July lending activity remained largely steady, with loan volume slipping just 0.20% while outstanding balances rose 1.33%, reflecting measured portfolio growth. Delinquency metrics moved higher, as Par 30 increased by 1.11%, Par 60 by 0.35%, and Par 90 by 0.45%, signaling some renewed repayment strain. The collection rate, however, posted a solid improvement, climbing 4.78% and marking the strongest gain in recent months. Loan terms edged up 0.30%, while interest rates rose 0.80%, potentially boosting lender margins while adding modest cost pressure for borrowers. As the second half of 2025 progresses, sustaining collections momentum while managing credit risk will be a central focus.
A full breakdown of the calculations for these metrics is available here.
| Indicator | July MoM |
|---|---|
| Volume | -0.20% |
| Outstanding Balance | 1.33% |
| Par 30 | 1.11% |
| Par 60 | 0.35% |
| Par 90 | 0.45% |
| Collection Rate | 4.78% |
| Term | 0.30% |
| Interest | 0.80% |