Cluster
Break down by
Trend window
Illustrative data — wire to live MIS feed before distribution
Portfolio Health — Classification Mix
01
Loan Portfolio — Classification & Volume
Quality split and account volume across the selected dimension. NPL = Substandard + Doubtful + Bad.
Classification by Quality
Exposure (Rs. Mn), stacked by classification
Total Number of Loans
Performing vs non-performing account count
02
Portfolio Movement by Classification
Adverse-class balances over the selected trend window. Watch the slope of Doubtful & Bad.
Adverse-Class Trend
Balance (Rs. Mn) — Watchlist, Substandard, Doubtful, Bad
Gross NPL Ratio
NPL as % of gross loans, with 5.0% tolerance band
03
Projected NPL — Next Quarter
Current vs forward-looking NPL by selected dimension, based on roll-rate & bucket migration.
Current vs Projected NPL
Rs. Mn — grouped bars; △ label shows projected change
04
Top 20 Customers by Maximum DPD
Largest single-obligor recovery exposures, ranked by days past due.
05
Branch Hotspots
Branches carrying the heaviest stressed-asset burden across four lenses.
Highest NPL
Rs. Mn · top 8 branches
Highest Watchlist
Rs. Mn exposure · top 8
Highest Accrued Interest Overdue
Rs. Mn AIR · top 8
Highest Due Principal
Rs. Mn overdue principal · top 8
06
Loan Products with Highest NPL
Product-level concentration of non-performing exposure.
NPL by Product
Rs. Mn (bar) and product NPL ratio (label)
Product Stress Table
Sorted by NPL amount
07
Non-Performing Accounts & Write-offs
Account-count migration and charge-off activity over the selected trend window.
Non-Performing Accounts (NPA)
Count of accounts in NPL — cluster contribution stacked
Loan Write-offs
Charge-off (Rs. Mn, bars) & cumulative (line)
08
Recovery Actions & Vintage
Cash required to regularise overdue retail customers, and today's NPL by disbursement year.
Required Amount to Down-class Overdue Customers
Cash to regularise individual / retail obligors out of each adverse class
Today's NPL by Year of Disbursement
Rs. Mn — vintage analysis (Nepali FY, BS)