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Sample Report (Practical)

Sample Components of a portfolio loan reports

XYZ MICROFINANCE BANK
TITLE: Loan Portfolio Report
Financial Date: xx/xx/xxxx

 

S/N. Credit Officer Customer Name Gender Days OverDue Loan

Arrears

Disbursement Date Maturation Date Product Customer Account Bal. Loan Amount Total Outst.

Principal

Paid

Principal

Due

Interest

Status
2 Officer One Customer 34 Female 0 0.00 09-Mar-2020 09-Sep-2020 Product 1 55,870.00 1,230,500.00 1,230,500.00 0.00 0.00 Performing
1 Officer One Customer 39 Male 0 0.00 18-Mar-2020 17-Sep-2020 Product 1 147,890.00 2,505,000.00 2,505,000.00 0.00 0.00 Performing
7 Officer One Customer 33 Male 4 231,515.78 29-Jan-2020 03-Aug-2020 Product 2 -231,515.78 1,200,000.00 1,023,579.03 176,420.97 111,178.95 Pass And Watch
3 Officer One Customer 43 Male 0 0.00 06-Mar-2020 28-Feb-2021 Product 2 4,975.00 5,000,000.00 5,000,000.00 0.00 0.00 Performing
12 Officer One Customer 4 Female 305 56,937.84 07-Feb-2019 07-Jul-2019 Product 3 -56,937.84 120,000.00 52,228.91 67,771.09 22,437.84 Lost
15 Officer One Customer 20 Male 433 183,605.00 01-Nov-2018 30-Jan-2019 Product 3 -183,605.00 500,000.00 183,605.00 316,395.00 50,813.00 Lost
4 Officer One Customer 28 Male 2 195,811.13 05-Mar-2020 05-Sep-2020 Product 3 -195,811.13 1,000,000.00 1,000,000.00 0.00 50,000.00 Pass And Watch
10 Officer One Customer 8 Male 275 182,981.64 07-May-2019 07-Nov-2019 Product 4 -182,981.64 180,000.00 163,401.68 16,598.32 39,631.64 Lost
8 Officer One Customer 10 Male 0 0.00 24-Jan-2020 27-Jul-2020 Product 5 0.00 200,000.00 137,233.41 62,766.59 11,072.42 Performing
9 Officer One Customer 25 Male 0 0.00 30-Dec-2019 24-Sep-2020 Product 5 27.97 900,000.00 626,175.69 273,824.31 72,947.13 Performing
16 Officer Three Customer 35 Male 0 0.00 13-Mar-2020 13-Jan-2021 Product 2 1,963.39 1,400,000.00 1,400,000.00 0.00 0.00 Performing
24 Officer Three Customer 38 Male 0 0.00 16-Jan-2020 16-Apr-2020 Product 2 607,012.93 2,200,000.00 769,389.37 1,430,610.63 185,107.06 Performing
23 Officer Three Customer 41 Male 0 0.00 22-Jan-2020 22-Jul-2020 Product 2 307,252.65 3,000,000.00 2,095,842.55 904,157.45 277,947.38 Performing
26 Officer Three Customer 45 Male 26 591,036.49 12-Nov-2019 12-May-2020 Product 2 -591,036.49 5,000,000.00 2,418,998.54 2,581,001.46 772,031.04 Pass And Watch
21 Officer Three Customer 1 Male 1 1,494.19 06-Feb-2020 06-Aug-2020 Product 3 -1,504.19 100,000.00 87,060.00 12,940.00 11,139.82 Pass And Watch
28 Officer Three Customer 3 Female 89 30,528.10 06-Aug-2019 09-Feb-2020 Product 3 -30,533.10 100,000.00 30,528.10 69,471.90 22,017.57 Doubtful
30 Officer Three Customer 17 Male 199 325,257.97 25-Jul-2019 21-Dec-2019 Product 3 -325,277.97 400,000.00 281,869.18 118,130.82 88,070.32 Lost
20 Officer Three Customer 26 Female 0 0.00 07-Feb-2020 07-Aug-2020 Product 3 176,459.27 900,000.00 767,684.27 132,315.73 45,000.00 Performing
22 Officer Three Customer 32 Female 3 196,966.91 04-Feb-2020 04-Aug-2020 Product 3 -196,966.91 1,000,000.00 852,982.54 147,017.46 92,649.13 Pass And Watch
25 Officer Three Customer 7 Female 0 0.00 19-Nov-2019 25-May-2020 Product 5 250.03 150,000.00 52,983.27 97,016.73 13,741.76 Performing
44 Officer Two Customer 30 Male 185 834,169.74 06-Aug-2019 05-Feb-2020 Product 2 -834,169.74 1,000,000.00 779,644.77 220,355.23 182,104.81 Lost
31 Officer Two Customer 37 Male 3 368,946.71 04-Mar-2020 04-Sep-2020 Product 2 -368,946.71 2,000,000.00 2,000,000.00 0.00 100,000.00 Pass And Watch
39 Officer Two Customer 40 Male 34 625,943.81 04-Oct-2019 04-Aug-2020 Product 2 -625,953.81 3,000,000.00 1,919,491.17 1,080,508.83 708,732.78 Sub Standard
38 Officer Two Customer 42 Female 0 0.00 09-Oct-2019 08-Jun-2020 Product 2 202,764.37 4,000,000.00 1,685,383.48 2,314,616.52 779,819.78 Performing
40 Officer Two Customer 44 Male 4 730,495.89 03-Oct-2019 03-Apr-2020 Product 2 -730,495.89 5,000,000.00 730,495.89 4,269,504.11 910,524.04 Pass And Watch
33 Officer Two Customer 23 Female 0 0.00 11-Feb-2020 11-Aug-2020 Product 3 50,142.30 800,000.00 682,386.00 117,614.00 40,000.00 Performing
41 Officer Two Customer 31 Female 41 203,963.14 26-Sep-2019 26-Mar-2020 Product 3 -203,988.14 1,000,000.00 203,963.14 796,036.86 182,104.81 Sub Standard
43 Officer Two Customer 5 Male 20 27,365.12 18-Sep-2019 18-Mar-2020 Product 4 -27,365.12 150,000.00 26,883.14 123,116.86 16,137.75 Pass And Watch
36 Officer Two Customer 11 Female 0 0.00 17-Jan-2020 25-Jul-2020 Product 5 88.62 259,000.00 177,717.26 81,282.74 14,338.78 Performing
37 Officer Two Customer 16 Male 0 0.00 28-Feb-2020 29-Dec-2020 Product 5 206.98 400,000.00 214,752.55 185,247.45 7,620.72 Performing

 

Table 1.1

 Above is a sample report assumed to be generated from a banking application. With the above information, we can generate reports for respective officers of the bank as well as use it to make management decision. These reports should include but not limited to below listed with graphical illustration and Interpretations

 

  • Portfolio Breakdown
  • Weekly/Monthly Disbursement
  • Portfolio Position
  • Portfolio Growth
  • Portfolio Ageing
  • Portfolio at Risk (PAR)
  • Discussion and Closing Notes

  

Using table 1.1 lets generate some report the above

 Portfolio Position

OFFICERS PORTFOLIO
Officer One       11,921,723.72
Officer Two         8,420,717.40
Officer Three         8,757,337.82
TOTAL       29,099,778.94

   Portfolio Position (Graphical Representation)

 

 

 

Portfolio Growth

TERM VALUE NUMBER
PORTFOLIO (Previous)            21,094,778.94 21
PORTFOLIO (Present)            29,099,778.94 30

 Portfolio Growth (Graphical Representation)

  Portfolio increase of 27.5% from previous portfolio

 

 

 

 Portfolio Ageing
Total Performing Loans 17,345,047.85 14
Total Pass and Watch Loans 8,139,999.14 8
Total Substandard Loans 2,123,454.31 2
Total Doubtful Loans 30,528.10 1
Total Lost Loans 1,460,749.54 5
29,099,778.94 30

Portfolio Ageing (Graphical Representation)

 

 

 

 

 Portfolio at Risk (PAR)

OFFICERS PORTFOLIO PAR %
Officer One            11,921,723.72                      2,422,814.62 20.3
Officer Two              8,420,717.40                      5,660,478.11 67.2
Officer Three              8,757,337.82                      3,671,438.36 41.9
PAR            29,099,778.94                   11,754,731.09 40.4

 Portfolio at Risk (PAR) (Graphical Representation)

 

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