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fDesc[0] = "FitchPCM is a software that simulates the default behaviour of individual assets in credit portfolio. The 2.2 version incorporates the updates to the criteria "Criteria for Rating European Granular Corporate Balance-Sheet Securitisations (SME CLOs)". The model identifies all obligors that represent more than 50bps of the portfolio and applies the stress as described in the criteria report.";

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