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% |