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Post by coolrunning on Jun 6, 2018 20:58:47 GMT
Strangely, in June, the Feb figure appears.
Only the Feb figure.
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Post by coolrunning on May 24, 2018 17:08:03 GMT
On my stats page, the 2 graphs for:
Cash flow from recoveries and the Actual Cash Flow
stop in Dec 2017, whereas the other graphs go on. Do others see this problem?
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Post by coolrunning on Apr 28, 2018 7:54:50 GMT
This is a result of the 'fractional' system update. Many of my SM sales offerings got a 0.00 credit (actually around 0.00001) which then wiped them off the SM since I had received a payment! Now I have to relist them manually.
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Post by coolrunning on Apr 20, 2018 11:18:02 GMT
I have been looking at Bondora's report of today (20.4.18) entitled "No F or HR rated loans issued in Estonia in Q4 of 2017 – More stats here"
I have been checking out the section "Actual and targeted net returns across the board per quarter", in particular the results for the 1st quarter 2016. Why this one? It happens to be old enough to give 'stable' numbers and the last one in which I had substantial PM bids.
For Est they give actual returns of 17.42% (C loans) and 20.45% (D) For Fin they give actual returns of 8.11% (C loans) and 11.45% (D)
During the 1st quarter 2016 I had the PM bidding on C and D loans from Est and Fin and I look at my results
I group loans into Good (current + repaid) and defaults. I have no overdues in this group.
For my Est loans: Good - 15 Default - 9
For my Fin loans: Good - 2 Default - 11
Together: Good - 17 Default - 20
Can anyone propose how their favourable results and my awful ones can be reconciled ?
Is it just bad luck ?
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Post by coolrunning on Apr 16, 2018 11:30:27 GMT
I can imagine that the calculation does not take proper account of sales of defaulted loans. Does anyone know how Bondora calculates? Already explained it several posts ago. Do you mean this one: Post by ders on Jul 28, 2016 at 9:56am Do you use FB and can look fellows group? I was discussing a bit about this topic. I was interested in recovery of interest not just recovery of principals. Also good review is there rahafoorum.ee/bondora-taastumismaarad/
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Post by coolrunning on Apr 16, 2018 6:20:57 GMT
My own stats on March 20 : Going down ! I don't understand how recovery can go down. Even if it seems to be very very poor anyway. I can imagine that the calculation does not take proper account of sales of defaulted loans. Does anyone know how Bondora calculates?
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Post by coolrunning on Apr 13, 2018 12:41:54 GMT
My own stats on March 20 :
Recovery rate 2014 2.5% 2015 4.9% 2016 2.3% 2017 1.0%
on April 13 :
Recovery rate 2014 2.4% 2015 4.8% 2016 2 2% 2017 0.9%
Going down !
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Post by coolrunning on Apr 2, 2018 19:35:03 GMT
OK so you just have 2 years to report. Look at the stats page, down the bottom, go to left top of bottom graph (the one in blue) and switch to yearly display. That is where mine came from. 2016: 8.3% 2017: 9.6% Do you think these numbers are actually meaningful? I think they are only usefull in the very very longterm after holding your amount invested constant. Otherwise they will be skewed by the dynamics of investing and (delayed) recovery. How practical is such a number at all? Longterm yes, not very longterm. They should grow as years pass. You need to look back 4 years to have a good feel. I must admit I do not know in detail how they are calculated, but holding your amount invested constant should not be a factor. This is what Bondora says: We calculate the recovery rate by comparing actual principal cash flow (net of write-offs) that occurred after the default with principal cash flow that we would have expected from the loan in case it had paid according to the agreed schedule. This measure allows us to determine the expected capital loss on loans that default.
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Post by coolrunning on Apr 2, 2018 8:14:52 GMT
OK so you just have 2 years to report.
Look at the stats page, down the bottom, go to left top of bottom graph (the one in blue) and switch to yearly display.
That is where mine came from.
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Post by coolrunning on Apr 1, 2018 17:01:36 GMT
Mine are also far away from the published Bondora-Blog figures. From the loans totalling 360€ outstanding principal which defaulted almost two years ago, I constantly receive 0.5-1.5€/month... Recently I downloaded the full Bondora Loanbook and did some filtering/processing on it and indeed the recovery figures are looking really good but in my portfolio that´s not the case and I am mostly invested in B,C,D loans from estonia. How do your recoveries breakdown by year? (From the Bondora stats page at the bottom)
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Post by coolrunning on Mar 26, 2018 17:51:21 GMT
Depends on in what you've invested. Mine is much better. The last two years €300 and more each month from defaulted loans. By country, my loans are from: Est 62% Fin 35% Spa 3% Mostly C.D.E loans
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Post by coolrunning on Mar 20, 2018 18:18:38 GMT
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Post by coolrunning on Jan 12, 2018 17:34:59 GMT
2nd mkt back now
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Post by coolrunning on Jan 11, 2018 10:42:36 GMT
I have lots of problems with the 2nd market.
Looking at the resale reports, it appears to me that there have been no sales in the 2 mkt since 4 Jan.
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Post by coolrunning on Jan 10, 2018 11:11:47 GMT
I have Spanish loans on SM with payment history which are not being sold even at 90% discount, the same with dozens of Estonian loans offered at -75%+ . You can just start at -60% and readjust unsold loans after week or so until you reach your own mental limit Spanish defs are clearly the hardest to sell. Est you can try to sell at 80%, Fin around 85% and if nothing goes, increase the discount. But the market does change over time as I noted in my earlier post.
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