The Loan Transaction Age Analysis Report provides a snapshot of all Active and Non-performing loans that had an outstanding balance on a specific date. The report categorizes the outstanding balance of each loan into ageing brackets (e.g., Current, 30 days, 60 days overdue) to help you assess the overall health and risk of the loan portfolio.

The key feature of this report is that it ages the entire outstanding loan balance based on the due date of the oldest outstanding instalment. This method is similar to a Portfolio at Risk (PAR) calculation and is crucial for understanding the extent of delinquency in your debtors' book.

Prerequisites for Access

• To view this report, a system administrator must enable the "Loan Transaction Ageing Report" resource for your user role. This can be done by navigating to Setups > Security > Roles.

Accessing the Report

• Navigate to the report within MAXMONEY by following this path:
• Click on Reporting.
• Select Administration.
• Choose Loan Transaction Ageing Report.

Using Report Filters

• This report uses a single, critical filter to generate the data:
• Transaction End Date: Select the date for which you want to view the ageing analysis. The report will calculate all loan balances and their respective ageing statuses as of this date.

Understanding the Report Columns

• The generated report is divided into client details and the loan's ageing information.

A. Client Information

• Client No.: The unique identification number for the client.
• Surname: The client's last name.
• First Name: The client's first name.

B. Loan & Ageing Information

• Loan No.: The unique identification number for the loan.
• Loan Status: The status of the loan at the time the report is generated (e.g., Active, Non-performing).
• Total: The total outstanding balance of the loan as of the selected Transaction End Date.
• Current: If the loan is up-to-date with no missed payments, its total outstanding balance will appear in this column.
• 30 days: If the loan's oldest missed payment is 1-30 days overdue, its entire outstanding balance will appear in this column.
• 60 days: If the loan's oldest missed payment is 31-60 days overdue, its entire outstanding balance will appear in this column.
• 90 days: If the loan's oldest missed payment is 61-90 days overdue, its entire outstanding balance will appear in this column.
• 120+ days: If the loan's oldest missed payment is more than 90 days overdue, its entire outstanding balance will appear in this column.