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Credit commission. Contract term: unlimited Interest rate period: quarterly. Termination notice period of 30 days for both contracting parties. Days after the Reserve Bank took an unprecedented step of warning banks of their ballooning retail book, a foreign brokerage has cautioned against increasing default risks in retail unsecured loans of banks. According to Swiss brokerage UBS Securities, increasing default risks in retail unsecured loans of banks is likely to push up their credit losses by bps.

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