Permanent loss
The written off part after the set recovery. Successive scenarios are applied to the remaining value to limit double counting.
WHAT IF...
P2P portfolio Stress Test
Combine adverse scenarios and see the possible effect on value, annual income and capital availability.
Important: the test does not predict the future and does not determine probability. It applies your chosen hypothetical assumptions to the entered portfolio.
Portfolio
Enter summary positions by platform, loan originator and country.
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Stress scenarios
Activate one or more scenarios and change assumptions.
Temporary blocking
Freezes and delays limit access to capital but are not automatically considered a final loss.
Income after stress
It is calculated on the remaining value and takes into account the specified decline in interest on the reinvested part.
For the stress test
Does stress testing predict future losses?
No. The tool shows what would happen in user-specified hypothetical scenarios and does not predict the likelihood of them happening.
Can multiple scenarios be combined?
Yes. Active scenarios are applied sequentially, and the result separates permanent losses, temporarily blocked capital and deferred income.
How is a platform freeze reported?
Capital in the selected platform is shown as temporarily unavailable without automatically being treated as a permanent loss.