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% |