Navigation: Reports >> Portfolio At Risk (PAR)

Description: View Portfolio At Risk (PAR) figures for the branch.


Portfolio At Risk (PAR) is the percentage of total loan portfolio that is at risk. So, PAR 30 is the principal amount(net after repayments) of open loans overdue by 30 days or open loans where no repayment has been made for 30 days. This is divided by the total principal amount of all open loans. Generally PAR 90 loans are considered as bad loans. You can use this to keep enough cash aside in case of future loan defaults. PAR values are often used in accounting to show the health of the total loan portfolio.


The following fields are present in theĀ Portfolio At Risk (PAR) page.


PAR 30

PAR 30 is the principal amount(net after repayments) of open loans overdue by 30 days or open loans where no repayment has been made for 30 days.


PAR 60

PAR 60 is the principal amount(net after repayments) of open loans overdue by 60 days or open loans where no repayment has been made for 60 days.


PAR 90

PAR 90is the principal amount(net after repayments) of open loans overdue by 90 days or open loans where no repayment has been made for 90 days. Generally PAR 90 loans are considered as bad loans.


Calculate PAR

Type number of days to calculate the PAR value.