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% |