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In order to comply with regulatory requirements, the creditworthiness of a borrower and the risk of servicing the requested loan have to be assessed. Various service providers supply information on the financial services that a customer has used in the past.

Information collected from previous commitments within the bank can also be included.

A borrower’s assessment involves the collection and evaluation of information from:

The capture and evaluation of this information serve as a basis for determining the potential credit line (volumes, repayment terms, instalment amount) and for approving the request for credit.

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