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There are two approaches to measure credit risk: one is use of credit ratings (external and /or internal) - Banks should have a comprehensive risk scoring / rating system that serves as a single point indicator of diverse risk factors of a counterparty and for taking credit decisions in a consistent manner. Another method is estimating the loan loss i.e. expected loss (t he average loss that the organization expects from exposure over a fixed time period, usually a year) using 3 integral components (known as risk components) that are required to be estimated for credit risk quantification. o Probability of Default (PD): It refers to the probability/risk/chance of a borrower defaulting on the payment of the credit obligations, within a given time horizon, usually one year. o Loss Given Default (LGD): It refers to the loss likely to be suffered in the event of a default occurring in an exposure. It takes into account the number of recoveries likely to be made post default o Exposure at Default (EAD): It refers to the amount that is exposed to the default risk. It is usually the amount outstanding as well as undrawn commitment that is expected to be drawn by the time of default.
Kirchhoff's Voltage Law (KVL) is based on the principle of:
What is the function of an IP address in a computer network?
Which recovery technique involves creating a new database instance from a previous full backup and then applying transaction logs up to the desired reco...
calculate the complexity of the below recursive code
Int f(int n)
{
If(n
return 1;
return f(n/2)+f(n/2);
}
In the context of database backup, what does the term "point-in-time recovery" refer to?
Which type of tree provides better performance for read-intensive workloads?
What data structure is commonly used to represent the parse tree in parsing?
ISP stands for
Default value of boolean variable in an array
What is the main drawback of using large batch sizes in mini-batch gradient descent during training?