PATOne Non-Performing Loans

Non-Performing Loans refer to loans for which the borrower is not making interest payments or repaying the principal. For banks or asset managers that trade NPLs, PATOne Non-Performing Loans (NPL) is a pre-trade decision support tool which estimates the price and time to recovery for each loan given a particular expected return and different scenario settings.

PATOne NPL was built in collaboration with some Real Estate market experts in Europe, using Microsoft Azure’s Machine Learning model. The ML algorithms have been trained on historical Real Estate property data, home price index and property values from judicial auctions.
The app is available as a web application or a web service.