1. Overview

The Portfolio at Risk (PAR) Report provides a comprehensive analysis of delinquent loan repayments. This report calculates PAR percentages across various aging buckets (e.g., 30, 60, 90, and 120+ days) to evaluate the overall quality of the loan portfolio.

2. Related Documents

For further information, please refer to the following related documents:

• OPS MaxMoney LMS and Accounting
• Accounting Report - Ops MaxMoney Debtors Age Analysis
• Loan Report - Ops MaxMoney Active Loan Outstanding Breakdown
• Loan Report - Ops MaxMoney Age Analysis (Instalment Based)
• Admin Report - Ops MaxMoney Loan Transaction Ageing report

3. Accessing the Report

To access the Portfolio at Risk Report:

1. Navigate to Reporting.
2. Select Administration.
3. Click on Portfolio at Risk Report.

4. Report Filters

Before generating the report, you may apply the following filters to refine the results:

• Hide Loan Details: Select this option to either print a summary or a detailed report.
• Branch: Specify a particular branch to isolate its loan data.
• Region: Select a specific region to view its loan portfolio.
• Loan Product: Filter the report by a specific loan product.
• File Format: Choose the desired output format for the report, either XLS or XLSX.
• Date End: Select the end date for the reporting period using the dd/mm/yyyy format.

5. Report Actions

The following actions are available:

• Finish: Click to generate the PAR report based on the selected filters.
• Cancel: Click to cancel the report generation and return to the previous page.

6. Output Options

The generated report can be utilized in the following ways:

• Spreadsheet: Export the report in a spreadsheet format (Excel or Open Office) for further analysis and customization.
• Email: Send the report directly to specified users. Ensure that email addresses are correctly configured in the system.

7. Report Columns

The report is organized into the following columns:

Loan Details:

• Loan No: The unique identification number assigned to each loan.
• Outstanding Loan Balance: The current remaining balance of the loan.
• Missed Instalments: The total number of missed payments for the loan.
• Percentage: The percentage of the outstanding loan balance that is past its due date.

Portfolio at Risk:

• PAR30: The percentage of loans that are 30 days past due.
• PAR60: The percentage of loans that are 60 days past due.
• PAR90: The percentage of loans that are 90 days past due.
• PAR120+: The percentage of loans that are 120 or more days past due.

Totals:

• Total Missed Instalments: The sum of all missed instalments across all loans.
• Total Outstanding Loan Balance: The total outstanding balance of all loans in the report.
• Total Current: The total amount of balances that are not yet due.
• Total Debtors Balance: The total balance owed by all debtors.
• Total Change: The total change in the debtors' balance over the reporting period.
• Total Non-Loan Debt: The total amount of debt not related to loans.
• Actual Debtors Balance: The actual current balance of all debtors.

Summary:

• Overall Portfolio at Risk: The overall percentage of the loan portfolio that is considered at risk.
• PAR Over 30 (%): The percentage of loans that are more than 30 days past due.
• PAR Over 60 (%): The percentage of loans that are more than 60 days past due.
• PAR Over 90 (%): The percentage of loans that are more than 90 days past due.

8. Additional Features

• Back to Filter Option: Allows the user to return to the previous screen to adjust the report filters.
• Email Report: Provides the functionality to email the generated report to pre-configured email addresses.