Are we compensating others and ourselves based on our contributions to the organization, or are we taking advantage of opportunities and abusing our positions?” The Arthur Andersen matters and other corporate events currently being addressed also provide lessons for bankers as they try to increase earnings by cross selling more products.
Our Credit Risk Database (CRD) project in partnership with the Government of Japan aims to improve access to finance for SMEs by lessening banks’ dependence on collateral during credit evaluation. Instead of collateral, the CRD’s risk-based lending approach uses credit scoring models to assess the capacity of SMEs to repay their loans.