Moreover, though improvements in underwriting have made individual loans safer, the asset correlations among such loans in a given portfolio - the "clumping" tendency - has not changed as a result of improved underwriting.
Faqe 2 nga 5  In order to ensure financial stability and as a result of non-compliance with regulatory requirements and failure to comply with remedial measures, CBK in 2019, in its role of regulator and supervisor of financial institutions, has revoked license of company "Insig" JSC, Kosovo Branch.