medium · Debt Capital Markets credit-ratings-risk

Which of the following describes 'Excess Spread' in the context of a securitization structure?

  1. The extra spread investors demand for holding a labeled ESG green bond instead of a conventional bond.
  2. The difference between the interest collected from the assets and the interest paid to the debt tranches and fees.
  3. The portion of the quoted credit spread that exceeds the market-implied risk-neutral probability of issuer default.
  4. The unscheduled principal repayment that occurs when a mortgage borrower refinances or prepays the underlying loan early.

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