Lending Policy

The credit policy guides credit functions and ensures that they operate within the legal framework. The policy is reviewed and updated to reflect any changes in the strategy of credit facilities, economic conditions, applicable laws, and directives.

The main criterion for lending is the solvency of the borrower in combination with several other parameters, such as the purpose of the credit line, the applicable ratio of credit to value, the level and quality of the security provided, etc.

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