August showed early signs of stabilization, with loan volume moderating its decline to 3.95% while outstanding balances rebounded 2.74%, suggesting portfolio momentum is beginning to reassert itself. Delinquency metrics remained largely contained—Par 30 ticked up 0.32%, Par 60 rose 0.61%, and Par 90 edged down 0.07%—reflecting a broadly steady credit profile with the longest-dated bucket holding firm. The collection rate softened 5.93%, an area to keep close watch on as recovery workflows continue to adjust. Loan terms shortened 1.90%, and interest rates eased 0.50%, sustaining favorable borrowing conditions without materially impacting yields. Heading deeper into the second half, the combination of recovering balances and stable credit performance points to a constructive setup for renewed growth.
A full breakdown of the calculations for these metrics is available here.
| Indicator | August MoM |
|---|---|
| Volume | -3.95% |
| Outstanding Balance | 2.74% |
| Par 30 | 0.32% |
| Par 60 | 0.61% |
| Par 90 | -0.07% |
| Collection Rate | -5.93% |
| Term | -1.90% |
| Interest | -0.50% |