hard · Asset-Backed Securities

A $200M Equipment Lease ABS is structured with a 'Residual Value' component representing 25% of the total pool balance.

If the AAA stress scenario assumes a 30% shortfall in realized residual values, what is the impact on the required credit enhancement for the senior bond?

  1. The residual risk is ignored if the leases are 'Full Payout' contracts.
  2. The sponsor must provide a letter of credit covering the 30% shortfall.
  3. The senior support must increase by 7.5% to cover the residual risk alone.
  4. The senior bond balance must be reduced by $50M at closing.

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