I made the data generic to allow for a build of any kind. However, If we take the current day to match the payment period with payments being made or replaced you can assume paymentperiod1 = 2018, paymentperiod2 = 2019, paymentperiod3 = 2020. Now, the vintages can be thought of as the current year, while the payment period can be thought of as payments required in future and hence, the build of this table. 2017 2018 2019 2020
2017 (+90) -30 -30 -30
2018 N/A (+30) -10 -10
2019 N/A N/A (+40) -13.3
2020 NA NA Na (+53.3)
So if the vintage is 2018 (imagine, as it is now 2018) you look forward and you had to replace the payment of -30 last year, then you are expected to pay -10 next year and -10 the following year again imagine it's 2018, you put NA for 2017 BC its in the past and nonsensical. hope you can help me on my quest.
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