[Jennifer]

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Thanks for clarification.

[Jennifer]

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Actually, my question is: for ‘bad’ loans, is it OK to take the total loan amount as loss?

In the project, the ‘bad’ loan is the one with 90+ DPD in the past 12 months. For ‘bad’ loans which don’t default, we can’t take the loan amount as the loss, correct? They just missed some payments. Even for default ones, the actual loss is the outstanding balance, not the loan amount.

[Jennifer]

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Yes! Thanks!

[Jennifer]

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A blog which explains usage of qcut and cut very well

[Jennifer]

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Very clear! Thx!