The standard
Methodology and versions
Every model and document that decides a status, a score or a class is versioned, effective-dated and hashed. Nothing is changed in place.
| Version | Effective from | Effective to | Hash | Changes |
|---|---|---|---|---|
| risk-model 1.1.0Live | 01 Jul 2026 | Current | 0x4d0a...3a1d | Private Credit drivers added (borrower concentration, servicer dependency, recovery data). |
| risk-model 1.0.0 | 20 Jan 2026 | 30 Jun 2026 | 0x5e1b...6e4b | R1 to R5 with expected-loss bands and the published driver list. |
Re-scoring on a new version
A new scoring or risk model applies to new cases from its effective date and to existing listings at their next scheduled review. Passports show both the version that scored them and the version currently in force, so a difference is visible, never silent.