9.2 Credit Portfolio - Variance

This section describes the parameters of the Credit Portfolio - Variance Analysis.

Table 9-3 Credit Portfolio - Variance Analysis Parameters

Parameters	Description
Analysis Name	Credit Portfolio – Variance
Report Level Filters	Tabular Report: All the measures covered by this analysis. Graphical Reports: All the dimensions and measures covered by this analysis and the reference period for measuring the variance.
Analysis Description	This analysis presents how a selected measure, on a selected date varies from the Last Reporting Date, beginning of the financial year, and the previous year on the same day. Along with the actual values of the selected measure, the report also displays the Year on Year (YoY), Year to Date (YTD), and Last Reporting to Date (RTD) variance in actuals and percentage. The measures covered by this analysis are; Gross Credit Exposure (GCE), EOP Balance – Fund Based (EOP-FB), EOP Balance – Non-Fund Based (EOP-NFB), EOP Balance Total (EOP-Total), Undrawn Balance, Non-Performing Assets (NPA) and Allowance for Loan and Lease Losses (ALLL).
Reports Covered	This analysis is presented through a combination of a tabular and a graphical report, including the following: Credit Portfolio – Variance: A multidimensional tabular report displaying the variance of a selected measure over three periods (Year on Year (YoY), Year to Date (YTD), and Last Reporting to date (RTD). EOP Balance - Total – Variance: A combination chart where for a selected measure and dimension, a clustered column chart displays the comparison between current balance and the balance for the selected reference period (previous year, beginning of the current financial year, and last reporting date) and the scatter plot displays the variance between these two balances. Key Credit Metrics – Variance: A line chart which displays the variance of the current balance (As-of-Date) over the last reporting date, beginning of the financial year and previous year same date, for all the key credit measures, for a combination of dimensions.
Dimensions	Line of Business Product Type Product Organization Structure Natural Currency
Drill-down details	In Credit Portfolio – Variance Report the following measures are covered; Current Balance, Balance Previous Year, Balance Beginning of the Year, Balance Last Reporting Date, YoY Variance Amount, YoY Variance Percentage, YTD Variance Amount, YTD Variance Percentage, Variance Over Last Reporting Date Amount and Variance Over Last Reporting Date percentage.
Drill- down Path	Not Applicable