EDITOR October Release
We’ve released a new version of EDITOR which includes important changes to prepare our systems and your company for the next phase of the Securitisation Regulation. So what’s new? Take a look below. 1. STS & ECB REPORTING MADE EASY 2. TAKE CONTROL OF PRIVACY 3. ON-DEMAND ACCESS TO DEALS 4. RMB & AUT XML […]
EDWIN Functionality and Usage to Transition to EDITOR
On October 15th, the ability to upload ECB loan-level data and documentation will transition from the EDWIN website to EDITOR (https://editor.eurodw.eu/). Data Owners/Data Providers will no longer be able to use the EDWIN website to upload data after the transition. Please see below for essential information regarding the transition: Date of Transition: 15.10.2019 Services Impacted: […]
We’re Ready
WE’RE PREPARED, SO YOU CAN BE TOO. Starting today, to make it easier for you to comply with the regulations, we have given you access to our new ESMA reporting solution in EDitor. With the level 2 guidelines on reporting almost close to being finalised, we want to reinforce our commitment to serve you and […]
Going Beyond Taxonomies and Templates
Data Quality Management – The How In the first part of our Data Quality Management Series – DQM: The Why, we commented that our DQM framework has not been built because of, but despite the rigid data templates we have in place which already sets specific filters on incoming data. But how do we go beyond taxonomies and templates […]
Why are we, at ED, obsessed with Data Quality?
We collect and store loan-level data as per pre-defined data templates. Each data field has a clear explanation of what the field is supposed to contain, its format, whether it is mandatory or optional. Our repository solution is already capable of rejecting data files that do not adhere to these strong template definitions. If that […]
Everything You Need to Know About the Securitisation Regulation (STS)
In late 2017, a new securitisation regulation was published in the Official Journal of the European Union. It outlined the EU’s efforts to establish a capital markets union, by creating a single market for investment services and activities. New reporting templates were introduced as part of the new regulation. While the new templates are based […]
Auto loans: Electric cars vs. Conventional cars
Are electric cars the future? Are they a (relatively) safe bet for investors in European Auto ABS? By analysing more than 22 million auto loans stored in our unique database and originated between 2011 and 2017, we were able to compare loans for electric and conventional cars that went into arrears at least once since […]
Auto loans: did you know how income impacts loans across Europe?
By analysing more than 4.7 Mio Auto loans stored in our unique database and securitised between 2008 and 2017, we are able to observe the Original Loan to Value (OLTV) behaviour based on the borrower’s salary band.
“I need a loan”: Insights on how people use loans and credit
In today’s world, most people have to borrow money and take out loans at some point in their lives. It may be a mortgage for a house, a car loan or a student loan. There are all kinds of reasons why people take out loans, but occasionally borrowing money becomes a problem and people struggle […]
Insights on the Original Loan to Value (OLTV) in France
By analysing more than 2.6 mm RMBS loans originated in France and securitised between 2013 and 2016, we are able to identify the relationship between the OLTV distribution and the départements in the French housing market. Facts: