This report shows the breakdown of the loan portfolio by credit rating, for all loans and new loans. A further two tables can compare two business areas (product classes), groups of products or specific products. The breakdowns are shown in tables and pie charts. The report can be refined by region or branch and any month of history can be selected.
This report allows managers to monitor trends in the credit quality of customers in various areas of the business. Comparison of the credit rating distribution of all loans vs. new loans shows the direction of travel, as does comparison of current month with previous months. This helps to answer the question, are marketing activities storing up trouble for the future? Similarly, comparison between business lines, product groups or products, and between geographic areas, may predict where in the business future problems are most likely to occur so that remedial action can be taken.
You can select:-
A single branch, group of branches (e.g. region), or the whole institution
Current month or a month in history
Whether to compare two:-
• Business lines (product groups)
• Groups of products