Analytical - Risk Classes

The report consists of three sheets with data on overdue changes for the entire portfolio at the beginning of each month:

• Sheet «1» - overdue status has not changed
• Sheet «2» - movement towards deterioration
• Sheet «3» - movement towards improvement

Overdue stages:

• 0 - No overdue
• 1 - From 0 to 30 days
• 2 - From 31 to 60
• 3 - From 61 to 90
• 4 - From 91 to 120
• 5 - From 121 to 150
• 6 - From 150 to 180
• 7 - From 181 and more

The overdue debt analysis shows total amounts by branches and divisions, breaking them down into periods from the day the overdue occurred. You can also see statistics on the growth or decrease of overdue loans by branches. Based on this data, the report displays the overdue ratio less than/greater than 30 days in relation to the loan portfolio, the share of branch risk to total risk. And provides an overall rating assessment for each branch and division.