‹ BANK 4.2.4 Policies — monitoring, testing and access BANK 4.3.1 Introduction › BANK Part 4.3 Credit risk assessment BANK 4.3.1 Introduction BANK 4.3.1 Guidance BANK 4.3.2 Policies — credit risk assessment BANK 4.3.2 Guidance BANK 4.3.3 Categories of credits BANK 4.3.4 Policies — problem assets BANK 4.3.5 Impaired credits BANK 4.3.6 Restructuring, refinancing and re-provisioning of credits BANK 4.3.7 Using external credit rating agencies BANK 4.3.7A Multiple assessments BANK 4.3.8 Choosing between issuer and issue ratings BANK 4.3.9 Ratings within financial group BANK 4.3.10 Using foreign currency and domestic currency ratings BANK 4.3.11 Using short-term ratings ‹ BANK 4.2.4 Policies — monitoring, testing and access BANK 4.3.1 Introduction ›