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The customer segment offers A selection of banking products and services together with home loans, credit cards, private financial loans and deposits to consumers in Australia.
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The primary objective of stress testing is usually to identify bottlenecks, Consider method response periods, and detect any flaws or failures if the system is beneath stress.
Assess the process's overall performance underneath stress: Together with determining any concerns or failures, it's important To judge the process's Total functionality beneath stress. This incorporates measuring reaction times, examining resource utilization, and assessing the technique's stability.
Although applying separate stress tests For brand new and current borrowers would pose operational complexities for banks, enabling Individuals in property finance loan prison to refinance could possibly mitigate the risk of bank loan defaults.
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