Our understanding of BoS’ current situation Our perspective on proposed initiatives and expected results for BoS The efforts would focus on delivering tangible results We have proposed a hand-on high-caliber team to jointly work with the BoS team We have strong commitments to BoS Consulting experiences focus on providing credit risk management solutions to domestic and global banks Led many strategic design and system development projects for Banks in Singapore and rest of Asia Helped domestic and international financial institutions in strategy and process design Extensive experiences in banking and insurance industries Extensive experience in risk and capital management Development and implementation of a comprehensive credit risk management approach covering organization, technology, processes and statistical models in one of the largest Brazilian banks Diagnosis of the current situation in one of the largest Brazilian banks Helped domestic and international companies in operations improvement and change management Experiences in Finance and M&A Developed a review of China securities market by identifying key players and respective strategies, studying market trends and assessing government regulations Participated the proposal writing of designing a online-portal for a leading stock exchange in China Purely expert-based judgmental methodology Static information-based, not considering customer transaction records No statistics of EDF No strict uplimit setting for facilities Combination of statistics-based and expert-based rating methodology Consider the customer transaction records Link the risk rating with EDF estimation Strict uplimit setting for facilities based on different ratios Expert-based and judgmental Conducted after the loan Mainly used to meet the regulatory requirements Partly used in monitoring and control Portfolio management functions in place Conducted preliminary positioning and targeting Preliminary concentration control and limits