1997
1998
1999
2000
2001
2002
2003
2004
0.004
0.006
0.008
0.01
0.012
0.014
0.016
0.018
0.02
Observed
TTC_PD
PIT_PD
Observed vs TTC vs PIT by Year (Test Sample)
Year
Default Rate / PD
plotly-logomark