yacop
Posts: 68 
Likes: 42
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Post by yacop on Feb 1, 2016 20:39:19 GMT
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JamesFrance
Member of DD Central
Port Grimaud 1974
Posts: 1,323
Likes: 897
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Post by JamesFrance on Feb 2, 2016 9:12:14 GMT
Thanks for these yacop, I hoped you would post these here as you did on the forum that disappeared. |
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yacop
Posts: 68
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Post by yacop on Apr 2, 2016 15:23:43 GMT
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Post by perpetualtraveler on May 2, 2016 10:12:47 GMT
Thanks! Is there an explanation of these numbers somewhere? If not, can I find the actual sheet somewhere?
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yacop
Posts: 68
Likes: 42
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Post by yacop on May 4, 2016 15:56:35 GMT
Thanks! Is there an explanation of these numbers somewhere? If not, can I find the actual sheet somewhere? What Explanation do you need? The spreadsheet is on my computer.
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Post by perpetualtraveler on May 5, 2016 7:39:25 GMT
Ok yes two questions, what is EAD1, and two what is the tax rate you used to calculate after taxes?
And if you have some interpretation of these numbers/ratios that would be great too.
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Post by coolrunning on May 5, 2016 9:40:08 GMT
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yacop
Posts: 68
Likes: 42
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Post by yacop on May 5, 2016 15:05:12 GMT
Ok yes two questions, what is EAD1, and two what is the tax rate you used to calculate after taxes? And if you have some interpretation of these numbers/ratios that would be great too. Hello, please follow the link from coolrunnings. There you find the explanation of most of the terms I am using. The tax rate is 26.375% (german income tax). Ratio (EAD1 - Recovery) / Fundedamount = % of fundedAmount defaulted after recovery. 20% means that from 100 Euro of principal, 20 Euro are still in default and unrecovered. Ratio (EAD1 - Recovery) / InterestPenaltiespaid after Taxes = % of Interest required to cover defaulted amount after recovery. 100% means that all interests after taxes are needed to cover defaulted amount = no gain after taxes > 100% = loss for investors Ratio (EAD1 - Recovery) / Totalinterest after Taxes = this is a projection if paid and still outstanding interest (up to maturity) can cover the defaulted amount after recovery. 100% means that all interests (paid and outstanding) are necessary to cover toay's defaulted, still unrecovered funded amount. hope that helps. etc.
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Post by perpetualtraveler on May 9, 2016 11:24:11 GMT
Thanks again, if at all possible it would be great to get some conclusions from this data.
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Post by Estonia Invest on May 16, 2016 23:11:11 GMT
Ok, so I looked at this spreadsheet over and over but I don't understand what is your actual annual ROI with Bondora based on this spreadsheet? Also you seem to be very concerned with tax, but in my country, there is no tax (yes, I am absolutely sure  ). So that's a plus. Also, on the bondora dashboard it's showing me my annual ROI is about 17% (it fluctuates). It sound like you are saying it's not correct. How can I calculate what it really is? I have 100% Estonian loans. Thanks! |
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yacop
Posts: 68
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Post by yacop on May 17, 2016 12:36:30 GMT
Ok, so I looked at this spreadsheet over and over but I don't understand what is your actual annual ROI with Bondora based on this spreadsheet? Also you seem to be very concerned with tax, but in my country, there is no tax (yes, I am absolutely sure ). So that's a plus. Also, on the bondora dashboard it's showing me my annual ROI is about 17% (it fluctuates). It sound like you are saying it's not correct. How can I calculate what it really is? I have 100% Estonian loans. Thanks! My Data does not calculate the ROI. The most important information, and my guide line, is the Ratio (EAD1 - recovery) / Interest after taxes.
It compares the amount of interest (after taxes) received and the amount of funded loans still in default. The meaning is quite simple and common sense: =100% = interest cover Defaults --> no gain for Investors --> ROI is around 0 > 100% = loss for Investors --> ROI is negative (but I do not know how much)
for pretax: multiply the figures with 0.74.
The quality of this ratio tends to increase with the time passed since funding as defaults occur and recovery starts. The longer, the better. This applies also to the ROI calculation of Bondora.
If you want to know the ROI I have to Hand you over to raahaforum. He has been doing a lot of data mining on Bondora's loan data. Basically, the results are the same (everything except estonian loans are basically underwater) as mine but his Analysis is much more advanced. see here: rahafoorum.ee/en/rahafoorum-now-also-available-english/
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carlos
I'm short Bondora and long p2p.
Posts: 104
Likes: 21
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Post by carlos on May 18, 2016 19:17:53 GMT
From Loanbook 01.April 2016 Hi yacop, have you checked LoanData.csv lately? Since change of format from xlsx to csv I'm missing about hundreds of funded loans (WasFunded = 1). For example LoanNumber 408418. Maybe you will notice the same next time you prepare general stats... Thanks...
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yacop
Posts: 68
Likes: 42
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Post by yacop on May 19, 2016 19:52:24 GMT
From Loanbook 01.April 2016 Hi yacop, have you checked LoanData.csv lately? Since change of format from xlsx to csv I'm missing about hundreds of funded loans (WasFunded = 1). For example LoanNumber 408418. Maybe you will notice the same next time you prepare general stats... Thanks... will check end of May
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Post by rahafoorum on May 20, 2016 13:11:08 GMT
Any chance the missing loans were duplicates that were cancelled after the fact?
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yacop
Posts: 68
Likes: 42
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Post by yacop on Jun 15, 2016 11:19:54 GMT
Hi yacop, have you checked LoanData.csv lately? Since change of format from xlsx to csv I'm missing about hundreds of funded loans (WasFunded = 1). For example LoanNumber 408418. Maybe you will notice the same next time you prepare general stats... Thanks... will check end of May
I checked the loan volume per year prior to 2015 and it did not change from my previous post. So I assume that all loans are still there. I assume that some loans - chanceled loan - got removed.
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). So that's a plus.