A set of automated processes for identifying risks at a nascent stage in the bank’s loan portfolio, using measurable indicators is a feature of our effective early warning system. The rule based EWS identifies borrowers at risk of distress or default well before they actually default


A host of early warning signals have been identified depending upon the systems and processes already implemented in the bank.

Early warning signals categorized into categories – transactional, financial, non-financial, external & statistical indicators – to identify emerging problems in credit exposures at an early stage

EWS uses a mix of traditional indicators of probable default as well as several new concepts which can be best adopted with the help of technology enabling real-time monitoring of the asset portfolio of a bank

Parameters produce a Score which is given percentage weightage. The weights are parametrizable and scoring is done based on median values across geographies for the same activity