{ "cells": [ { "cell_type": "markdown", "id": "whole-spare", "metadata": {}, "source": [ "## LGD ##\n", "
\n", "\n", "+ at the time of default, LGD is a simple calculation:\n", "\n", "$$ \\text{Principal Owed} - \\text{Asset Value} - \\text{Recovery Costs} $$\n", "\n", "+ predicting LGD is very difficult with current models tending to be very complex\n", "\n", "And so, recovery costs and asset value are key considerations when trying to both predict losses and actually operate a fico.\n", "\n", "

\n", "\n", "### Recovery Costs ###\n", "\n", "+ can be projected fairly easily, in particular if a 3rd party is contracted for repossession and/or storage and/or sale\n", "+ if repo companies contracted for sale, they generally get below market value as usually dispose through auction or otherwise\n", "+ *could* be a recovery *benefit* if Opco takes product back into inventory and sells it at market value (and market value is more than the princpal owed)\n", "+ agreement between Opco / Fico could govern terms at which Opco would take back into inventory, e.g. at what price would Opco buy it back\n", "\n", "### Asset Value ###\n", "\n", "The value of an asset has several features that add uncertainty LGD.\n", "\n", "

\n", "\n", "**Changes over Time**\n", "\n", "+ Generally, the value of an asset decays exponentially. The principal on a loan almost always \"decays\", or is repaid, straight-line.\n", "+ I think most people understand this about new vehicles. If a person gets 100% financing on a new car, I think its generally understood that the car is worth less than the amount owed the moment it is driven of the car lot.\n", "+ this is commonly thought of as a risk to the buyer/borrower. If forced to sell the vehicle and settle the loan, they would have to pay out of pocket for some portion.\n", "+ BUT *this is also a risk to seller/lender*, who would also be \"out of pocket\" whatever amount the resale value is less than the amount owed (this is the loss given default).\n", " \n", " " ] }, { "cell_type": "code", "execution_count": 1, "id": "polar-configuration", "metadata": { "nbsphinx": "hidden" }, "outputs": [], "source": [ "%load_ext autoreload\n", "%autoreload 2\n", "\n", "import matplotlib.pyplot as plt\n", "from IPython.core.display import display, HTML, Markdown\n", "\n", "import sys\n", "sys.path.append('..')\n", "from htsfi.main import *\n", "\n", "update_style()\n", "plt.style.use('htsfi')" ] }, { "cell_type": "code", "execution_count": 2, "id": "generous-couple", "metadata": { "scrolled": false, "tags": [ "hide_input" ] }, "outputs": [ { "data": { "image/png": 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", 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" ] }, "metadata": { "needs_background": "light" }, "output_type": "display_data" } ], "source": [ "import numpy as np\n", "from scipy.stats import bernoulli as bern, beta, gamma, norm, expon\n", "\n", "fig, ax = plt.subplots(figsize=(11,7))\n", "\n", "loan = 100000\n", "x = np.arange(11)\n", "owed = np.linspace(loan, 0, 11)\n", "ax.plot(x, owed, 'black', ls='dotted', lw=5, label='Principal')\n", "\n", "mv = expon.pdf(x, 0, 5)*loan*5\n", "ax.plot(x, mv, 'black', lw=2, label='Market Value')\n", "\n", "plt.fill_between(x, owed, mv, where=x<8.5, facecolor='none', hatch='|', edgecolor='r')\n", "plt.fill_between(x, owed, mv, where=x>7, facecolor='none', hatch='|', edgecolor='b')\n", "\n", "plt.annotate(\n", " 'Principal > MV\\nLoss on Default', (2, 65000), \n", " xytext=(2, 10000), \n", " ha='center', va='center',\n", " arrowprops={'width': .25, 'headlength': 8, 'color': 'r'}\n", ")\n", "plt.annotate(\n", " 'Principal < MV\\nGain on Default', (9, 20000), \n", " xytext=(9, 60000), \n", " ha='center', va='center',\n", " arrowprops={'width': .25, 'headlength': 8, 'color': 'b'}\n", ")\n", "import matplotlib.ticker as ticker\n", "@ticker.FuncFormatter\n", "def major_formatter(x, pos):\n", " return f'${x:,.0f}'\n", "\n", "ax.yaxis.set_major_formatter(major_formatter)\n", "\n", "ax.set_ylabel('Vehicle Value')\n", "ax.set_xlabel('Years Since Purchase')\n", "\n", "ax.legend()\n", "plt.suptitle('Market Value Decay vs Principal Amortization')\n", "plt.show()" ] }, { "cell_type": "markdown", "id": "abroad-director", "metadata": {}, "source": [ "+ Beyond that, we all understand in the car market that not all assets depreciate at the same rate. Luxury cars are understood to hold their value better, for example." ] }, { "cell_type": "markdown", "id": "hidden-duplicate", "metadata": {}, "source": [ "\"Image" ] }, { "cell_type": "markdown", "id": "selective-alaska", "metadata": {}, "source": [ "+ Lease v Loan\n", " + leases and loans have different features that result in very different LGDs\n", " + Leasing has lower recovery costs \n", " + Leasing may be higher risk B/C you MUST take the asset back.\n", " + Results in storage costs, resale market risk\n", " + Can avoid with 0% residual at maturity.\n", " + Leasing has potential for >100% recovery.\n", " + Beta distribution typically used for LGD but for lease assets, [non-parametric estimates are likely more accurate](https://core.ac.uk/download/pdf/33335625.pdf). \n", "\n", "+ HTS Fico Processes for Evaluating LGD ongoing will include:\n", "\n", " + internal: value equipment based on expert opinions of Opco\n", " + external: value based on external sources like [auctions](https://www.bid-on-equipment.com/hvac-equipment), [brokers](https://www.lazcocorp.com/), or appraisers.\n", " + over time, collect internal data on historical outcomes and compare with expectations\n", " + external model: there are likely datasets and models available from 3rd parties" ] } ], "metadata": { "celltoolbar": "Edit Metadata", "kernelspec": { "display_name": "Python 3", "language": "python", "name": "python3" }, "language_info": { "codemirror_mode": { "name": "ipython", "version": 3 }, "file_extension": ".py", "mimetype": "text/x-python", "name": "python", "nbconvert_exporter": "python", "pygments_lexer": "ipython3", "version": "3.8.20" } }, "nbformat": 4, "nbformat_minor": 5 }