The Loan Tree Slicer allows the user to drill down into the loan portfolio using three chosen factors, for example past due / region / product, or new loan / large loan / branch. The slicer allows comparison between any two months in history. Increase and decreases are shown, in absolute and percentage terms, and indicated as either positive (green) or negative (red) in impact.
The Loan Tree Slicer allows managers to screen out the “noise” of minor increases/decreases and identify the main causative factors in a trend. For example, are increases in NPL value related mainly to the number of loans past due or their size? Alternatively, is a trend general to all products or all branches. The Loan Tree Slicer is also one of the few reports that allows analysis by sector, industry and loan methodology, if these factors are captured.
You can select:-
Which two months to compare
Whether to view values as counts (e.g. numbers of loans) or sum (total amounts)
Three levels of analysis. At each level, you can choose one of the following factors:-