The starting point for estimating credit risk measures is to select the variables (economic and financial indicators) that reflect the economic and financial condition of local self-government units.

The variables used in creating credit risk measures may have different natures:

• stimulants - variables whose higher values reflect a better standing of a local self-government unit (bank's credit risk is lower),
• destimulants - variables whose higher values reflect a worse standing of a local self-government unit (bank's credit risk is higher),
• nominants - variables whose optimum values (reflecting the minimum credit risk of a bank) are within a certain range (or have a specifically-set value).

Program provides the User with two approaches to representative ratios selection:

• PONT Info - standard
• User - defined standard