Planning Cycle 4 (2017-2020) - Plan vs Outcome/Top line momentum/Well Diversified Loan Book
Behavioural Scoring affirms quality of Vehicle Financing Portfolio
Vehicle Finance Portfolio-wise Risk Distribution - Sep'19
post [
60.0%
Behavioural Score (B-score)
measures
disbursement credit quality I
using long range historical I
data.
B-score assesses every
borrower risk using Current
and Historical DPD, LTV, I
50.0%
MHCV
CAR-UTILITY
CONSTRN
LCV
SCV
TW
40.0%
WARS: 1.86
Geography, Loan
tenor, I
Population %
30.0%
Customer type, etc.
20.0%
B-score is used for
credit /
portfolio
quality
10.0%
assessment,
improving
collection efficiency, cross- I
0.0%
sell and is a lead indicator of I
credit cost.
Risk Ladder
INSIGNIFICANT
LOW
1
2
* WARS Scale
MODERATE
3
* On a scale of 1 (least risk) to 6 (high risk)
Q-o-Q Movement in Weighted Average Risk Score (WARS):
ACCEPTABLE
4
HIGH
5
DEFAULT
6
Quarter Sep'17
Dec'17 Mar'18 Jun'18
Sep'18 Dec'18 Mar'19 Jun'19 Sep'19
WARS
1.89
1.84
1.73
1.77
1.80
1.82
1.75
1.82
1.86
15
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