Delinquency, Default, and Loss Analysis 63
FIGURE 4.2 A standard set of delinquency curves organized by periods out.
FIGURE 4.3 Delinquency performance can be quickly
understood from a chart.
average rate. An OFFSET is used to make sure that no blank values are
picked up.
- Charts are often seen to represent this data as seen in Figure 4.3.
The delinquency data in Model Builder 4.1 is useful because it shows the amount
that is delinquent 1 to 30 days. This is usefulknowledge for later if a liquidity reserve
