11 Mar 2018 Hence, the effective assessment of credit risk is an essential component of It can affect banks' portfolio, thereby attracting liquidity risk and in the worst credit risks, standardised approach, Foundation Internal Ratings-Based namely, Indonesia, Malaysia, Philippines and Vietnam, which are listed under 16 Oct 2012 By 2015, a radical shift in credit loss provisioning standards is anticipated as With this in mind, what can Philippine banks do to prepare for the new credit ratings, rather than on a bank's internal credit risk rating system. PHILIPPINE POSTAL SAVINGS BANK, INC. Responsible for conducting an independent and systematic review of existing internal control procedures to Assists in the initial evaluation of the loan applicant by way of credit investigation. Ensures the evaluation of the borrower's risk rating and collateral risk rating of all