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In September 2024, Cascade clients experienced a slight decline in loan volume, while outstanding balances saw a stronger increase. Delinquency metrics worsened, with Par 30, Par 60, and Par 90 rates all rising, indicating increased repayment difficulties. The collection rate also dropped significantly, highlighting continued challenges in recovering overdue payments. On the positive side, loan terms shortened notably, and interest rates saw a considerable rise. Overall, while there are some positive shifts in loan terms and interest, growing delinquency and collection issues require close monitoring and proactive risk management.
A full breakdown of the calculations for these metrics is available here.
| Indicator | September MoM |
|---|---|
| Volume | -2.70% |
| Outstanding Balance | 2.48% |
| Par 30 | 2.11% |
| Par 60 | 0.86% |
| Par 90 | 0.75% |
| Collection Rate | -6.52% |
| Term | -4.50% |
| Interest | 2.33% |
In August 2024, Cascade clients observed a further decline in loan volume, while outstanding balances continued to see a modest increase. Delinquency metrics presented a mixed picture: Par 30 and Par 60 rates rose, indicating growing repayment challenges, while Par 90 showed a slight improvement. The collection rate dropped, highlighting ongoing difficulties in recovering overdue payments. Loan terms shortened somewhat, and interest rates remained relatively stable with a minor increase. Overall, the data indicates increasing pressures on loan performance and collections, emphasizing the need for focused risk management strategies.
A full breakdown of the calculations for these metrics is available here.
| Indicator | August MoM |
|---|---|
| Volume | -8.93% |
| Outstanding Balance | 1.14% |
| Par 30 | 1.24% |
| Par 60 | 0.68% |
| Par 90 | -0.16% |
| Collection Rate | -9.16% |
| Term | -1.21% |
| Interest | 0.08% |
In July 2024, Cascade clients experienced a further decline in loan volume, while outstanding balances continued to grow slightly. Delinquency metrics showed increased pressure, with Par 30, Par 60, and Par 90 rates all rising, indicating more challenges in repayment. The collection rate also dropped again, highlighting ongoing issues with recovering overdue payments. Loan terms lengthened considerably, and interest rates saw a moderate increase. Overall, the data suggests growing concerns in loan performance and collection, requiring close attention and proactive measures to manage these risks.
A full breakdown of the calculations for these metrics is available here.
| Indicator | July MoM |
|---|---|
| Volume | -6.76% |
| Outstanding Balance | 0.75% |
| Par 30 | 1.25% |
| Par 60 | 0.22% |
| Par 90 | 0.31% |
| Collection Rate | -3.63% |
| Term | 2.91% |
| Interest | 0.67% |
In June 2024, Cascade clients experienced a notable decline in loan volume, while outstanding balances saw a modest increase. Delinquency metrics worsened across the board, with rises in Par 30, Par 60, and Par 90 rates, indicating increased repayment challenges. The collection rate continued to decline significantly, suggesting ongoing difficulties in recovering overdue payments. Loan terms remained relatively stable with a slight decrease, and interest rates saw a marginal increase. Overall, the data points to emerging risks in loan performance and collection effectiveness, underscoring the need for careful monitoring and strategic adjustments.
A full breakdown of the calculations for these metrics is available here.
| Indicator | June MoM |
|---|---|
| Volume | -12.39% |
| Outstanding Balance | 1.89% |
| Par 30 | 0.35% |
| Par 60 | 0.63% |
| Par 90 | 0.32% |
| Collection Rate | -5.52% |
| Term | -0.03% |
| Interest | 0.01% |
In May 2024, Cascade clients saw a moderate increase in loan volume and a slight decline in outstanding balances. Delinquency metrics improved overall, with decreases in Par 30, Par 60, and Par 90 rates, indicating better repayment behavior. However, the collection rate dropped significantly, highlighting ongoing challenges in recovering overdue payments and necessitating stronger collection strategies. Loan terms continued to lengthen slightly, and interest rates saw a minor increase. Overall, while there are positive trends in loan volume and delinquency metrics, addressing the declining collection rate and managing the implications of longer loan terms remain crucial.
A full breakdown of the calculations for these metrics is available here.
| Indicator | May MoM |
|---|---|
| Volume | 5.16% |
| Outstanding Balance | -0.38% |
| Par 30 | -0.96% |
| Par 60 | -0.13% |
| Par 90 | -0.03% |
| Collection Rate | -5.74% |
| Term | 1.75% |
| Interest | 0.59% |
In April 2024, Cascade clients observed a modest increase in loan volume, while outstanding balances saw a slight decline. Delinquency metrics were mixed, with Par 30 and Par 90 improving but Par 60 worsening. The collection rate experienced a significant drop, indicating challenges in recovering overdue payments and the need for enhanced collection strategies. Loan terms continued to lengthen slightly, and interest rates saw a minor increase. Overall, while there are positive aspects in loan volume and some delinquency metrics, proactive measures are necessary to address the declining collection rate and manage the implications of longer loan terms.
A full breakdown of the calculations for these metrics is available here.
| Indicator | April MoM |
|---|---|
| Volume | 4.01% |
| Outstanding Balance | -1.40% |
| Par 30 | -0.69% |
| Par 60 | 1.04% |
| Par 90 | -0.09% |
| Collection Rate | -7.94% |
| Term | 1.62% |
| Interest | 0.53% |
In March 2024, Cascade clients saw significant growth in loan volume and a moderate rise in outstanding balances, indicating steady loan growth. Delinquency metrics (Par 30, Par 60, and Par 90) improved, suggesting better repayment behavior. However, the collection rate significantly decreased, highlighting challenges in recovering overdue payments and necessitating enhanced collection strategies. The increase in loan terms could also lead to greater long-term risk exposure for lenders. Additionally, a slight decrease in interest rates benefits borrowers but may slightly impact lender profitability. Overall, while the portfolio shows strong growth and improved loan performance, proactive measures are needed to address declining collection rates and longer loan terms.
A full breakdown of the calculations for these metrics is available here.
| Indicator | March MoM |
|---|---|
| Volume | 8.89% |
| Outstanding Balance | 1.24% |
| Par 30 | -0.41% |
| Par 60 | -0.41% |
| Par 90 | -0.31% |
| Collection Rate | -5.00% |
| Term | 4.09% |
| Interest | -0.26% |
In February, the data across Cascade clients indicates positive trends in terms of loan volume, delinquency metrics, and interest rates. However, challenges remain in the collection rate, and the significant increase in loan term warrants careful monitoring for its potential impact on portfolio risk. Continued vigilance and proactive risk management measures are essential to maintain the health and stability of the loan portfolio.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Feb MoM |
|---|---|
| Volume | 8.14% |
| Outstanding Balance | 5.30% |
| Par 30 | -0.48% |
| Par 60 | -0.41% |
| Par 90 | -0.22% |
| Collection Rate | -4.81% |
| Term | 4.68% |
| Interest | -0.55% |
The data for January reveals mixed trends. While there's substantial growth in loan volume and outstanding balances, improvements in delinquency metrics, and a decrease in loan terms, challenges persist in the collection rate. Additionally, the increase in interest rates warrants careful monitoring for its potential impact on borrower behavior and portfolio performance. Overall, proactive risk management measures are essential to maintain the health and stability of the loan portfolio.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Jan MoM |
|---|---|
| Volume | 5.11% |
| Outstanding Balance | 5.44% |
| Par 30 | 0.04% |
| Par 60 | -0.33% |
| Par 90 | -0.17% |
| Collection Rate | -5.52% |
| Term | -0.32% |
| Interest | 0.76% |
The data for December shows a generally positive trend with increases in loan volume and outstanding balances, along with improvements in delinquency metrics. However, challenges in the collection rate persist with the holidays and hopefully there is an increase in January. For the first time in months, interest rates have started to increase which also led to increases in loan terms which should be carefully monitored for their potential impact on the risk profile.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Dec MoM |
|---|---|
| Volume | 2.39% |
| Outstanding Balance | 3.59% |
| Par 30 | -0.41% |
| Par 60 | -0.18% |
| Par 90 | -0.15% |
| Collection Rate | -5.35% |
| Term | 0.12% |
| Interest | 0.16% |
The data for November indicates a mixed picture. While there are positive aspects such as increased outstanding balances and a decrease in loans that are 90 days past due, there are also concerning signs such as a negative collection rate and increases in Par 30 and Par 60. Lenders should closely monitor these trends and assess their impact on the overall health and risk profile of their loan portfolios. Additionally, understanding the reasons behind the changes in collection rates and loan terms is essential for making informed decisions to help turn collection rates around and prevent increase in defaults in the coming months.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Nov MoM |
|---|---|
| Volume | -0.38% |
| Outstanding Balance | 7.29% |
| Par 30 | 0.42% |
| Par 60 | 0.22% |
| Par 90 | -0.10% |
| Collection Rate | -13.42% |
| Term | 6.33% |
| Interest | -0.94% |
The analysis for October shows several positive trends. There's substantial growth in lending volume and outstanding balances, indicating continued loan servicing and portfolio expansion. The significant reductions in early-stage delinquencies (Par 30 and Par 60) and more severe delinquencies (Par 90) are particularly encouraging. The improvement in the collection rate and the decrease in loan terms may also have positive implications for risk management and profitability. Interest rates continue to decrease even though cost of funding in general has been increasing, the lower interest rates can be attractive to borrowers but may impact the profitability of the lending institution.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Oct MoM |
|---|---|
| Volume | 13.30% |
| Outstanding Balance | 8.85% |
| Par 30 | -2.37% |
| Par 60 | -1.97% |
| Par 90 | -1.75% |
| Collection Rate | 1.43% |
| Term | -11.89% |
| Interest | -1.00% |
The analysis indicates substantial growth in lending volume and an increase in outstanding balances. While there's a small improvement in early-stage delinquencies (Par 30), there's also a noticeable increase in delinquencies at the 60-day and 90-day marks (Par 60 and Par 90), which require attention. It appears Lenders are putting more emphasis on early stage delinquencies collections. The increase in the collection rate is a positive development that also follows the trends above. While interest rates continue to trend downwards despite the increases in public markets. Lenders should closely monitor delinquency trends, manage more severe delinquencies, and assess the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Sept MoM |
|---|---|
| Volume | 23.80% |
| Outstanding Balance | 6.32% |
| Par 30 | -0.08% |
| Par 60 | 0.45% |
| Par 90 | 0.97% |
| Collection Rate | 3.81% |
| Term | 1.49% |
| Interest | -0.67% |
The analysis suggests that there has been growth in loan volume and outstanding balances. However, there are warning signs with increasing delinquency rates (Par 30, Par 60, Par 90) and a declining collection rate, indicating potential credit risk. The increase in loan term may also affect the portfolio's risk profile. Lenders should closely monitor delinquency trends and consider strategies to mitigate risk while maintaining profitability.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Aug MoM |
|---|---|
| Volume | 8.92% |
| Outstanding Balance | 1.87% |
| Par 30 | 0.66% |
| Par 60 | 1.00% |
| Par 90 | 0.73% |
| Collection Rate | -0.89% |
| Term | 2.30% |
| Interest | -1.30% |
The July analysis of the lending portfolio indicates a mixed picture. There's modest growth in volume and outstanding balances, but the increase in early-stage delinquencies (Par 30) and the decline in the collection rate are concerning. The decrease in Par 60 is a positive sign, but the slight increase in more severe delinquencies (Par 90) warrants attention. Lenders should closely monitor delinquency trends, focus on improving collections, and consider the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | July MoM |
|---|---|
| Volume | 0.88% |
| Outstanding Balance | 0.16% |
| Par 30 | 0.69% |
| Par 60 | -0.60% |
| Par 90 | 0.04% |
| Collection Rate | -9.72% |
| Term | 1.09% |
| Interest | -0.16% |
The June analysis of the portfolio indicates several noteworthy trends. There's substantial growth in loan volume and a moderate increase in outstanding balances. However, the increase in early-stage delinquencies (Par 30 and Par 60) is a concern, even though Par 90 improved slightly. The decrease in the collection rate and the significant increase in loan terms may have implications for risk management and profitability. Lenders should closely monitor delinquency trends and assess the impact of changing loan terms and interest rates on the portfolio's performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | June MoM |
|---|---|
| Volume | 7.69% |
| Outstanding Balance | 1.35% |
| Par 30 | 1.36% |
| Par 60 | 0.73% |
| Par 90 | -0.26% |
| Collection Rate | -0.28% |
| Term | 3.98% |
| Interest | -0.29% |
The analysis of the portfolio for May shows several noteworthy trends. There's substantial growth in loan volume and a moderate increase in outstanding balances. Importantly, there is a reduction in early-stage delinquencies (Par 30) and improvements in the collection rate, which are positive signs. However, the increase in loan terms and the significant decrease in interest rates may impact profitability and should be monitored carefully. Overall, the portfolio appears to be experiencing growth and improved credit quality in terms of delinquency.
A full breakdown of the calculations for these metrics is available here.
| Indicator | May MoM |
|---|---|
| Volume | 21.10% |
| Outstanding Balance | 3.75% |
| Par 30 | -0.40% |
| Par 60 | 0.19% |
| Par 90 | -0.18% |
| Collection Rate | 3.19% |
| Term | 6.07% |
| Interest | -3.94% |
The analysis of the portfolio for April shows some mixed trends. There is a significant decrease in loan volume, but the outstanding balance is growing, indicating ongoing loan servicing. The increase in early-stage delinquencies (Par 30) and the decrease in the collection rate are concerning and require attention. The changes in loan terms and interest rates may have implications for the portfolio's risk profile and profitability. Lenders should closely monitor delinquency trends and assess the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Apr MoM |
|---|---|
| Volume | -14.76% |
| Outstanding Balance | 1.91% |
| Par 30 | 0.88% |
| Par 60 | -0.28% |
| Par 90 | 0.10% |
| Collection Rate | -2.00% |
| Term | -3.20% |
| Interest | 0.95% |
The analysis of the portfolio for March shows several noteworthy trends. There's substantial growth in loan volume and a moderate increase in outstanding balances, indicating continued loan servicing. The increase in early-stage delinquencies (Par 30 and Par 60) and the significant rise in more severe delinquencies (Par 90) are concerning and require careful management. The improvement in the collection rate is a positive sign. The changes in loan terms and interest rates may have implications for the portfolio's risk profile and profitability. Lenders should closely monitor delinquency trends and assess the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Mar MoM |
|---|---|
| Volume | 18.59% |
| Outstanding Balance | 5.25% |
| Par 30 | 0.21% |
| Par 60 | 0.23% |
| Par 90 | 0.71% |
| Collection Rate | 6.88% |
| Term | -2.29% |
| Interest | 2.57% |
The analysis of the portfolio for February shows a mix of trends. There's moderate growth in loan volume and an increase in outstanding balances, indicating continued loan servicing. The increase in early-stage delinquencies (Par 30 and Par 60) is a concern, even though Par 90 improved. The significant decrease in the collection rate is a concerning trend that requires attention. The changes in loan terms and interest rates may have implications for the portfolio's risk profile and profitability. Lenders should closely monitor delinquency trends and assess the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Feb MoM |
|---|---|
| Volume | 4.75% |
| Outstanding Balance | 1.68% |
| Par 30 | 0.29% |
| Par 60 | 0.19% |
| Par 90 | -0.45% |
| Collection Rate | -4.23% |
| Term | -0.11% |
| Interest | 2.12% |
The analysis of the portfolio for January shows a mix of trends. There's growth in loan volume and outstanding balances, indicating continued loan servicing and portfolio expansion. However, the increase in early-stage delinquencies (Par 30 and Par 60) and the rise in more severe delinquencies (Par 90) are concerning and require careful management. The improvement in the collection rate is a positive sign. The changes in loan terms and interest rates may have implications for the portfolio's risk profile and profitability, and these should be monitored closely. Lenders should continue to closely track delinquency trends and assess the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Jan MoM |
|---|---|
| Volume | 4.97% |
| Outstanding Balance | 4.33% |
| Par 30 | 0.52% |
| Par 60 | 0.57% |
| Par 90 | 0.82% |
| Collection Rate | 1.22% |
| Term | -0.98% |
| Interest | 1.65% |
In September 2024, Cascade clients experienced a slight decline in loan volume, while outstanding balances saw a stronger increase. Delinquency metrics worsened, with Par 30, Par 60, and Par 90 rates all rising, indicating increased repayment difficulties. The collection rate also dropped significantly, highlighting continued challenges in recovering overdue payments. On the positive side, loan terms shortened notably, and interest rates saw a considerable rise. Overall, while there are some positive shifts in loan terms and interest, growing delinquency and collection issues require close monitoring and proactive risk management.
A full breakdown of the calculations for these metrics is available here.
| Indicator | September MoM |
|---|---|
| Volume | -2.70% |
| Outstanding Balance | 2.48% |
| Par 30 | 2.11% |
| Par 60 | 0.86% |
| Par 90 | 0.75% |
| Collection Rate | -6.52% |
| Term | -4.50% |
| Interest | 2.33% |
In August 2024, Cascade clients observed a further decline in loan volume, while outstanding balances continued to see a modest increase. Delinquency metrics presented a mixed picture: Par 30 and Par 60 rates rose, indicating growing repayment challenges, while Par 90 showed a slight improvement. The collection rate dropped, highlighting ongoing difficulties in recovering overdue payments. Loan terms shortened somewhat, and interest rates remained relatively stable with a minor increase. Overall, the data indicates increasing pressures on loan performance and collections, emphasizing the need for focused risk management strategies.
A full breakdown of the calculations for these metrics is available here.
| Indicator | August MoM |
|---|---|
| Volume | -8.93% |
| Outstanding Balance | 1.14% |
| Par 30 | 1.24% |
| Par 60 | 0.68% |
| Par 90 | -0.16% |
| Collection Rate | -9.16% |
| Term | -1.21% |
| Interest | 0.08% |
In July 2024, Cascade clients experienced a further decline in loan volume, while outstanding balances continued to grow slightly. Delinquency metrics showed increased pressure, with Par 30, Par 60, and Par 90 rates all rising, indicating more challenges in repayment. The collection rate also dropped again, highlighting ongoing issues with recovering overdue payments. Loan terms lengthened considerably, and interest rates saw a moderate increase. Overall, the data suggests growing concerns in loan performance and collection, requiring close attention and proactive measures to manage these risks.
A full breakdown of the calculations for these metrics is available here.
| Indicator | July MoM |
|---|---|
| Volume | -6.76% |
| Outstanding Balance | 0.75% |
| Par 30 | 1.25% |
| Par 60 | 0.22% |
| Par 90 | 0.31% |
| Collection Rate | -3.63% |
| Term | 2.91% |
| Interest | 0.67% |
In June 2024, Cascade clients experienced a notable decline in loan volume, while outstanding balances saw a modest increase. Delinquency metrics worsened across the board, with rises in Par 30, Par 60, and Par 90 rates, indicating increased repayment challenges. The collection rate continued to decline significantly, suggesting ongoing difficulties in recovering overdue payments. Loan terms remained relatively stable with a slight decrease, and interest rates saw a marginal increase. Overall, the data points to emerging risks in loan performance and collection effectiveness, underscoring the need for careful monitoring and strategic adjustments.
A full breakdown of the calculations for these metrics is available here.
| Indicator | June MoM |
|---|---|
| Volume | -12.39% |
| Outstanding Balance | 1.89% |
| Par 30 | 0.35% |
| Par 60 | 0.63% |
| Par 90 | 0.32% |
| Collection Rate | -5.52% |
| Term | -0.03% |
| Interest | 0.01% |
In May 2024, Cascade clients saw a moderate increase in loan volume and a slight decline in outstanding balances. Delinquency metrics improved overall, with decreases in Par 30, Par 60, and Par 90 rates, indicating better repayment behavior. However, the collection rate dropped significantly, highlighting ongoing challenges in recovering overdue payments and necessitating stronger collection strategies. Loan terms continued to lengthen slightly, and interest rates saw a minor increase. Overall, while there are positive trends in loan volume and delinquency metrics, addressing the declining collection rate and managing the implications of longer loan terms remain crucial.
A full breakdown of the calculations for these metrics is available here.
| Indicator | May MoM |
|---|---|
| Volume | 5.16% |
| Outstanding Balance | -0.38% |
| Par 30 | -0.96% |
| Par 60 | -0.13% |
| Par 90 | -0.03% |
| Collection Rate | -5.74% |
| Term | 1.75% |
| Interest | 0.59% |
In April 2024, Cascade clients observed a modest increase in loan volume, while outstanding balances saw a slight decline. Delinquency metrics were mixed, with Par 30 and Par 90 improving but Par 60 worsening. The collection rate experienced a significant drop, indicating challenges in recovering overdue payments and the need for enhanced collection strategies. Loan terms continued to lengthen slightly, and interest rates saw a minor increase. Overall, while there are positive aspects in loan volume and some delinquency metrics, proactive measures are necessary to address the declining collection rate and manage the implications of longer loan terms.
A full breakdown of the calculations for these metrics is available here.
| Indicator | April MoM |
|---|---|
| Volume | 4.01% |
| Outstanding Balance | -1.40% |
| Par 30 | -0.69% |
| Par 60 | 1.04% |
| Par 90 | -0.09% |
| Collection Rate | -7.94% |
| Term | 1.62% |
| Interest | 0.53% |
In March 2024, Cascade clients saw significant growth in loan volume and a moderate rise in outstanding balances, indicating steady loan growth. Delinquency metrics (Par 30, Par 60, and Par 90) improved, suggesting better repayment behavior. However, the collection rate significantly decreased, highlighting challenges in recovering overdue payments and necessitating enhanced collection strategies. The increase in loan terms could also lead to greater long-term risk exposure for lenders. Additionally, a slight decrease in interest rates benefits borrowers but may slightly impact lender profitability. Overall, while the portfolio shows strong growth and improved loan performance, proactive measures are needed to address declining collection rates and longer loan terms.
A full breakdown of the calculations for these metrics is available here.
| Indicator | March MoM |
|---|---|
| Volume | 8.89% |
| Outstanding Balance | 1.24% |
| Par 30 | -0.41% |
| Par 60 | -0.41% |
| Par 90 | -0.31% |
| Collection Rate | -5.00% |
| Term | 4.09% |
| Interest | -0.26% |
In February, the data across Cascade clients indicates positive trends in terms of loan volume, delinquency metrics, and interest rates. However, challenges remain in the collection rate, and the significant increase in loan term warrants careful monitoring for its potential impact on portfolio risk. Continued vigilance and proactive risk management measures are essential to maintain the health and stability of the loan portfolio.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Feb MoM |
|---|---|
| Volume | 8.14% |
| Outstanding Balance | 5.30% |
| Par 30 | -0.48% |
| Par 60 | -0.41% |
| Par 90 | -0.22% |
| Collection Rate | -4.81% |
| Term | 4.68% |
| Interest | -0.55% |
The data for January reveals mixed trends. While there's substantial growth in loan volume and outstanding balances, improvements in delinquency metrics, and a decrease in loan terms, challenges persist in the collection rate. Additionally, the increase in interest rates warrants careful monitoring for its potential impact on borrower behavior and portfolio performance. Overall, proactive risk management measures are essential to maintain the health and stability of the loan portfolio.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Jan MoM |
|---|---|
| Volume | 5.11% |
| Outstanding Balance | 5.44% |
| Par 30 | 0.04% |
| Par 60 | -0.33% |
| Par 90 | -0.17% |
| Collection Rate | -5.52% |
| Term | -0.32% |
| Interest | 0.76% |
The data for December shows a generally positive trend with increases in loan volume and outstanding balances, along with improvements in delinquency metrics. However, challenges in the collection rate persist with the holidays and hopefully there is an increase in January. For the first time in months, interest rates have started to increase which also led to increases in loan terms which should be carefully monitored for their potential impact on the risk profile.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Dec MoM |
|---|---|
| Volume | 2.39% |
| Outstanding Balance | 3.59% |
| Par 30 | -0.41% |
| Par 60 | -0.18% |
| Par 90 | -0.15% |
| Collection Rate | -5.35% |
| Term | 0.12% |
| Interest | 0.16% |
The data for November indicates a mixed picture. While there are positive aspects such as increased outstanding balances and a decrease in loans that are 90 days past due, there are also concerning signs such as a negative collection rate and increases in Par 30 and Par 60. Lenders should closely monitor these trends and assess their impact on the overall health and risk profile of their loan portfolios. Additionally, understanding the reasons behind the changes in collection rates and loan terms is essential for making informed decisions to help turn collection rates around and prevent increase in defaults in the coming months.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Nov MoM |
|---|---|
| Volume | -0.38% |
| Outstanding Balance | 7.29% |
| Par 30 | 0.42% |
| Par 60 | 0.22% |
| Par 90 | -0.10% |
| Collection Rate | -13.42% |
| Term | 6.33% |
| Interest | -0.94% |
The analysis for October shows several positive trends. There's substantial growth in lending volume and outstanding balances, indicating continued loan servicing and portfolio expansion. The significant reductions in early-stage delinquencies (Par 30 and Par 60) and more severe delinquencies (Par 90) are particularly encouraging. The improvement in the collection rate and the decrease in loan terms may also have positive implications for risk management and profitability. Interest rates continue to decrease even though cost of funding in general has been increasing, the lower interest rates can be attractive to borrowers but may impact the profitability of the lending institution.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Oct MoM |
|---|---|
| Volume | 13.30% |
| Outstanding Balance | 8.85% |
| Par 30 | -2.37% |
| Par 60 | -1.97% |
| Par 90 | -1.75% |
| Collection Rate | 1.43% |
| Term | -11.89% |
| Interest | -1.00% |
The analysis indicates substantial growth in lending volume and an increase in outstanding balances. While there's a small improvement in early-stage delinquencies (Par 30), there's also a noticeable increase in delinquencies at the 60-day and 90-day marks (Par 60 and Par 90), which require attention. It appears Lenders are putting more emphasis on early stage delinquencies collections. The increase in the collection rate is a positive development that also follows the trends above. While interest rates continue to trend downwards despite the increases in public markets. Lenders should closely monitor delinquency trends, manage more severe delinquencies, and assess the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Sept MoM |
|---|---|
| Volume | 23.80% |
| Outstanding Balance | 6.32% |
| Par 30 | -0.08% |
| Par 60 | 0.45% |
| Par 90 | 0.97% |
| Collection Rate | 3.81% |
| Term | 1.49% |
| Interest | -0.67% |
The analysis suggests that there has been growth in loan volume and outstanding balances. However, there are warning signs with increasing delinquency rates (Par 30, Par 60, Par 90) and a declining collection rate, indicating potential credit risk. The increase in loan term may also affect the portfolio's risk profile. Lenders should closely monitor delinquency trends and consider strategies to mitigate risk while maintaining profitability.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Aug MoM |
|---|---|
| Volume | 8.92% |
| Outstanding Balance | 1.87% |
| Par 30 | 0.66% |
| Par 60 | 1.00% |
| Par 90 | 0.73% |
| Collection Rate | -0.89% |
| Term | 2.30% |
| Interest | -1.30% |
The July analysis of the lending portfolio indicates a mixed picture. There's modest growth in volume and outstanding balances, but the increase in early-stage delinquencies (Par 30) and the decline in the collection rate are concerning. The decrease in Par 60 is a positive sign, but the slight increase in more severe delinquencies (Par 90) warrants attention. Lenders should closely monitor delinquency trends, focus on improving collections, and consider the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | July MoM |
|---|---|
| Volume | 0.88% |
| Outstanding Balance | 0.16% |
| Par 30 | 0.69% |
| Par 60 | -0.60% |
| Par 90 | 0.04% |
| Collection Rate | -9.72% |
| Term | 1.09% |
| Interest | -0.16% |
The June analysis of the portfolio indicates several noteworthy trends. There's substantial growth in loan volume and a moderate increase in outstanding balances. However, the increase in early-stage delinquencies (Par 30 and Par 60) is a concern, even though Par 90 improved slightly. The decrease in the collection rate and the significant increase in loan terms may have implications for risk management and profitability. Lenders should closely monitor delinquency trends and assess the impact of changing loan terms and interest rates on the portfolio's performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | June MoM |
|---|---|
| Volume | 7.69% |
| Outstanding Balance | 1.35% |
| Par 30 | 1.36% |
| Par 60 | 0.73% |
| Par 90 | -0.26% |
| Collection Rate | -0.28% |
| Term | 3.98% |
| Interest | -0.29% |
The analysis of the portfolio for May shows several noteworthy trends. There's substantial growth in loan volume and a moderate increase in outstanding balances. Importantly, there is a reduction in early-stage delinquencies (Par 30) and improvements in the collection rate, which are positive signs. However, the increase in loan terms and the significant decrease in interest rates may impact profitability and should be monitored carefully. Overall, the portfolio appears to be experiencing growth and improved credit quality in terms of delinquency.
A full breakdown of the calculations for these metrics is available here.
| Indicator | May MoM |
|---|---|
| Volume | 21.10% |
| Outstanding Balance | 3.75% |
| Par 30 | -0.40% |
| Par 60 | 0.19% |
| Par 90 | -0.18% |
| Collection Rate | 3.19% |
| Term | 6.07% |
| Interest | -3.94% |
The analysis of the portfolio for April shows some mixed trends. There is a significant decrease in loan volume, but the outstanding balance is growing, indicating ongoing loan servicing. The increase in early-stage delinquencies (Par 30) and the decrease in the collection rate are concerning and require attention. The changes in loan terms and interest rates may have implications for the portfolio's risk profile and profitability. Lenders should closely monitor delinquency trends and assess the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Apr MoM |
|---|---|
| Volume | -14.76% |
| Outstanding Balance | 1.91% |
| Par 30 | 0.88% |
| Par 60 | -0.28% |
| Par 90 | 0.10% |
| Collection Rate | -2.00% |
| Term | -3.20% |
| Interest | 0.95% |
The analysis of the portfolio for March shows several noteworthy trends. There's substantial growth in loan volume and a moderate increase in outstanding balances, indicating continued loan servicing. The increase in early-stage delinquencies (Par 30 and Par 60) and the significant rise in more severe delinquencies (Par 90) are concerning and require careful management. The improvement in the collection rate is a positive sign. The changes in loan terms and interest rates may have implications for the portfolio's risk profile and profitability. Lenders should closely monitor delinquency trends and assess the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Mar MoM |
|---|---|
| Volume | 18.59% |
| Outstanding Balance | 5.25% |
| Par 30 | 0.21% |
| Par 60 | 0.23% |
| Par 90 | 0.71% |
| Collection Rate | 6.88% |
| Term | -2.29% |
| Interest | 2.57% |
The analysis of the portfolio for February shows a mix of trends. There's moderate growth in loan volume and an increase in outstanding balances, indicating continued loan servicing. The increase in early-stage delinquencies (Par 30 and Par 60) is a concern, even though Par 90 improved. The significant decrease in the collection rate is a concerning trend that requires attention. The changes in loan terms and interest rates may have implications for the portfolio's risk profile and profitability. Lenders should closely monitor delinquency trends and assess the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Feb MoM |
|---|---|
| Volume | 4.75% |
| Outstanding Balance | 1.68% |
| Par 30 | 0.29% |
| Par 60 | 0.19% |
| Par 90 | -0.45% |
| Collection Rate | -4.23% |
| Term | -0.11% |
| Interest | 2.12% |
The analysis of the portfolio for January shows a mix of trends. There's growth in loan volume and outstanding balances, indicating continued loan servicing and portfolio expansion. However, the increase in early-stage delinquencies (Par 30 and Par 60) and the rise in more severe delinquencies (Par 90) are concerning and require careful management. The improvement in the collection rate is a positive sign. The changes in loan terms and interest rates may have implications for the portfolio's risk profile and profitability, and these should be monitored closely. Lenders should continue to closely track delinquency trends and assess the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Jan MoM |
|---|---|
| Volume | 4.97% |
| Outstanding Balance | 4.33% |
| Par 30 | 0.52% |
| Par 60 | 0.57% |
| Par 90 | 0.82% |
| Collection Rate | 1.22% |
| Term | -0.98% |
| Interest | 1.65% |
