Independent industry benchmarks play an important role in today's complex risk management systems. Emerging industry benchmarks are enhancing already sophisticated lending processes to help banks find new ways of evaluating the profitability and probability of default of their borrowers. By using industry-defined standards as benchmarks to support their decision-making, banks are able to make better informed and documented decisions regarding whether a particular customer is compatible with their risk appetite....

. An Introduction to the Risk Rating Index . Benchmarking Requirements Under Basel II . Basel's Forgotten Child:.....