February saw a rebound in loan activity, with volume increasing by 3.97% and outstanding balances rising by 1.58%, signaling renewed lending momentum. However, delinquency metrics showed some strain, as Par 30, Par 60, and Par 90 all ticked up, rising by 0.13%, 0.40%, and 0.12%, respectively, suggesting mild deterioration in borrower repayment behavior. The collection rate experienced a sharp decline of 6.29%, highlighting persistent challenges in payment recoveries. Loan terms continued to shorten, down 2.77%, while interest rates increased by 0.30%, potentially easing lender margins but adding affordability pressures for borrowers. As 2025 unfolds, maintaining growth while managing risk will remain a critical focus.
A full breakdown of the calculations for these metrics is available here.
| Indicator | February MoM |
|---|---|
| Volume | 3.97% |
| Outstanding Balance | 1.58% |
| Par 30 | 0.13% |
| Par 60 | 0.40% |
| Par 90 | 0.12% |
| Collection Rate | -6.29% |
| Term | -2.77% |
| Interest | 0.30% |