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  2. Credit risk - Wikipedia

    en.wikipedia.org/wiki/Credit_risk

    Credit default risk – The risk of loss arising from a debtor being unlikely to pay its loan obligations in full or the debtor is more than 90 days past due on any material credit obligation; default risk may impact all credit-sensitive transactions, including loans, securities and derivatives.

  3. Consumer credit risk - Wikipedia

    en.wikipedia.org/wiki/Consumer_credit_risk

    Consumer credit risk (also retail credit risk) is the risk of loss due to a consumer's failure or inability to repay on a consumer credit product, such as a mortgage, unsecured personal loan, credit card, overdraft etc. (the latter two options being forms of unsecured banking credit).

  4. Standardized approach (credit risk) - Wikipedia

    en.wikipedia.org/wiki/Standardized_approach...

    This includes credit card, overdraft, auto loans, personal finance and small business. Risk weight: 75%. Claims secured by residential property; Risk weight: 35%. Claims secured by commercial real estate; Risk weight: 100%. Overdue loans; more than 90 days other than residential mortgage loans. Risk weight:

  5. Financial risk - Wikipedia

    en.wikipedia.org/wiki/Financial_risk

    Credit risk management is used by banks, credit lenders, and other financial institutions to mitigate losses primarily associated with nonpayment of loans. A credit risk occurs when there is potential that a borrower may default or miss on an obligation as stated in a contract between the financial institution and the borrower. [12]

  6. Credit rating - Wikipedia

    en.wikipedia.org/wiki/Credit_rating

    A sovereign credit rating is the credit rating of a sovereign entity, such as a national government. The sovereign credit rating indicates the risk level of the investing environment of a country and is used by investors when looking to invest in particular jurisdictions, and also takes into account political risk.

  7. Probability of default - Wikipedia

    en.wikipedia.org/wiki/Probability_of_default

    For group of obligors sharing similar credit risk characteristics such as a RMBS or pool of loans, a PD may be derived for a group of assets that is representative of the typical (average) obligor of the group. [3] In comparison, a PD for a bond or commercial loan, are typically determined for a single entity.

  8. Allowance for Loan and Lease Losses - Wikipedia

    en.wikipedia.org/wiki/Allowance_for_Loan_and...

    This credit risk represents the charge-offs that will most likely be realized against an institution's operating income as of the financial statement end date. [1] This reserve reduces the book value of the institution's loans and leases to the amount that the institution reasonably expects to collect. [2]

  9. Category:Credit risk - Wikipedia

    en.wikipedia.org/wiki/Category:Credit_risk

    Concentration risk; Constant maturity credit default swap; Consumer credit risk; Contingent convertible bond; Counterparty credit risk; Credibility theory; Credit analysis; Credit conversion factor; Credit default option; Credit default risk; Credit default swap; Credit derivative; Credit event; Credit Exposure; Credit reference; Credit spread ...