Dear All,
On BB side, I think we need to be more cautious in assessing the cash flow and repayment ability from hotel industry.
For PFS side, I suppose we still detect high DSR% for SE cases and please keep this in mind if you approval decision. I understand and agree that right now cases do not require discussion between PFS Credit and CPPM, however, do raise if you would like to see certain statistics or confirm any of your thoughts in an analytical way.
CPPM team – FYI only. I will take up the role to link across insights on certain industries and see if we need to be cautious in PFS policy as well.