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% |