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the specifics of the credit facility such as collateral and/or exposure structure.186 Although the probability of default can be calculated for any period of time, probabilities are generally estimated at an annual horizon. However, PD can and does change over time. A counter-party s PD in the second year of a loan is typically higher than its PD in the first year.187 This behavior can be modeled by using so-called migration or transition matrices.188 Since these matrices are based on the Markov property,189 they can be used to derive multiperiod PDs both cumulative190 and marginal191 default probabilities.192 The remaining two components reflect and model the product specifics of a borrower s liability. 2. Exposure amount (EA): The exposure amount EA, for the purposes of the EL calculation, is the expected amount of the bank s credit exposure to a customer or counterparty at the time of default. As described above, this amount includes all outstanding payments (including interest) at that time.193 These overall outstandings can often be very different from the outstandings at the initiation of the credit. This is especially true for the credit risk of derivative transactions (such as swaps), where the quantification of EA can be difficult and subject to Monte Carlo simulation.194 3. Loss rate (LR): When a borrower defaults, the bank does not necessarily lose the full amount of the loan. LR represents the ratio of actual losses incurred at the time of default (including all costs associated with the collection and sale of collateral) to EA. LR is, therefore, largely a function of collateral. Uncollateralized, unsecured c# convert pdf to docx Convert Docx to PDF in C# - Word file to PDF Converter SDK - iDiTect
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