The June analysis of the portfolio indicates several noteworthy trends. There's substantial growth in loan volume and a moderate increase in outstanding balances. However, the increase in early-stage delinquencies (Par 30 and Par 60) is a concern, even though Par 90 improved slightly. The decrease in the collection rate and the significant increase in loan terms may have implications for risk management and profitability. Lenders should closely monitor delinquency trends and assess the impact of changing loan terms and interest rates on the portfolio's performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | June MoM |
|---|---|
| Volume | 7.69% |
| Outstanding Balance | 1.35% |
| Par 30 | 1.36% |
| Par 60 | 0.73% |
| Par 90 | -0.26% |
| Collection Rate | -0.28% |
| Term | 3.98% |
| Interest | -0.29% |