Radar for banks / Stress test
Choose what goes wrong. Watch the collateral margin change, then see how the bank gets repaid.
Read the loan story →Illustrative scenario. The borrower makes scheduled payments but does not cure the LTV breach.
Value against loan balance
The bank’s result
Bank recovers in full.
Adjust the scenario
Workout clock, in days
| Time allowed to cure | |
|---|---|
| Notice to default | |
| Repossession and ferry | |
| Market, digital file | |
| Market, paper file | |
| Diligence to funds |
Sale, below market
| Discount, digital file | % |
|---|---|
| Discount, paper file | % |
| Repo, legal, ferry | % |
Carry of 0.2% of value per month from default to sale. Balance accrues, unpaid, over the same window. This calculator checks LTV monthly. Radar’s monitored case acts at the first modeled crossing; the comparison waits for an annual covenant review.
Radar action / modeled response
From borrower request to repayment
Digital file, monitored180 days
Paper file, annual review360 days
The monitored balance amortizes until default, accrues unpaid interest during recovery, then shows zero exposure after settlement. An unrecovered balance at sale is reported as a shortfall. The annual-review comparison assumes installments continue until its later default date.
| Mo | Event | Value | Balance | LTV | Cushion |
|---|
A simplified scenario, not an appraisal or a credit offer. Daily monitoring gives the bank a current position and an action record; it does not guarantee a buyer, a sale price, or repayment. This model isolates value and recovery risk. For maintenance-program alerts and borrower responses, read the loan scenarios. Run a scenario on your aircraft →
