In the case of loans for the purchase of consumer durable goods, the results of credit scoring models are frequently decisive in deciding whether to lend; in that of personal loans, which are usually for larger sums, branch personnel are allowed greater discretion; and, lastly, special agreements covering specific groups of borrowers or particular categories of goods are often important.
We have seen during the crisis that the current levels are not adequate and that in the end it is only the capital of the highest quality that counts in adverse conditions.