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BSM - Behavior Scoring Model (Rating Break Up (51/P2 (heightened or…
BSM - Behavior Scoring Model
Value - RR 49 and RR 51+ (P‑2+)
Key Criterion for ascertaining settlement Risk
Rating Break Up
51/P2
heightened or unsatisfactory risk to the bank and meet the criteria for Commercial Watch List
either currently under SBSA/SAMU management or are in the process of being transferred to SAMU/SBSA
60-80
Used only by SBSA to identify BSM borrowers that meet the criteria for Default
50/P1
No longer applicable
Cannot be used for BSM
49
Satisfactory rating in FACT
ALD Defination
LGD- Loss given default
EAD - Exposure at default
PD - Probability of Default
Triggers
Yellow
Delinquency
Utlilisation
Personal Bureau score
valid only for 45 days before receipt of trigger
Years in Business
Revenue Proxy
Equifax
Red
Bankruptcy
Previously reported Bankruptcy
Frequent Excess
Delinquency