June marked a slight cooling in lending activity, with loan volume dipping 2.93%, following May’s strong rebound. Outstanding balances continued to rise moderately, up 0.43%, pointing to steady portfolio expansion. Delinquency rates held mostly flat—Par 30 remained unchanged, while Par 60 and Par 90 saw marginal increases of 0.01% and 0.06%, respectively—indicating stable borrower performance. The collection rate slipped by 2.26%, reversing recent gains and underscoring ongoing recovery challenges. Loan terms shortened further, down 3.09%, while interest rates edged up by 0.39%, slightly improving margins for lenders. As we enter the second half of the year, maintaining credit quality while adapting to market shifts remains a key priority.
A full breakdown of the calculations for these metrics is available here.
| Indicator | June MoM |
|---|---|
| Volume | -2.93% |
| Outstanding Balance | 0.43% |
| Par 30 | 0.00% |
| Par 60 | 0.01% |
| Par 90 | 0.06% |
| Collection Rate | -2.26% |
| Term | -3.09% |
| Interest | 0.39% |