Credit exposure is measured as per company credit policy. The limit structure can be very generic from a credit quality as per official credit rating by accredited credit rating agencies or internal credit limits per individual counterparties. A combination of the above can also be incorporated in the design of the credit risk module. Exception reports and unutilized facilities can be viewed on a real-time basis. Credit risk can be viewed as a combination of asset and liabilities with the inclusion of GBF’s in a tailor made fashion.