General description

In TurnKey Lender you can find risks reports on the Reports workplace. General overview of the Risks reports page can be found below.

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Filtering panel

The risk reports are available in charts and tables. To display the reports only in charts, the user should click the Chart button

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The user can export the data of the risks reports to the Excel spreadsheet by clicking the Export button

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Bad Rate Trend report

Non-performing loans are the loans that had a Past Due status for the end of the selected time interval.

The Bad Rate Trend report displays the number of non-performing loans in each delinquency period according to a period selected. 
The report displays the quantity of non-performing loans in delinquency periods and a total amount of non-performing loans according to a selected time interval

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Delinquency Performance report

The Delinquency Performance report displays the loans statistics in risk groups.
The report displays the number of loan applications in each delinquency period in a corresponding risk group pursuant to a selected time interval.
The Good parameter stands for the number of performing loans in the corresponding risk group, while the Total parameter displays the total number of loans in that risk group.

Delinquency Migration report

The Delinquency Migration report displays the statistics of loans migration according to delinquency periods

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The left part of the table displays the delinquency periods as of the beginning of the period while the right part displays the delinquency periods as of the current date. The 0 period corresponds to the period without delinquencies.
In the table, the user can observe how many non-performing loans from delinquency periods as of the beginning of the period migrated into current delinquency periods.
The cells of the table get highlighted in case of significant changes in comparison with the previous period.
If the number of non-performing loans in a cell of the current table has decreased in comparison with the number of non-performing loans in the same cell of the previous table as of the previous period, the cell is highlighted in green.
In case the number of non-performing loans has increased, the corresponding cell is highlighted in red.
On the chart of the Delinquency Migration report (see Fig. 16), the x-axis displays the delinquency buckets at the beginning of the period, while the y-axis displays a number of non-performing loans.The delinquency buckets as of the current date are depicted in colors on the chart.
The chart shows how the non-performing loans of previous delinquency periods migrated into the delinquency periods as of the current date

Vintage Analysis report

The Vintage Analysis report (see Fig. 17) displays information on a quantity of non-performing loans depending on a month of origination (a vintage) and an age (months on the books) accordingly to a period and a time interval selected:

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