Basic - Overdue Loans
Overdue Loans – a report on overdue loans as of a specified date. The report contains information about overdue debt: amounts, dates when the delinquency occurred, and the number of days overdue.
The report generates a selection of overdue loans as of the specified date.
It operates in several modes:
Without considering off-balance sheet amounts;
Break down overdue principal by days;
For Callcenter;
Consider overdue on the payment date.
All report elements are interconnected. Below we will analyze the elements and fields of the "Overdue Loans" report as of a specified date. To generate the report, go to "Report" - "Basic" - "Overdue Loans", set the date, select the appropriate filter or mode if necessary, and click the "Generate" button. Then select from the list of generated reports and download it to your PC.
When generating the report, you can use filters that must be set before generating the report. The selection can be made by values from the contract, application, client profile, and operation. Report example:
The "No." field displays the sequential number in the report list.
The "No. by gr." field displays the sequential number in the report list.
The "Region" field displays the name of the region where the loan was opened. The data is pulled from the Branch directory, Region field.
The "Branch" field displays the name of the branch where the loan was opened. An organization may have several branches, accordingly, the report will include the branch where the loan was opened. A branch is a grouping of divisions by territorial attribute. This information is filled in when creating a Contract in the "Request" section. Let's consider an example: An organization has 3 loan issuance points in the city of Odintsovo. The city of Odintsovo will be the branch, and the 3 issuance points will be the divisions.
The "Division" field displays the name of the division where the loan was issued. An organization may have several divisions, accordingly, the report will include the division where the loan was opened. In the program, any issuance point is considered a division. This information is filled in when creating a Contract in the "Request" section.
The "Client" field displays the borrower's full name. This information is displayed in the "Contract" section.
The "Home" field displays personal information about the borrower – home phone number. This information is displayed in the client profile in the "Addresses and Details" section.
The "Work" field displays information about the work phone number. This information is displayed in the client profile in the "Employment Information" section.
The "Mobile" field displays personal information about the borrower – mobile phone number. This information is displayed in the client profile in the "Personal Data" section.
The "Contract" field specifies the unique sequential number of loan contracts. This information is displayed in the "Contract" section.
The "Loan Specialist" field pulls information about the loan specialist who created the contract. The data can be viewed in the "Contract" in the "Request" section - "Loan Specialist".
The "Issue Date" field displays the loan issue date. This information is displayed in the "Contract" section.
The "Last Repayment Date" field displays information about the date of the last payment. This date is taken from the planned schedule, which is formed when the loan is issued. This information is displayed in "Contract" - "Financial Information" - "Schedules".
The "Number of Payments" field specifies information about the number of installments, i.e., the loan term. This information is displayed in the "Contract" in the "Request" section.
The "Overdue Payments" field specifies the number of overdue payments on the loan. This information is displayed in the "Contract" section - "Financial Information" - "Overdue Tranches".
The "Total Debt Amount" field specifies the total debt amount. IMPORTANT: interest accrued on the report generation date is not considered debt.
The "Issued Amount" field displays information about the loan amount. This information is displayed in the "Contract" in the "Request" section.
The "Active Amount" field specifies the balance on the principal debt.
The "Principal Overdue" field specifies the overdue principal amount.
The "Interest Overdue" field specifies the overdue interest amount and the overdue amount on deferred interest.
The "Admin. Fees Overdue" field specifies the overdue amount for all types of fees and contributions.
The "Penalties Overdue" field specifies the overdue amount for all types of penalties.
The "Discount Balance" field displays information about the discount amount on the contract. Discount is the sum of future (expected) monetary payments to the current moment in time. The data can be viewed in the "Contract" section - "Financial Information" - "Total".
The "Regulatory Reserve Balance on Principal" field displays information about the regulatory reserve amount on principal. Regulatory reserve is the amount of the reserve fund created by the organization to cover its possible losses on principal. The data can be viewed in the "Contract" section - "Financial Information" - "Total".
The "Regulatory Reserve Balance on Interest" field displays information about the regulatory reserve amount on interest. The data can be viewed in the "Contract" section - "Financial Information" - "Total".
The "IFRS Reserve Balance" field displays information about the IFRS reserve amount on the loan. IFRS reserve is the reserve amount that corresponds to the International Financial Reporting Standards calculation. The data can be viewed in the "Contract" section - "Financial Information" - "Total".
The "Days Overdue (actual)" field specifies the actual number of days overdue on the loan. Here's an example: A client has 4 months of overdue, the client made a payment that was enough to cover the debt for the first 2 months. In fact, the client's overdue became only 2 months, but by status it remained 4 months. This is the difference between actual overdue and overdue by status.
The "Overdue Status Date" field specifies the date when the loan became overdue. This information is displayed in the "Contract" section - "Financial Information" - "Status History".
The "Days Overdue (by status)" field specifies the number of days overdue by the status of when the loan became overdue. The overdue date by status can be viewed in "Contract" - "Financial Information" - "Status History".
The "Group" field displays information about the name of the client group for a group loan. This value is filled in when creating a group agreement.
The "Group Agreement" field displays information about the name of the group agreement.
The "1-30" field displays the overdue principal amount broken down by the number of days overdue from 1 to 30 days.
The "31-60" field displays the overdue principal amount broken down by the number of days overdue from 31 to 60 days.
The "61-90" field displays the overdue principal amount broken down by the number of days overdue from 61 to 90 days.
The "91-120" field displays the overdue principal amount broken down by the number of days overdue from 91 to 120 days.
The "121-180" field displays the overdue principal amount broken down by the number of days overdue from 120 to 180 days.
The "181-270" field displays the overdue principal amount broken down by the number of days overdue from 181 to 270 days.
The "271-360" field displays the overdue principal amount broken down by the number of days overdue from 271 to 360 days.
The ">360" field displays the overdue principal amount broken down by the number of days overdue more than 360 days.