In particular, the potential pressure to substitute (profitable) lending with (less profitable) holding of liquid assets adds particular need to this topic. What is needed in this instance is a proper assessment of credit quality and spreads in order to extend credit only to good and profitable risks, particularly in a world of rising capital requirements. however, existing business must not be neglected, as the effects of its ageing (across sales channels, clients and products) should be very carefully monitored. This is best accomplished through careful margin planning into the future in order to proactively spot potential volatility of Net Interest Income and take timely evasive action through well informed management decisions.