‹ CM: Credit Risk Management Appendix CM 2: Code of Best Practice on Consumer Credit and Charging › Appendix CM 1: Sovereign Debt Provisioning Matrix Past version: Effective from 19 Jul 2025 to 31 Dec 2022 To view other versions open the versions tab on the right Please download the Form in PDF format. ‹ CM: Credit Risk Management Appendix CM 2: Code of Best Practice on Consumer Credit and Charging ›