@misc{forster2013modelling,
  title={Modelling time and vintage variability in retail credit portfolios: the decomposition approach},
  author={Jonathan J. Forster and Agus Sudjianto},
  year={2013},
  eprint={1305.2815},
  archivePrefix={arXiv},
  primaryClass={stat.AP},
  url={https://arxiv.org/abs/1305.2815}
}