The analysis of the portfolio for May shows several noteworthy trends. There's substantial growth in loan volume and a moderate increase in outstanding balances. Importantly, there is a reduction in early-stage delinquencies (Par 30) and improvements in the collection rate, which are positive signs. However, the increase in loan terms and the significant decrease in interest rates may impact profitability and should be monitored carefully. Overall, the portfolio appears to be experiencing growth and improved credit quality in terms of delinquency.
A full breakdown of the calculations for these metrics is available here.
| Indicator | May MoM |
|---|---|
| Volume | 21.10% |
| Outstanding Balance | 3.75% |
| Par 30 | -0.40% |
| Par 60 | 0.19% |
| Par 90 | -0.18% |
| Collection Rate | 3.19% |
| Term | 6.07% |
| Interest | -3.94% |