Guys/ladies,
what are views on return expected based on current rates being charged to Estonian borrowers?
I did some math yesterday to try to calculate what would be the expected net return after writeoffs at these rates, and got 13.5-15% p.a. range. Calculation based on Estonian only 800+/900+ loans, all maturities, current market rates, my portfolio data – historical writeoffs & actual interest received in September & October, tested those two monthly periods.
Has anybody done similar calculations?
Kk

Hi kkkkk,

this is basically in line with my own expectations.

Hi,

same.