Name | Abbreviation | Definition |
|---|---|---|
Net earning assets | NEA | Principal part of loan remaining unpaid excluding written-off loans. Here, the write-off with respect to Provisioning policy is used (i.e. portfolio on 361 DPD ever). |
New volume | NV | Closed-end loans: Total amount of loans paid out in respective month. Cards: Total volume of drawings in respective month. |
Specific metrics related to Overdraft
Name | Abbreviation | Definition |
|---|---|---|
Freerider rate | Ratio of clients who take advantage of grace period benefits. Freerider = client who repaid the whole balance in respective month. As a base only the active accounts are taken. | |
Defer the repayment rate | Ratio of clients who paid fee to defer the repayment | |
Revolving rate | 1-freerider rate+defer repayment. Ratio of clients that didn't take advantage of grace (interest-free) period. | |
Utilization rate - active | Ratio of receivable amount from approved credit limits (applied only on active contracts). | |
Utilization rate - total | Ratio of receivable amount from approved credit limits (applied on all contracts). |