@mastersthesis{publication-18159,
	author={Grabchev, Nikolay Grigorov},
	editor={Farkas, W},
	faculty={Faculty of Business, Economics and Informatics},
	institution={University of Zurich},
	pages=89,
	title={IFRS 9 Point-in-Time Probability of Default Modelling with Focus on Mortgages and Significant Increase in Credit Risk},
	year=2019,
}