Credit Mgt Classifies the reported data according to method by which the reporting party manages problems related to its credit exposure. Individually The reported data relates to troublesome exposures that are managed on a transaction basis and typically subject to individual review. Portfolio The reported data relates to credit problems managed on a portfolio basis. Exposures managed on a portfolio basis are typically homogenous and often approved and managed using statistical management techniques. Portfolio managed exposures are often not subject to formal regular review other than in cases where payments are behind agreed repayment schedules or indebtedness is outside approved limits.