easy · FRM Part 2 Credit Risk

If a transition matrix is 'Through-the-Cycle' (TTC), what is the expected behavior of the ratings when the economy enters a temporary boom?

  1. Most obligors should be immediately upgraded to reflect the better environment.
  2. The ratings should remain relatively stable with minimal migrations.
  3. The matrix diagonal will drop to zero as everyone moves to higher grades.
  4. The default probabilities within each grade will remain perfectly constant.

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