HTS Customer Finance Program

• Business Plan
  • Strategic Objectives
  • HTS Opco Advantages
  • Loan Types
  • Evaluating Investment in HTS Fico

CREDIT MODEL

• Credit Risk Modelling
  • Loss Distribution
  • Probability of Default
  • Loss Given Default
  • Loss Models
    • Model 1: PD / LGD Uncorrelated
    • Model 2: PD / LGD Correlated
  • Simulating Losses
• LGD
  • Recovery Costs
  • Asset Value
• Loan Pricing
  • Capital Driven
  • Market Driven

FINANCIAL MODEL

• Financial Model
  • Inputs
  • Assumptions
  • Process
  • Building the Code
  • Financials
  • Investment Evaluation
  • 3rd Party Borrowing