medium · Debt Capital Markets

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

  1. The extra yield paid to investors for buying a 'labeled' ESG bond versus 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 credit spread that exceeds the market-implied probability of default.
  4. The principal repayment that occurs when a mortgage borrower refinances their loan early.

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