![]() ![]() ![]() It is based on unexpected losses and premiums associated with the transactions and is represented as a fraction of the original exposures. The net capital charge of CRT transactions is represented as B5 m -mortgage-related net loss and LAE reserves risk -in the net required capital formula that is part of BCAR. These tables also highlight some of the key components of the factor-based method used to calculate net capital charges in the Best's Capital Adequacy Ratio (BCAR) model. AM Best has updated tables of net capital charges associated with a representative sample of mortgage-related transactions from Fannie Mae and Freddie Mac's credit risk transfer (CRT) programs, Freddie Mac's Agency Credit Insurance Structure (ACIS) and Fannie Mae's Credit Insurance Risk Transfer (CIRT).
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