August reflected mixed lending dynamics, with loan volume contracting 1.91% while outstanding balances expanded by 3.14%, pointing to continued growth in overall exposure despite slower originations. Early-stage delinquency rose slightly, as Par 30 increased 0.20%, though later-stage metrics improved—Par 60 fell 0.10% and Par 90 declined 0.15%—suggesting some stabilization in repayment behavior. The collection rate weakened, down 4.00%, underscoring ongoing recovery headwinds. Loan terms lengthened modestly, up 0.82%, while interest rates climbed 1.05%, potentially supporting lender margins but raising borrowing costs. As the final stretch of Q3 approaches, lenders remain focused on balancing portfolio expansion with credit quality and repayment performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | August MoM |
|---|---|
| Volume | -1.91% |
| Outstanding Balance | 3.14% |
| Par 30 | 0.20% |
| Par 60 | -0.10% |
| Par 90 | -0.15% |
| Collection Rate | -4.00% |
| Term | 0.82% |
| Interest | 1.05% |