Credit & Risk
Risk distribution, concentration and early warning across the portfolio
Total exposure
$56.0M
High-risk exposure
$27.7M
Weighted PD
3.2%
Early warnings
2
Risk distribution
Exposure by industry (USD thousands)
Probability of default trend
The SME book moves ahead of the portfolio as a whole — which is what the early-warning rules below are set to catch.
Models in use
SME Credit Risk Model
Scores SME applications on cash-flow, leverage, behaviour and concentration features.
demo-1.9Human gateTransaction Anomaly Model
Flags deviation from a customer's own historical transaction behaviour.
demo-1.2Human gate
Watchlist
Deteriorating cash flow against material exposure
| Customer | Existing exposure | Cash-flow trend | Risk |
|---|---|---|---|
| Cedar Pharma Distribution | USD 2,560,000 | -21% | Low |
| Sanaa Agricultural Co-op | USD 712,000 | -21% | Low |
| Benghazi Fisheries Ltd | USD 2,175,000 | -18% | Medium |
| Al Noor Trading LLC | USD 1,180,000 | -17% | High |
| Tripoli Building Works | USD 435,000 | -15% | Medium |
| Levant Steel Industries | USD 1,558,000 | -11% | Critical |
| Aqaba Marine Services | USD 1,339,000 | -11% | Low |
| Salt Valley Packaging | USD 2,284,000 | -9% | Critical |
| Amman Digital Retail | USD 3,740,000 | -8% | Critical |
| Misrata Plastics Group | USD 2,153,000 | -8% | High |
CR-POL-2026 §6.1 — these files route to a second reviewer regardless of score.
Servicing early warnings
- LOAN-7104watch
Taiz Trading House
Instalment late; inflow down 11% month on month
Days past due: 12 · Outstanding USD 623,940
- LOAN-7106past due
Gulf Cold Chain Co.
Two consecutive instalments missed; utilisation at 97% of limit
Days past due: 45 · Outstanding USD 1,064,961