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      "text": "Credit risk model confirmation: Our approach to model confirmation involves both quantitative methods, e.g., monitoring compositional changes in portfolios and results of backtesting, and qualitative assessments.",
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      "text": "1 Average of all observations over the last five years. 2 Minimum / maximum annual average of observations in any single year from the last five years. 3 Average PD estimation is based on all rated clients. 4 Sovereign PD model is calibrated.",
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