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be divided into two broad categories -
* Macroeconomic information like house price indices, unemployment, GDP growth rates, etc. - this information remains the same for multiple obligors.
* Obligor specific information like revenue growth (wholesale), number of times delinquent in the past six months (retail), etc. - this information is specific to a single obligor and can be either static or dynamic in nature. Examples of static characteristics are industry for wholesale loans and origination "loan to value ratio" for retail loans.

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