Question 1 (9 marks | Word limit: 250 words)(a) Define the three (3) key contributors to evaluating a credit risk exposure. (b) How are these factors combined to evaluate an expected loss? (c) You are analysing your exposure to XYZ Pty Ltd and have been given the following information:15yr loan owed by XYZ $7,200,000XYZ credit rating BBCredit ratings matrixCalculate the 1-year and 5-year expected loss on this loan.