8.2.5.2.1 Customer Account Summary

This pre-built report is based on Accounts subject area. It provides stakeholders with an overall summary of credit status of institution's assets such as loans as of the selected date.

Credit Status: This provides a view of end-of-period balance in the reporting currency by credit status across regions and branches. It enables stakeholders to assess the health of credit portfolios and identify areas requiring attention. This helps in monitoring regional and branch-level credit performance and risk exposure and helps identifying if any specific region or branch needs attention.

Figure 8-44 Credit Status


Credit Status

Non Performing Assets: Provides a visual representation of non performing assets (NPAs), where definition of non performing asset is as per jurisdictional regulator and user provides data marking accounts as NPA. This visualization is based on across regions using bar charts. It offers insights into the distribution and health of non-performing assets (NPAs) by region.
  • NPA by Region and Credit Status – A bar chart representation of NPAs segmented by region and credit classification.
  • NPA % by Region and Credit Status – A percentage-based view showing the proportion of NPAs relative to total accounts within each region.

Figure 8-45 Non Performing Assets


Non Performing Assets

Asset Position Dashboard - This dashboard provides a quick overview of how assets are diversified by both business type and legal entity, highlighting the differences across the institution. It can guide strategic focus, resource allocation, and risk assessment. The below pre-built report displays the following details.

Figure 8-46 Asset Position Dashboard


Asset Position Dashboard

1. Asset by Business Type
  • Shows how assets are spread across various Lines of Business (LOB).
2. Asset by Legal Entity
  • Displays asset allocation by Legal Entities.
Loan Summary - This dashboard displays detailed information about various loan accounts as of date, including credit limits, loan types, statuses, and balance metrics.

Figure 8-47 Loan Summary


Loan Summary

Product Balance Overview - This dashboard visualizes loan data by product for Q1 of the selected year, focusing on two key financial metrics: The below pre-built report displays the following details.

Figure 8-48 Product Balance Overview


Product Balance Overview

  • 1. End of Period Balance by Product

    This chart shows the outstanding loan balances at the end of the quarter for each product.

  • 2. Average Balance by Product

    This chart shows the average outstanding balance till date:

Geographical Analysis Dashboard - The dashboard is split into sections based on different analyses:

Figure 8-49 Geographical Analysis Dashboard


Geographical Analysis Dashboard

  • Regional Analysis: Analyzes the distribution of products or other variables across different regions.
  • Branch Wise Analysis: Focuses on breaking down data across various branches.
  • Other Analysis: It also includes geographical, loan, and asset position analyses.
  • At the top of the screen, you can apply filters to narrow down your analysis:
    • Calendar Date (Full Range): Allows you to view data over any chosen time frame (year, quarter, or month).
    • Legal Entity Description: Provides options for selecting the legal entities you want to focus on.
    • Region Description: Filter data by different regions.
    • Product Name: You can filter data based on product types.
    • Hovering over each slice of the pie chart will give you more detailed numerical data (percentages).
Branchwise NPA - This displays the distribution of non-performing assets (NPAs) across branches for a particular region, segmented into various credit status categories such as Bankrupt, Impaired, Written Off, and Delinquent. This chart provides a view of NPA composition for each branch, enabling stakeholders to quickly assess and compare the extent and type of financial risk across different branches of a given region. This is especially helpful if user sees unexpected data for a given region in previous visualization, and wants to view data spread across branches for that region.

Figure 8-50 Branchwise NPA


Branchwise NPA

Balancesheet Position Dashboard

Figure 8-51 Balance Sheet Position


Balance Sheet Position

1. Balance Sheet Position by Legal Entity:
  • This section shows the Common End of Period Balance across various Legal Entities, broken down by balance sheet category by assets and liabilities.
2. Balance Sheet Position by Business Type:
  • This section uses the Line of Business (LOB) breakdown to represent the balance sheet positions.
  • Balance Sheet Category (Asset vs. Liability): Similar to the first chart, you can see the split between assets and liabilities for each business type.