67. Institutions should apply the chosen rating philosophy consistently over time. Institutions …

Institutions should apply the chosen rating philosophy consistently over time. Institutions should analyse the appropriateness of the philosophy underlying the assignment of obligors or exposures to grades or pools (‘rating philosophy’), taking into account all of the following:

• (a) design of risk drivers;
• (b) migration across grades or pools;
• (c) changes in the yearly default rates of each grade or pool.

1. Forbhreathnú

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

3. Caighdeáin ghaolmhara

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