DA- Discriminant Analysis EAD- Exposure at Default IRBA- Internal Ratings Based Approach K S Test- Kolmogorov Sminov Test LGD- Loss Given Default. LR-Linear Regression MFI MPS- Monetary Policy Statement NCB- National Credit Bereau PD- Probability of Default RBZ-Reserve Bank of Zimbabwe. ROE- Return on Equity SME - Small and Medium Enterprises WSBI