We assess how risks could interact with each other. We gauge their potential impact. And we use judgment to determine the balance among them, both today and in prospect. In fact, monetary policy formulation these days is more a process of risk management than one of precision engineering.
Nevertheless, among 72 jurisdictions monitored by  BIS central bankers’ speeches  1  Moody’s, a major international credit rating company, only the Philippine banking sector was given a “positive” outlook. Indeed, in assessing your rural bank or your potential partners/investors for that matter, there are many factors to consider.