with a better browsing experience; allow us to assess, monitor, and improve the website’s
performance; and enable our partners to advertise to you. You may disable the cookies by changing
the settings in your browser, and you may tell us not to share your cookie data with third parties.
Capital adequacy is central to a bank’s ability to provide loans to creditworthy consumers and absorb losses during economic down cycles. As consumers’ ability to pay changes with shifts in the economy, FICO® Score Economic Calibration Service can be used to inform its capital adequacy testing, loan loss forecasting and develop economically sensitive business strategies.