Banking · Credit Risk Management
During the processing of retail personal loans, which internal control measure is most critical for assessing a borrower's repayment capacity?
Verified Solution4 OptionsUpdated: October 2026👁️1 View
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- 1The Debt-to-Income (DTI) ratio or Fixed Obligation to Income Ratio (FOIR)✓
- 2The minimum down payment percentage provided
- 3The turnaround time (TAT) taken to visit the branch
- 4An independent valuation report from a certified surveyor
Correct answer
The Debt-to-Income (DTI) ratio or Fixed Obligation to Income Ratio (FOIR)
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