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Credit risk remains one of the major risks faced by most financial and credit institutions. It is deeply connected to the real economy due to the systemic nature of some banks, but also because well-managed lending facilities are key for wealth creation and technological innovation. This book is a collection of innovative papers in the field of credit risk management. Besides the probability of default (PD), the major driver of credit risk is the loss given default (LGD). In spite of its central importance, LGD modeling remains largely unexplored in the academic literature. This book proposes three contributions in the field. Ye & Bellotti exploit a large private dataset featuring non-performing loans to design a beta mixture model. Their model can be used to improve recovery rate forecasts and, therefore, to enhance capital requirement mechanisms. François uses instead the price of defaultable instruments to infer the determinants of market-implied recovery rates and finds that macroeconomic and long-term issuer specific factors are the main determinants of market-implied LGDs. Cheng & Cirillo address the problem of modeling the dependency between PD and LGD using an original, urn-based statistical model. Fadina & Schmidt propose an improvement of intensity-based default models by accounting for ambiguity around both the intensity process and the recovery rate. Another topic deserving more attention is trade credit, which consists of the supplier providing credit facilities to his customers. Whereas this is likely to stimulate exchanges in general, it also magnifies credit risk. This is a difficult problem that remains largely unexplored. Kanapickiene & Spicas propose a simple but yet practical model to assess trade credit risk associated with SMEs and microenterprises operating in Lithuania. Another topical area in credit risk is counterparty risk and all other adjustments (such as liquidity and capital adjustments), known as XVA. Chataignier & Crépey propose a genetic algorithm to compress CVA and to obtain affordable incremental figures. Anagnostou & Kandhai introduce a hidden Markov model to simulate exchange rate scenarios for counterparty risk. Eventually, Boursicot et al. analyzes CoCo bonds, and find that they reduce the total cost of debt, which is positive for shareholders. In a nutshell, all the featured papers contribute to shedding light on various aspects of credit risk management that have, so far, largely remained unexplored.

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If you are searching for a good homeopathic college in Allahabad, Mahrishi College of Homeopathic Pharmacy is an excellent choice for quality education and professional training. The college is committed to preparing skilled Homeopathic Pharmacists through a balanced approach of academic learning and practical exposure. At Mahrishi College, students gain in-depth knowledge of homeopathic principles, pharmacology, medicine preparation, dispensing techniques, and pharmacy management. Experienced

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Shankar Distillers

. This article highlights how each step works together to influence fermentation health, sugar yield, and flavor structure. When raw materials are managed scientifically, the resulting whiskey gains depth, consistency, and complexity that carry through distillation and maturation.

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This Special Issue focused on novel vision-based approaches, mainly related to computer vision and machine learning, for the automatic analysis of human behaviour. We solicited submissions on the following topics: information theory-based pattern classification, biometric recognition, multimodal human analysis, low resolution human activity analysis, face analysis, abnormal behaviour analysis, unsupervised human analysis scenarios, 3D/4D human pose and shape estimation, human analysis in virtual/augmented reality, affective computing, social signal processing, personality computing, activity recognition, human tracking in the wild, and application of information-theoretic concepts for human behaviour analysis. In the end, 15 papers were accepted for this special issue. These papers, that are reviewed in this editorial, analyse human behaviour from the aforementioned perspectives, defining in most of the cases the state of the art in their corresponding field.

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Renovation of house with smart glass film concept is always a great idea. Here inno-glass is one of the best company who serve the demands on hundreds of architects, interior designers, retailers, office fit-out companies, partitioning firms and more worldwide.

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Astro Vape

Astro Vape supplies premium vape e-liquid in the UK, formulated for rich flavour, smooth throat hits, and consistent vapour production. Our e-liquids are crafted using high-quality ingredients and are available in a variety of flavours and nicotine strengths. Perfect for everyday vaping, Astro Vape e-liquids deliver quality, reliability, and an enjoyable experience for both new and experienced vapers. https://astrovape.co.uk/collections/e-liquids

As data protection rules tighten worldwide—from the EU’s GDPR to China’s PIPL and India’s DPDPA—staying compliant is no longer optional. In 2025, privacy is not just a legal mandate; it is a trust strategy. Learn how to: • Navigate major privacy frameworks (GDPR, CCPA/CPRA, LGPD, PIPL, DPDPA) • Apply universal principles like consent, transparency, and data minimization • Build a privacy-first culture that turns compliance into a competitive advantage

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Aarna

Head injuries can happen suddenly through accidents, falls, sports injuries, or even minor impacts. While some head injuries are mild and heal quickly, others may involve hidden bone damage that requires medical attention. In such cases, doctors often recommend a Skull X ray to evaluate the bones of the head and detect fractures or other abnormalities. At Aarna Diagnostic Centre, Dehradun, we provide advanced digital skull X rays with high resolution imaging and fast reporting, helping doctors t