An important performance measure for this perspective is process time. However, in the list of bank performance measures, there is no measure related to process time. Therefore, it would be useful for the bank to include process time as one of the measures in its scorecard. Examples of process times include the time it takes bank tellers to serve customers and the time it takes to process loan applications. Apart from the length of the process, there is also no credit quality measure in the list of measures. Simply increasing the number of loan applications and loan balances is not enough; The quality of the borrower and the loan should also be guaranteed. A good measure to include in the list would be the percentage of bad loans in Dell's loan portfolio’