@article{modellingthetermstructureofdefaultrisk,
  title = {Modelling the term-structure of default risk under IFRS 9 within a multistate regression framework},
  author = {Arno Botha and Tanja Verster and Roland Breedt},
  year = {2025},
  eprint = {2502.14479},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2502.14479v2},
}