Baseline - Loan Professionals Ratios

The report, developed according to the CGAP standard, is generated for a period, can be filtered by the "Loan Officer" field values and divided into subperiods: week, month, quarter, year.

The currency exchange rate for foreign currency calculation is taken as of the report's end date or the subperiod's end date.

Loan portfolio - all loans without exception.

Working portfolio = Total outstanding amount on active loans minus overdue amount (by tranche) with arrears exceeding a certain number of days (determined according to the credit policy - when transferred to non-accrual status) minus outstanding amount of active restructured loans.

Delinquency ratio in % = (Overdue principal amount of delinquent loans/Gross loan portfolio as of this date) *100 %.