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Default Rates Loans 2022
On this page you will find all information about the default rates of loans published in 2022.
Default Rates Loans 2022
Within four months of the end of each financial year MCF is, under the crowdfunding regulation, required to publish its default rates. The following default rates are calculated and published: 1. The default rate of all loans without distinguishing between Risk Classes. The default rate of all loans by Risk Class. MCF has calculated its default rates for the year 2022 (Jan 2022 – Dec 2022). Default rates for the year 2022 are listed below. Information as to the methods for calculating the default rates is below the table.
Default rate of all loans
Active Loans 01-2022
56
Loans with default event in 2022
11
Default rate of all loans
11/56 = 19,6%
Calculation of the default rate of all loans:
the denominator consists of the number of non-defaulted loans observed at the beginning of the 12-month observation window
the numerator includes all loans considered in the denominator that had at least one default event during the 12-month observation window.
Loans for which no payment is scheduled during a 12-month period shall be excluded from the data set used to calculate the default rate for the stated period.
Default rate of all loans by risk category
Risk Class C loans
35
Risk Class C loans in default
9
Risk Class B loans
21
Risk Class B Loans in default
2
Default rate Class C
9/35= 25,71%
Default rate Class B
2/21= 9,52%
Calculation of the observed one-year default rate of all loans by risk category:
the denominator consists of the number of non-defaulted loans observed at the beginning of the 12-month observation period within the risk category for which the default rate is calculated.
the numerator includes all loans considered in the denominator that had at least one default event during the 12-month observation period.
