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Start learning 50% faster. Sign in nowExternal factors to credit risk • State of Economy • Wide swings in commodity prices • Trade restrictions • Economic sanctions • Government policies Internal factors to credit risk • Weak credit policy and administration of loan portfolio • Absence of prudential credit concentration limits • Lapses in assessing the credit profile of borrower • Inadequate risk pricing • Insufficient collateral value or excessive dependence on collaterals • Failure in post-sanction follow-ups
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