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Capital Adequacy Ratio : Capital adequacy ratio is the ratio which determines the capacity of the bank in terms of meeting the time liabilities and other risks such as credit risk, operational risk, etc.
Gross Debt Service Ratio : A debt service measure that financial lenders use as a rule of thumb to give a preliminary assessment about whether a potential borrower is already in too much debt. Receiving a ratio of less than 30% means that the potential borrower has an acceptable level of debt.
Customer Credit: This is credit history of the respective customer in the bank. While customer approaches the bank, the bank needs to check the required details or the past track performance of the customer.