Risk Management
This section shows the overall health of your loan portfolio. It helps you spot risks, track loan performance, and see where problems like arrears or high-risk loans may be coming from.
Last updated
This section shows the overall health of your loan portfolio. It helps you spot risks, track loan performance, and see where problems like arrears or high-risk loans may be coming from.
Last updated
1. Portfolio Summary
Total Loan Portfolio Value: The total value of all outstanding loans in your institution.
Total Number of Loans: The count of all disbursed loans.
Average Annual Loan Size: The average loan amount disbursed per year. Calculated as: Total Loan Portfolio Value ÷ Number of Loans
2. Geographic Concentration
Branches: Shows how the loan portfolio is distributed across different branches. Branch percentage can be calculated as: (Loan portfolio in a branch ÷ Total portfolio across all branches) × 100
3. Loan Product Distribution
Loan Products: Displays how the loan portfolio is divided among different loan types. Loan product distribution % = (Loan Product Portfolio ÷ Overall Portfolio) × 100
4. Risk Metrics
High-Risk Loans (Above 90 Days in Arrears): Number or value of loans that haven’t been paid for over 90 days — considered high risk.
Highest Geographic Risk: The branch with the highest number or value of overdue or problematic loans.
5. Delinquency & Arrears
Total Principal in Arrears: The total unpaid principal amount that is overdue.
Total Interest Arrears: The total unpaid interest amount that is overdue.
Average Arrears Days: The average number of days loans have been in arrears.
6. Overall Health
Portfolio at Risk Percentage (PAR%): Shows how much of your loan portfolio is at risk due to non-payment. Calculated as: (Principal + Interest in Arrears) ÷ Total Loan Portfolio × 100
