May built on April's momentum, with loan volume climbing 1.94% and outstanding balances growing 2.77%, pointing to continued strength in origination activity and sustained borrower demand. Delinquency metrics moved modestly higher—Par 30 up 1.79%, Par 60 up 0.49%, and Par 90 up 0.66%—reflecting manageable shifts as portfolios expand. The collection rate dipped 1.63%, a notable improvement from April's pace and a sign that recovery efforts are finding firmer footing. Loan terms shortened slightly by 0.78%, while interest rates eased 0.29%, maintaining attractive conditions for borrowers without materially pressuring lender economics. As Q2 progresses, the portfolio remains well-positioned, with steady growth and stabilizing collection trends shaping a constructive outlook.
A full breakdown of the calculations for these metrics is available here.
| Indicator | March MoM |
|---|---|
| Volume | 1.94% |
| Outstanding Balance | 2.77% |
| Par 30 | 1.79% |
| Par 60 | 0.49% |
| Par 90 | 0.66% |
| Collection Rate | -1.63% |
| Term | -0.78% |
| Interest | -0.29% |