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Guidelines on  Internal Credit Risk Rating (ICRR) system for banks

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Guidelines on  Internal Credit Risk Rating (ICRR) system for banks

 

worldbanks.news

worldbanks.news

 
 

Background of Internal Credit Risk Rating System

 
  • Lending Risk Analysis (LRA)- 1993
  • Credit Risk Grading (CRG) 2005
  • Internal Credit Risk Rating System  2018
   

 

Background of Internal Credit Risk Rating System

 
  • Prepared for 20 Different Sectors .
  • Ideal Assessment Parameters  Fixed on the Analysis of three-year Data of 220 Audited Financial Statements Collected From 22 Scheduled Banks .
  • Data also collected from 54 Companies Listed on Dhaka Stock Exchange

 

 

DEFINITION:

 
  • ICRRS refers to the system to analyze a borrower’s repayment ability based on information about a customer’s financial condition including their liquidity, cash flow, profitability, debt profile, market indicators, industry and operational background, management capabilities, and other indicators.
  • The summary indicator derived from the system will be called Internal Credit Risk Rating (ICRR).
 

 

Use of Internal Credit Risk Rating (ICRR) – (Four Uses)

 
  • To provide a granular, objective , transparent, and consistent framework for the measurement and assessment of customers’ credit risk.
  • To facilitate the portfolio management activities.
  • To  assess the quality of individual borrower to help the banks to determine the quality of the credit portfolio, line of business, the branch or the Bank as a whole.
  •  To be used for individual credit selection, credit pricing, and setting credit limit and terms and conditions.
   

 

Function of ICRR System –(Three Functions)

 
 
  • ICRR System a Fully Automated System that calibrates the characteristics of different sector  and industries in one single model;
  • If the borrower is in multiple lines of business, the sector should be used for assessing the line of business generating the highest portion of the revenue &/or profit.
  • If there is no particular line of businesses can be singled out- the ICRRS should be conducted using “other industry- if manufacturing” or “other service-if service”.
   

 

General Instructions –(Ten Instructions )

 
 
  • Using ICRR by Bangladeshi Bank without making any changes, extensions, modification or deletion.
  • ICRR  for all exposures except consumer loans, small  enterprises having total loans exposure  less than BDT 50 lac, short term agree , micro-credit and loan to bank, NBFI and Insurance.
  • The quantitative part of the ICRR completed by an analyst other than Relationship Manager.
  • Verified by an independent verifier on an on-going basis.
  • Relationship Manager shall complete the qualitative assessment part .
  • ICCR shall be an integral part of the credit approval process.
  • Independent credit risk function responsible for the accuracy and integrity of the rating.
  • The executive summary report of the ICRR of the borrower shall be approved and signed by the Chief Risk Officer (CRO) and
  • Those loans that are approved below the CRO level e.g zonal office or branch office, the executive summary report of the ICRR shall be approved and signed by the final approval authority
  • Banks shall use the latest audited financial statements of the borrower. 
  • All credit proposals whether new, renewal or enhancement shall be gone through the ICRR process .
  • A  set of the ICRR report shall be retained in the credit file.
  • The Relationship Manager shall pass the approved ICRR report to the related department for updating their MIS/record.
  • Banks shall conduct the routine internal audit to check whether the ICRRS is functioning as per the instructions laid down in the guidelines.
   

 

Frequency of Credit Risk Scoring

 
 
  • ICRR shall be conducted for all credit proposals including renewal or enhancement of the existing proposal;
  • For existing credit relationship, the ICRR shall be reviewed at least annually at the time of annual/regular credit review.
   

 

Selected Sectors  :

 
  1. Industry (14 Sectors)

 
 
  Ready Made Garments (RMG), Textile (including spinning, knitting, weaving), Food and Allied Industries, Pharmaceutical, Chemical, Fertilizer, Cement, Ceramic, Ship building, Ship breaking, Jute Mills, Steel Engineering, Power and Gas, Other industry (only to be selected if the borrower falls under industry but does not fit with other 13 specific sub-categories)  

 

  1. Trade and Commerce
  2. Agro Base and Agro Processing
  3. Service (Four Sectors )
Housing and Construction, Hospitals and Clinics, Telecommunication and Other Service.    

 

Credit Risk Rating Scores:

 
  The ICRR consists of 4-notched rating system covering the Quantitative and Qualitative parameters.  

 

 

Definitions of Credit Risk Rating:

 

Excellent :

 
  • Aggregate score of 80 or greater in ICRR.
  • Strong repayment capacity of the borrower evident by the high liquidity, low leverage, strong earnings, and cash flow
  • Borrower has well established strong market share.
  • Very good management skill & expertise.
   

 

Good  :

 
  • Aggregate score of 70 or greater but less than 80 and the quantitative score of at least 30.
  • These borrowers are not as strong as “Excellent “borrowers, but still demonstrate consistent earnings, cash flow and have a good track record.
  • Borrower is well established and has strong market share.
  • Very good management skill & expertise.
   

 

Marginal :

 
  • Aggregate score of 60 or greater but less than 70 and the quantitative score of at least 30.
  • This grade has potential weaknesses that deserve management’s close attention. If left uncorrected, these weaknesses may result in a deterioration of the repayment prospects of the borrower.
 

 

Unacceptable:

 
  • Aggregate score of less than 60
  • Financial condition is weak and no capacity or inclination to repay. 
  • Severe management problems exist.
  • Facilities should be downgraded to this grade if sustained deterioration in financial condition is noted (consecutive losses, negative net worth, excessive leverage).
 

 

Management Action Triggers (Seven Triggers):

 
 
  • Banks are allowed lending to a borrower if the borrower’s ICRR is “Excellent” or “Good”
  • For the “Marginal “cases, the bank shall take cautionary measures in renewing the facilities or lending new money to the customers.
  • No loan can be sanctioned to borrowers whose ICRR is “Unacceptable” unless the loan is 100% cash covered or guaranteed by the government, sovereign entity or banks or the loan is for any state-owned organization or state-owned project.
  • If the ICRR falls under “Marginal” or “Unacceptable” for any risk criteria (among 16 quantitative and 18 qualitative); whatever the aggregate score is, the relationship manager should evaluate what would be the impacts of such on loan repayment and justify how those risk(s) is(are) mitigated;
  • In deriving ICRR, whatever score a borrower gets in the qualitative analysis if the score in the quantitative part is less than 50%, the borrower’s ICRR shall be “Unacceptable”.
  • Bank can make renewal and enhancement of existing loans for maximum 2 (two) times if the borrower’s ICRR is “Unacceptable”.
  • In conducting qualitative analysis, justifications for all criteria are required to be documented.
  • Bank must maintain portfolio level data base for the asset base with “Excellent”, “Good” “Marginal” and “Unacceptable” category and maintains risk appetite/tolerance level for portfolio.
   

 

Exceptions to Credit Risk  Scoring (Seven Exceptions ):

 

  • For a newly established company with no meaningful financial statement, the bank can apply a manual rating based on the projected financial statements .
  • For the Above , rating of the borrower shall not better than Marginal. However, the bank must run the rating module once the full year audited financial statements are available.
  • For large business conglomerate, rating substitution is allowed based on the rating of Corporate Guarantor (legally enforceable, irrevocable and unconditional) of the performing concern of the same group or holding company.
  • ICRR shall be conducted on the guarantor to determine whether the guarantor has the ability to support the borrower at the time of need.
  • Rating generation is discouraged using outdated financial statements (i.e available audited financial statements are more than 18 months old).
  • In exceptional cases where there is valid reason for delay in audited financial publication, out dated financial statements can be accepted only if up to date unaudited financial statement is submitted, but the rating shall not be better than “Marginal”. In this case, the conditioned mentioned in para 1.10(a) is to be followed.
  • Rating shall be downgraded if there is any internal/external factors or information that have not been captured in the rating/financial statements .
  • For the proprietorship & partnership, un audited financial statement can be used but due diligence should be conducted on financial statements through checking bank statements recording the sales collection, stock/receivable position, peer analysis, bank liabilities etc.
  • If the customer is in multiple lines of business, the most appropriate sector/industry shall be the line of business generating revenue more than 50% of total revenue. If there is no particular line of businesses can be singled out- the rating for “other industry” or “other services” should be used.
  • This guideline and enclosed model will be the minimum standard of risk rating; and banks may adopt more sophisticated risk rating model in line with the size and complexity of their business.
   

 

Quantitative Indicators and Associated Weights ( Six Broad Categories):

 
 
Quantitative IndicatorsWeightDefinition
1.Leverage (10%)  a) Debt to Tangible Net Worth (DTN)  7Total Interest-bearing liabilities or Financial Debt/ Total Tangible Net Worth
b) Debt to Total Assets (DTA)3Total Interest-Bearing Liabilities or Financial Debt/  Average Total Assets
2.Liquidity (10%)  a)  Current Ratio (CR)7Current Assets/ Current Liabilities
b) Cash Ratio (Cash)3Cash and easily marketable securities/ Current Liabilities
3.Profitability (10%)a) Net Profit Margin (NPM)5 Net profit after tax/ Net Sales
b) Return on Assets (ROA)3Net profit after tax/ Average Total Assets
c) Operating Profit to Operating Assets (OPOA)2Operating Profit/ Average Operating Assets

 

 

Quantitative Indicators and Associated Weights:

 

   

Quantitative IndicatorsWeightDefinition
4.Coverage 15%  a)Interest Coverage (IC)3Earnings Before Interest and Tax/Interest Expense
b)Debt Service Coverage Ratio (DSCR)5Earnings Before Interest Tax Depreciation Amortization/ Debts to be Serviced
c) Financial Debt to Operating Cash Flow (FDCF)4Financial Debt / Operating Cash Flow
d) Cash flow Coverage Ratio (CCR)3Cash flow from operation / Debts to be Serviced
5.Operational Efficiency (10%)    a) Stock Turnover Days (STD)4(Total Inventory/COGS)*360
b) Trade Debtor Collection Days (TDCD)3(Total Accounts Receivable/ Sales)*360
c) Asset Turnover (AT)3Sales /Average Total Assets
6.Earning Quality (5%)  a) Operating Cash Flow to Sales (CFS)3Operating Cash flow / Sales
b) Cash flow based accrual ratio (CAR)2=NI-(CFO+CFI) /Average Net Operating Assets

 

 

Qualitative Indicators and Associated Weights:

 

 

IndicatorsWeights
1. Performance Behavior10
Performance Behavior With Banks Borrowings9
Performance Behavior With Suppliers/ Creditors1
2. Business and Industry Risk7
Sales Growth2
Age Of Business2
Industry Prospects1
Long-Term External Credit Rating Of The Borrower2
3. Management Risk7
Experience Of The Management2
Existence Of Succession Plan2
Auditing Firms2
Change In Auditors In Last 4 Years1
Total40

  Qualitative Indicators and Associated Weights

4. Security Risk11
Primary Security2
Collateral2
Collateral/ Security Coverage5
Type Of Guarantee2
5. Relationship Risk3
Account Conduct3
6. Compliance Risk2
Compliance With Environmental Rules, Regulations And Covenants1
Corporate Governance1
Total40

 

 

Input Primary Information of Borrower and Select Sector/ Industry of the Borrower:

 

 

Bank’s Name:ABC Bank Limited
Branch Name:Gulshan
File/ Reference No:10000/100/10/1
Borrower Name:XYZ Limited
Group Name, if any:PQR
Type of Industry/ Sector:1. RMG
Industry Code:101
Ownership Type:Sole Proprietorship
Registration No/Trade License No:123
CIB Status:Standard
Financials Audit Status::Audited
Name of Audit Farm MNO
Analyst Name, Designation:PQR
Verifier Name, Designation:UBW
Date of Financials:43191
Date of Analysis (DD-MM-YYYY):43191
Date of Verification (DD-MM-YYYY):43191
 

 

Input data of balance sheet, profit and loss statement and cash flow statement:

 
  • In the input sheet of the balance sheet, profit, and loss statement and cash flow statement, Input must be given to all cells that are marked with yellow colors.
  • Moreover, while providing input to the balance sheet, profit and loss statement and cash flow statement following issues should be taken care of:
 
 
  1. a) Current Portion of Long-Term Borrowing/Loan

 
 
  • Input must be given to this cell. If “Current Portion of Long-Term Borrowing/Loan” is not found in the balance sheet, the analyst shall communicate this to the borrower.
  • If the amount is already added with the total loans in the balances sheet then “Current Portion of Long-Term Borrowing/Loan” must be deducted from the total loans and must insert the split figures in related cells.
  • If the figure is still zero, it means the borrower has no existing long-term borrowings; which is unusual. If found so, the analyst should interview the borrower.
  • If the analyst becomes certain that the borrower has no existing borrowings, then 0.01 shall be inserted in the corresponding cell.
 
 
  1. b) Other Current Liabilities:

 
 
  • To make the balance sheet balance i.e assets = liabilities + equity, deduct amount 0.01 in this cell, if the same is inserted in row 56: Current Portion of Long-Term borrowing/ Loan.
 
 
  1. c) Financial/Interest Expenses

 
 
  • Input must be given to this cell. If not found in the P&L, the analyst shall look into the notes of financial statement and communicate with the borrower to determine the amount.
  • If the figure is zero, it means the borrower has no existing borrowings; which is unusual.
  • If the analyst becomes certain that the borrower has no existing borrowings, then figure 1 must be inserted in the corresponding cell.
   

 

Qualitative Analysis:

 
 
GPerformance Behavior  10
G.1Performance behavior with banks borrowings  
G.1.1How many times the borrower got adversely classified in last 3 years  
 [ Aversely classified means the borrower’s loans classified as per BB loan classifications policy i.e SS, DF, BL]0 time5
 1 time4
  2 times3
  3 times1
  >3 times0
G1.2How many times the borrower’s loans got rescheduled/ restructured in last 3 years  
  0 time4
  1 time3
  2 times2
  3 times1
  >3 times0
G.2Performance behavior with  suppliers/ Creditors  
 Did the borrower pay its Suppliers/ Creditors regularly in last 1 yearYes1
  No0

 

HBusiness and Industry Risk 7
H.1Sales Growth  
 * Sales growth means the growth of sales from previous year sales>10%2
 The formula for calculating sales growth is [(current year sales – previous year sales)/ previous year sales]*1005%-10%1
 Less than 5%0
H.2Age of Business  
 The number of years the borrower>10 years2
 engaged in the primary line of business7 to 10 years1.5
  5 to 7 years1
  4 to 5 years0.5
  <4 years0
H.3Industry Prospects  
 Critical assessment of 5 (five) years prospect of industry and borrower’s sales volatilityGrowing and Low volatility1
 * Volatility denotes sales volatilityStable0.75
 Growing but High Volatility0.5
 Declining0
H.4Long-Term External Credit Rating of the Borrower  
  12
 Rating Grade should be assigned in line with BB Rating Mapping as per BRPD circular 14/2018 on Risk-Based Capital Adequacy in line with Basel III.2&31.5
  >30.5
  Unrated0
    

 

I Management Risk 7
I.1Experience of the Management  
 Quality of the  management based on total number of years of experience of  the senior management in the Industry.More than 10 years in the related line of business2
 * Senior Management means MD and next two tiers5–10 years in the related line of business1
  Less than 5 years0
I.2Existence of Succession Plan  
  Yes, with good capability of successor2
  Yes, but questionable capacity of successor1
  No successor0
I.3Auditing Firms  
 BSEC listed auditors are considered as recognizedRecognized Auditors2
 Other Auditors1
 Un audited0
I.4Change in Auditors in last 4 years  
  Yes1
  No0

 

JSecurity Risk 11
J.1Primary Security  
  Fully Pledged Facilities2
  Registered Hypothecation (1st Charge/1st Pari passu Charge)1.5
  2nd charge/Inferior charge1
  No security0
J.2Collateral  
  Registered Mortgage on Municipal corporation/Prime Area property2
  Registered Mortgage on Pourashava/Semi-Urban/ Union parishad area property1.5
  Equitable Mortgage or No property but Plant and Machinery as collateral1
  No collateral0
J.3Collateral Coverage  
 The formula of collateral coverage is [forced sale value of collateral/ total loans]>100%5
  80% to 100%4
 * Forced sale value should be determined as per policies of BB. If there is no policy bank should determine their own policy.70% to 80%3
 50% to 70%2
 <50%0
J.4Type of guarantee  
  Bank Guarantee2
 Strong Corporate Guarantee means the credit rating of the guarantor should be at least 1 or 2 as per BB rating mapping mentioned in BRPD circular 18/2014 on Risk Based Capital Adequacy in line with Basel III.  Strong Corporate Guarantee1.5
 Personal Guarantees or Corporate Guarantee without Strong Financial Strength1
  No support/guarantee0

 

KRelationship Risk 3
K.1Account ConductMore than 3 years Accounts with Faultless Record3
  Less than 3 years Accounts with faultless record2
  Accounts having satisfactory dealings with some late payments.1
  Frequent Past dues & Irregular dealings in account0

 

LCompliance Risk 2
L.1Compliance with environmental rules, regulations and covenants  
  Yes1
  No0
L.2Corporate Governance  
 Independence of ManagementGood Corporate Governance1
  Questionable Corporate Governance0
 Total 40

 

 

end of worldbanks.news  

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  180. даркнет вход
    Даркнет – темное пространство Интернета, доступное только для тех, кто знает правильный вход. Этот закрытый уголок виртуального мира служит местом для анонимных транзакций, обмена информацией и взаимодействия засекреченными сообществами. Однако, чтобы погрузиться в этот темный мир, необходимо преодолеть несколько барьеров и использовать особые инструменты.

    Использование специальных браузеров: Для доступа к даркнету обычный браузер не подойдет. На помощь приходят особые браузеры, такие как Tor (The Onion Router). Tor позволяет пользователям обходить цензуру и обеспечивает анонимность, помечая и перенаправляя запросы через различные серверы.

    Адреса в даркнете: Обычные домены в даркнете заканчиваются на “.onion”. Для поиска ресурсов в даркнете, нужно использовать поисковики, подходящие для этой среды. Однако следует быть осторожным, так как далеко не все ресурсы там законны.

    Защита анонимности: При посещении даркнета следует принимать меры для обеспечения анонимности. Использование виртуальных частных сетей (VPN), блокировщиков скриптов и антивирусных программ является фундаментальным. Это поможет избежать различных угроз и сохранить конфиденциальность.

    Электронные валюты и биткоины: В даркнете часто используются цифровые финансы, в основном биткоины, для конфиденциальных транзакций. Перед входом в даркнет следует ознакомиться с основами использования электронных валют, чтобы избежать финансовых рисков.

    Правовые аспекты: Следует помнить, что многие действия в даркнете могут быть противозаконными и противоречить законам различных стран. Пользование даркнетом несет риски, и неразрешенные действия могут привести к серьезным юридическим последствиям.

    Заключение: Даркнет – это неизведанное пространство сети, преисполненное анонимности и тайн. Вход в этот мир требует специальных навыков и предосторожности. При всем мистическом обаянии даркнета важно помнить о возможных рисках и последствиях, связанных с его использованием.

  181. Введение в Даркнет: Уточнение и Главные Характеристики

    Разъяснение термина даркнета, его отличий от привычного интернета, и ключевых черт этого таинственного мира.

    Как Войти в Даркнет: Руководство по Скрытому Входу

    Детальное разъяснение шагов, требуемых для доступа в даркнет, включая использование эксклюзивных браузеров и инструментов.

    Адресация сайтов в Темном Интернете: Тайны .onion-Доменов

    Пояснение, как работают .onion-домены, и какие ресурсы они содержат, с акцентом на безопасном поисковой активности и использовании.

    Защита и Конфиденциальность в Даркнете: Меры для Пользовательской Защиты

    Рассмотрение методов и инструментов для сохранения анонимности при эксплуатации даркнета, включая виртуальные частные сети и другие средства.

    Электронные Валюты в Даркнете: Роль Биткоинов и Криптовалют

    Исследование использования криптовалют, в главном биткоинов, для совершения анонимных транзакций в даркнете.

    Поисковая Активность в Даркнете: Особенности и Риски

    Изучение поисковиков в даркнете, предостережения о потенциальных рисках и нелегальных ресурсах.

    Правовые Аспекты Даркнета: Последствия и Результаты

    Рассмотрение законных аспектов использования даркнета, предостережение о возможных юридических последствиях.

    Даркнет и Информационная Безопасность: Возможные Опасности и Противозащитные Действия

    Изучение возможных киберугроз в даркнете и рекомендации по обеспечению безопасности от них.

    Даркнет и Социальные Сети: Анонимное Общение и Группы

    Рассмотрение влияния даркнета в области социальных взаимодействий и формировании скрытых сообществ.

    Перспективы Даркнета: Тренды и Предсказания

    Предсказания развития даркнета и потенциальные изменения в его структуре в будущем.

  182. Взлом Telegram: Мифы и Фактичность

    Telegram – это популярный мессенджер, отмеченный своей высокой степенью шифрования и безопасности данных пользователей. Однако, в современном цифровом мире тема взлома Телеграм периодически поднимается. Давайте рассмотрим, что на самом деле стоит за этим понятием и почему взлом Телеграм чаще является мифом, чем реальностью.

    Кодирование в Telegram: Основные принципы Защиты
    Telegram славится своим превосходным уровнем кодирования. Для обеспечения конфиденциальности переписки между участниками используется протокол MTProto. Этот протокол обеспечивает конечно-конечное шифрование, что означает, что только отправитель и получатель могут читать сообщения.

    Мифы о Нарушении Telegram: По какой причине они возникают?
    В последнее время в сети часто появляются утверждения о нарушении Telegram и доступе к личным данным пользователей. Однако, основная часть этих утверждений оказываются неточными данными, часто развивающимися из-за недопонимания принципов работы мессенджера.

    Кибератаки и Раны: Фактические Опасности
    Хотя нарушение Телеграма в большинстве случаев является сложной задачей, существуют актуальные угрозы, с которыми сталкиваются пользователи. Например, атаки на индивидуальные аккаунты, вредоносные программы и другие методы, которые, тем не менее, нуждаются в личном участии пользователя в их распространении.

    Охрана Персональных Данных: Советы для Участников
    Несмотря на непоявление точной опасности взлома Telegram, важно соблюдать базовые меры кибербезопасности. Регулярно обновляйте приложение, используйте двухфакторную аутентификацию, избегайте подозрительных ссылок и фишинговых атак.

    Итог: Реальная Угроза или Паника?
    Взлом Telegram, как обычно, оказывается мифом, созданным вокруг обсуждаемой темы без явных доказательств. Однако безопасность всегда остается приоритетом, и пользователи мессенджера должны быть бдительными и следовать советам по обеспечению безопасности своей личной информации

  183. Взлом WhatsApp: Фактичность и Легенды

    Вотсап – один из известных мессенджеров в мире, широко используемый для передачи сообщениями и файлами. Он прославился своей кодированной системой обмена данными и гарантированием конфиденциальности пользователей. Однако в сети время от времени появляются утверждения о возможности взлома Вотсап. Давайте разберемся, насколько эти утверждения соответствуют фактичности и почему тема нарушения WhatsApp вызывает столько дискуссий.

    Кодирование в WhatsApp: Защита Личной Информации
    WhatsApp применяет end-to-end кодирование, что означает, что только передающая сторона и получатель могут понимать сообщения. Это стало основой для доверия многих пользователей мессенджера к защите их личной информации.

    Мифы о Нарушении WhatsApp: По какой причине Они Появляются?
    Сеть периодически наполняют слухи о нарушении WhatsApp и возможном доступе к переписке. Многие из этих утверждений порой не имеют оснований и могут быть результатом паники или дезинформации.

    Реальные Угрозы: Кибератаки и Охрана
    Хотя взлом Вотсап является сложной задачей, существуют реальные угрозы, такие как кибератаки на отдельные аккаунты, фишинг и вредоносные программы. Исполнение мер охраны важно для минимизации этих рисков.

    Охрана Личной Информации: Советы Пользователям
    Для укрепления безопасности своего аккаунта в WhatsApp пользователи могут использовать двухэтапную проверку, регулярно обновлять приложение, избегать сомнительных ссылок и следить за конфиденциальностью своего устройства.

    Заключение: Реальность и Осторожность
    Нарушение Вотсап, как правило, оказывается трудным и маловероятным сценарием. Однако важно помнить о реальных угрозах и принимать меры предосторожности для защиты своей личной информации. Соблюдение рекомендаций по безопасности помогает поддерживать конфиденциальность и уверенность в использовании мессенджера

  184. Взлом Вотсап: Фактичность и Мифы

    WhatsApp – один из самых популярных мессенджеров в мире, широко используемый для передачи сообщениями и файлами. Он известен своей кодированной системой обмена данными и обеспечением конфиденциальности пользователей. Однако в сети время от времени появляются утверждения о возможности взлома Вотсап. Давайте разберемся, насколько эти утверждения соответствуют реальности и почему тема нарушения WhatsApp вызывает столько дискуссий.

    Шифрование в WhatsApp: Охрана Личной Информации
    Вотсап применяет точка-точка шифрование, что означает, что только отправитель и получающая сторона могут понимать сообщения. Это стало основой для уверенности многих пользователей мессенджера к защите их личной информации.

    Легенды о Нарушении Вотсап: Почему Они Появляются?
    Сеть периодически наполняют слухи о взломе Вотсап и возможном доступе к переписке. Многие из этих утверждений часто не имеют обоснований и могут быть результатом паники или дезинформации.

    Фактические Угрозы: Кибератаки и Охрана
    Хотя нарушение Вотсап является сложной задачей, существуют реальные угрозы, такие как кибератаки на отдельные аккаунты, фишинг и вредоносные программы. Соблюдение мер безопасности важно для минимизации этих рисков.

    Охрана Личной Информации: Советы Пользователям
    Для укрепления безопасности своего аккаунта в Вотсап пользователи могут использовать двухэтапную проверку, регулярно обновлять приложение, избегать подозрительных ссылок и следить за конфиденциальностью своего устройства.

    Итог: Фактическая и Осторожность
    Взлом WhatsApp, как обычно, оказывается трудным и маловероятным сценарием. Однако важно помнить о актуальных угрозах и принимать меры предосторожности для защиты своей личной информации. Исполнение рекомендаций по безопасности помогает поддерживать конфиденциальность и уверенность в использовании мессенджера.

  185. RaymondMow says:

    купить фальшивые рубли
    Сознание сущности и угроз привязанных с обналом кредитных карт может помочь людям предотвращать атак и сохранять свои финансовые ресурсы. Обнал (отмывание) кредитных карт — это механизм использования украденных или незаконно полученных кредитных карт для совершения финансовых транзакций с целью скрыть их происхождения и предотвратить отслеживание.

    Вот некоторые из способов, которые могут помочь в уклонении от обнала кредитных карт:

    Сохранение личной информации: Будьте осторожными в отношении предоставления личных данных, особенно онлайн. Избегайте предоставления картовых номеров, кодов безопасности и других конфиденциальных данных на непроверенных сайтах.

    Надежные пароли: Используйте надежные и уникальные пароли для своих банковских аккаунтов и кредитных карт. Регулярно изменяйте пароли.

    Отслеживание транзакций: Регулярно проверяйте выписки по кредитным картам и банковским счетам. Это способствует своевременному выявлению подозрительных транзакций.

    Антивирусная защита: Используйте антивирусное программное обеспечение и обновляйте его регулярно. Это поможет защитить от вредоносные программы, которые могут быть использованы для кражи данных.

    Осмотрительное поведение в социальных медиа: Будьте осторожными в социальных сетях, избегайте публикации чувствительной информации, которая может быть использована для взлома вашего аккаунта.

    Своевременное уведомление банка: Если вы заметили какие-либо подозрительные операции или утерю карты, сразу свяжитесь с вашим банком для отключения карты.

    Образование: Будьте внимательными к современным приемам мошенничества и обучайтесь тому, как предотвращать их.

    Избегая легковерия и проявляя предельную осторожность, вы можете минимизировать риск стать жертвой обнала кредитных карт.

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