29.1 New and Existing Business - Summary

This section describes the parameters of the New and Existing Business - Summary Analysis.

Table 29-2 New and Existing Business Summary Analysis Parameters

Parameters	Description
Analysis Name	New and Existing Business Summary
Report Level Filters	Tabular Report: Measure (New Business, Existing Business) and period of new business covered by this analysis such as Year to Date (YTD), Quarter to Date (QTD), Month to Date (MTD). Graphical Report: Dimension covered by the analysis and period of new business such as Year to Date (YTD), Quarter to Date (QTD), Month to Date (MTD)
Analysis Description	This analysis provides the details of new business originated for the retail credit portfolio during the selected reference period (such as Year to Date (YTD), Quarter to Date (QTD), Month to Date (MTD) covering measures such as: Number of Accounts, Number of Accounts % Proportion, % of Total (Existing + New Accounts), Gross Credit Exposure, Gross Credit Exposure % Proportion, % of Total GCE (Existing + New Accounts), EOP Balance Total, EOP Balance % Proportion, % of Total EOP (Existing + New Accounts), Security Value, Security Value % Proportion and % of Total Security (Existing + New Accounts). The report also gives similar metrics for existing business (excluding new business originated during the reference period). The report also provide drill down details in both tabular and graphical report up to obligor level.
Reports Covered	This analysis is presented through a combination of a tabular and a graphical report, consisting of the following: New and Existing Business Summary: A multidimensional tabular report displaying all the above listed measures for new business originated during the chosen reference period and existing business (excluding new business originated during the reference period) comprising the retail banking portfolio. The tabular report provides drill-down facility to Obligor level details. Click on natural currency to view the tabular report with obligor details. New Business – Key Credit Metrics: A combination chart in which the clustered columns display the key credit metrics for new business originated during the selected reference period, based on selected combination of dimensions and period. The measures displayed are - GCE, EOP balance, Security value and the scatter plot displays the percentage of new business to the total business. The graphical report provides drill-down capabilities, To view the drill-down report, click the column chart and then click New Business – Key Credit Metrics Details to view the obligor level details. The report displays with the following measures: Obligor, Obligor ID, PD %, Rating, Credit Score, Credit Status, Watchlist Status, Days Past Due, Onboarding Date, Gross Credit Exposure, EOP Balance - Fund Based, EOP Balance – Non Fund Based, Total EOP Balance, Undrawn Amount, Overdue, Allowance for Loan and Lease Losses, Expected Loss, Security Value and Utilization Percent. New Business – Key Metrics Composition: A radar chart displaying the composition of key credit metrics for new business originated during the selected reference period, across selected combination of dimensions and period. The measures covered are Number of accounts, EOP balance, and GCE and security value. New Business –Credit Quality and Concentration: A scatter plot graph displaying GCE proportion of new business to total business and WAPD for each portfolio combination, based on the chosen combination of dimensions and period. Existing Business – Key Credit Metrics: A combination chart which displays the key credit metrics for existing Business (other new business originated during the selected reference period), across selected combination of dimensions and period. The clustered columns display the measures - GCE, EOP balance, Security value and the scatter plot as % of new business to the total business. Existing Business – Key Metrics Composition: A radar chart displaying the composition of key credit metrics for existing Business (other new business originated during the selected reference period), across selected combination of dimensions and period.
Dimensions	Legal Entity Line of Business Product Type Product Organization Structure Natural Currency External Credit Score Band Co-signor Status LTV Occupation Status Sourcing Channel Collateral Type Customer Age Band Credit Status Income Band Maturity Profile
Drill-down details	The tabular report New & Existing business- summary tabular report has drill-down capabilities. Click Natural Currency in each row to drill-down to access the details of existing or new obligors (as the case may be) represented by the row/portfolio (based on the combination of dimension representing each row). The drill-down tabular report displays the following details: Obligor, Obligor ID, PD%, rating, credit score, credit status, Watchlist status, Days past due, Onboarding date, Gross credit exposure, EOP balance – fund based, EOP balance Non-Fund based, Total EOP balance, Undrawn amount. The graphical report New business – key credit metrics has drill-down capabilities. Click the column chart and then click New Business – Key Credit Metrics Details to view the Obligor level details as a tabular report. The report displays the following measures; Obligor, Obligor ID, PD %, Rating, Credit Score, Credit Status, Watchlist Status, Days Past Due, Onboarding Date, Gross Credit Exposure, EOP Balance - Fund Based, EOP Balance – Non Fund Based, Total EOP Balance, Undrawn Amount, Overdue, Allowance for Loan and Lease Losses, Expected Loss, Security Value and Utilization Percent.
Drill-down Path	In the New and Existing Business Summary (Tabular Report), click Natural Currency to view the drill-down Report. In the New Business – key credit metrics (graphical report) click the column chart and then click New Business – Key Credit Metrics Details to view the drill-down report.