Risk
refers to the likelihood of a financial loss resulting from a borrower's failure to repay a loan.
Credit Risk
Macroeconomics
refers to the quantity of goods/services that buyers are willing and able to buy.
Demand
“I deserve an explanation. I deserve an acceptable reason.”
Starting Over Again
A popular loveteam in the Philippines which first appeared in the Kalyeserye portion of Eat Bulaga
Aldub
likelihood that a borrower will default within a specified time frame.
Profitability of Default
market value of final goods and services produced by an economy in a given period of time
GNP
Consumers choose the most preferred bundle within their budget set
“She loved me at my worst. You had me at my best. At binalewala mo lahat yun.”
One More Chance
Cassie, Marga, Romina and Daniella are characters from what Filipino Teleserye?
Kadenang Ginto
5Cs of Credit
Encompass the broader economic and industry factors that might impact the borrower's ability to repay the loan
Condition
• without work
• currently available for work
• seeking work OR not seeking work
• tired/believe no work available
• awaiting results of previous job application
• temporary illness/disability
• bad weather
• waiting for rehire/job recall.
Unemployed
Theory that Firms maximize profits:Marginal Revenue = Marginal Cost
Producer Theory
“You're nothing but a second-rate, trying hard copycat!”
Bituing Walang Ningning
What is the name of the Philippine movie festival shown annually beginning on the 25th of December until mid-January?
The total value of exposure a lender faces when a borrower defaults on their loan or credit obligation.
Exposure at Default
market value of final goods and services produced within an economy in a given period of time
GDP
An increase (decrease) in price generally results in a decrease (increase) in quantity demanded assuming ceteris paribus
“Akala mo lang wala pero meron, meron, meron!”
Bata, Bata, Paano ka Ginawa
Guess the singer
Nang ma-inlove ako sa'yo
Kala ko'y pag-ibig mo ay tunay
Pero hindi nag-tagal lumabas din ang tunay na kulay
Salbakuta
The portion of the exposure at the time of default that the lender expects to lose if the borrower defaults.
Loss Given Default
Medium-term Model of Macroeconomics
AD-AS Framework
An increase (decrease) in price generally results in an increase (decrease) in quantity supplied assuming ceteris paribus.
Law of supply
“Isang beses sa napakaraming beses na puwede akong sumuko pero hindi ko ginawa. Pero isang beses lang pala ang kailangan mo para umalis at hindi na bumalik.”
The Hows of Us
Guess the Singer
Iba na ang 'yong ngiti, iba na ang 'yong tingin
Nagbago na'ng lahat sa 'yo, oh, oh
Sana'y hindi nakita, sana'y walang problema
Eraserheads