A – ANALYTICAL DATABASE – it consists of analyses necessary to discuss individual IAI Simple Issues;
Below I present my preliminary proposals for what may be included in the Analytical Database concerning CI-1.
ANALYTICAL DATABASE
| Zloty loan – determining the risks for the parties to such an agreement, together with potential benefits. | |
| Dual-currency agreements [valorized, indexed, denominated] – determining the types of risk for the parties to the agreement, including those not necessarily visible, and possible benefits. | |
| Classical foreign-currency loan – determining the risks for the parties to such an agreement, together with potential benefits. | |
| Dual-currency loan agreement – analysis of the most important provisions and its structure: valorization/indexation, denomination, loan currency, currency trading within the loan, objective exchange rate, hidden fees – reversal of exchange rates (currency options), creditworthiness, structure of provisions in the agreement. | BA-05 |
| Advertising materials and annexes to the loan agreement – ANALYSIS. | |
| Oral information from credit advisers – ANALYSIS. | |
| The bank’s profit on currency options – ANALYSIS. | |
| Calculation of loan disbursement and one-off repayment under the so-called valorization from a dual-currency agreement. | BA-09 |
| Calculation of loan disbursement and one-off repayment under true valorization. | BA-10 |
| Simulation of dual-currency loan repayment presented by banks. | BA-11 |
| Reliable/correct simulation of dual-currency loan repayment based on archival data from the previous 30 years. | BA-12 |
| Realistic calculation of dual-currency loan repayment based on current data (2007–2022). | |
| Simulation of zloty loan repayment. | BA-13 |
| Simulation of repayment of a classical foreign-currency loan, e.g. CHF. | |
| Decision-making process concerning single-currency and dual-currency loan agreements – ANALYSIS. | BA-15 |
| Analysis of simulated currency trading, that is, loan disbursement and repayment with currency conversion at two exchange rates — buying and selling — only in reverse order compared with commercial trading. | BA-16 |
| Calculation of profit on the currency spread at disbursement and repayment. | BA-17 |
| Comparison of the costs of a dual-currency loan, assuming an unchanged exchange rate for 30 years, and a zloty loan — resulting only from different interest rates. | BA-22 |
| Comparison of the costs of a dual-currency loan and a zloty loan based on correct calculations. | BA-24 |
| … |