The article explores factors influencing the likelihood of banks recovering money from loans that are not repaid. By analyzing data from a Czech bank, the researchers found that the likelihood of recovering money is influenced by when the loan was issued, the value of collateral, the size of the loan, and how long the borrower has been a customer. Different models used in the analysis showed similar results, with more complex models suggesting that the relationship between these factors and loan recovery is not always straightforward.