A commercial bank with a structured loan portfolio as described below is faced with a spike in demand for car loans from individual clients.

Write a report to the credit manager advising him about the following:

- The impact on the overall risk profile of the lending portfolio which currently stands at:

Motor vehicle loans: 30%

Mortgage loans: 40%

Credit card advances: 30%

- the risks to be considered in the structuring of a motor vehicle loan.