee.