Application Acquisition Overview

APPLICATION ACQUISITION OVERVIEW TOTAL APPLICANTS
- Total of incoming applications of Mar MTD = 7,326. The trend of

incoming was decreased compared with Jan 2019.
6,942 13,685
MONTH TO DATE LAST MONTH
- This week: aprroval rate was increased slightly compared with last
week TOTAL APPLICATIONS
#TOTAL APPLICATION BY MONTH

40K
7,326 14,881
35416 MONTH TO DATE LAST MONTH
30K AVE. REQUESTED AMOUNT

24336
20K 18046
14881
28M 28M
13619 MONTH TO DATE LAST MONTH
10K 7326
AVE. REQUESTED TENOR
0K
Oct 2018 Nov 2018 Dec 2018 Jan 2019 Feb 2019 Mar 2019 24 24
%APPROVAL BY WEEK MONTH TO DATE LAST MONTH
%Total approval %Approval by DSA %Approval by TLS %Approval by WEB
20 TOTAL APPROVALS
18.0
18.3
16.1 16.0
15
15.0
15.7
14.7
13.4
12.6
373 741
12.0 14.8 12.2
14.6 11.5 MONTH TO DATE LAST MONTH
13.5
12.6 12.2 10.2 12.4
9.6
10 11.5 %APPROVAL
8.0
9.8 7.1 10.0 9.5 6.9
6.4
5.3
6.0
5.6
6.0 5.4
5.0
5 3.1
6.4 4.7
2.5 2.4 5.5 4.9
4.8
1.4 4.6 MONTH TO DATE LAST MONTH
1.1
2.3 2.4
0
201850 201851 201852 201901 201902 201903 201904 201905 201906 201907 201908 201909 #Month by: creation month
OVERVIEW OF DAILY STATUS OF APPLICATION ACQUISITION - In Mar 10th, total new incoming was 217 applications - was
decreased by 39.2% compared with Mar 9th - due to Sunday
off, increased by 48.8% compared with same period of last week
DAILY INCOMING APPLICATIONS
Mar 3rd (from 424 to 217 applications), in which 53.5% incoming
CHANNEL DSA TLS WEB TOTAL APPLICATION applications created from TLS channel
1183
1106 1083 1110 1075 1099
1050 1031 1019
995
863
770 799 1017
613 521 599 676 639 615 676 774 717 672
629 622 594 749 710
360 526 740 486 518
380 423 424
427 321 382 357
401 221 301 213
184 217
252 454 234 296 164
101 361 417 432 404 361 371 416 374 371 373 399 358
249 285 291 243 260 298 334 294
15 18 192 144 175
121 109 110 116
Feb 10 Feb 17 Feb 24 Mar 03 Mar 10
DAILY APPLICATIONS STATUS UPDATES
ACTIVATED APPROVED CANCELLED INCOMPLETED_APP PENDING@CE PENDING@DEDUPE REFUSED TOTAL APPLICATION
1183
1106 1080 1083 1110 1069 1075 1099
1050 1031 1019 1017
995
863
770 799
705
613 639 594
526 518
423 382 424
357
184 217
101 702 864 931 980 906 886 967 972 885 967 923 935 954 740 413
552 623 681 453 569 1090 525 356 298 159
6 15 18 155 380 343
Feb 10 Feb 17 Feb 24 Mar 03 Mar 10

CONTRACT ACQUISITION OVERVIEW
TOTAL CLIENTS
- Total of disbursed contracts of Mar MTD = 107, in which 35.5% from
DSA and 63.6% from TLS, achieved 3.1% of target (107/3,460)
107 317
- Total of disbursed amount of Mar MTD = 2,974.4 MVND, in which
32.6% from DSA and 66.7% from TLS, achieved 3.4% of target TOTAL CONTRACTS
(2,974.4MVND/88,200MVND)
#TOTAL CONTRACT BY MOMTH

107 317
LAST MONTH
MONTH TO DATE
DSA TLS WEB TOTAL CONTRACTS
2,000 #CURRENT MTD TARGET %CONTRACT BY CHANNEL M…

1702
1564 WEB 0.9%
1,500 DSA
805 35.5…
1,000 857
650
107
0 3,460
247
TLS 63.6%
500 895 891 317
289 TOTAL DISBURSED AMOUNT
599
154 107
164 163
0
201810
#TOTAL DISBURSED AMOUNT BY MOMTH
201811 201812 201901 201902 201903 2974.4M 8530.6M
DSA TLS WEB TOTAL DISBURSED AMOUNT
$CURRENT MTD TARGET %DISB. BY CHANNEL MTD
50bn
42072.5M DSA WEB 0.7%
38393.7M 32.6%
40bn
30bn 20848.1M
17001.4M
19703.0M 2974.4M
20bn
6166.1M 0M 88200M TLS 66.7%
7146.6M 8530.6M
10bn 20846.3M 21076.3M
13191.3M 4443.6M 2974.4M
3894.8M 4087.0M
0bn
201810 201811 201812 201901 201902 201903 #Month by: disbursed month
DISBURSEMENT OVERVIEW - Overall: volume size 20-29.9 MVND of disbursement was achived
highest percentage.
$DISBURSMENT AMOUNT IN LAST 30 DAYS
- In Feb & Mar 2019: volume size has a tendency to move from 20-29.9
MVND into to 30-39.9 MVND and 50 MVND+, most clearly shown on
839.1M
DSA channel.
651.1M
620.6M 597.9M 615.3M
577.0M
524.9M 545.5M 546.7M
514.3M 495.4M
454.3M 471.4M
369.3M 360.0M
340.5M
299.4M 300.6M
251.5M 231.2M
190.8M
133.6M
90.9M
54.5M
Feb 17 Feb 24 Mar 03
%VOLUME SIZE OF DISBURSEMENT - OVERALL DSA CHANNEL TLS CHANNEL WEB CHANNEL
2. 10-14,9 MVND 100% 100% 100%

4.9% 4.9% 8.5% 8.5% 7.1%
10.5% 11.0% 14.3%
3. 15-19,9 MVND 5.7% 20.8% 16.2% 21.1%
11.4% 7.9% 5.5% 4.3% 4.0% 27.3%
5.0% 10.5% 6.2%
4. 20-29,9 MVND 80% 80% 8.8% 80% 14.3%
17.8%
8.1%
5. 30-39,9 MVND 14.3% 10.3% 21.1%
6. 40-49,9 MVND 18.2%
60% 66.8% 60% 60%
61.6% 75.8% 75.2%
7. 50+ MVND 69.3% 65.8% 52.2% 69.2% 100.0% 100.0%
64.9%
47.5% 39.6% 44.1%
40% 40% 40%
71.4% 42.1%
45.5%
20% 9.7% 20% 10.5% 20%

67.5% 7.9% 5.1% 10.4%
14.0% 7.9% 8.2% 10.3%
8.6% 5.4% 7.5%
16.7% 13.2% 16.1% 15.0% 13.6% 15.8%
9.1% 9.8% 10.4% 8.6% 10.8% 9.3% 10.3% 9.1%
0% 0% 0%
8 10 8 11 8 12 9 01 9 02 9 03 810 811 812 901 902 903 81
0
81
1
81
2
90
1
90
3
201 201 201 201 201 201 2 01 2 01 2 01 2 01 2 01 2 01 20
1
20
1
20
1
20
1
20
1
#REJECTION BY CHANNEL
sale_channel DSA TLS WEB Total
REJECTION REASONS BY APPLICATION
MONTH #REJECTION %REJECTION #REJECTION %REJECTION #REJECTION %REJECTION #REJECTION %REJECTION

October 2018 7200 89.9 4233 94.8 490 96.8 11923 91.9 In Mar 2019 MTD: Rejected rate ~ 94.4%
November 2018 10442 84.9 4252 87.3 362 88.7 15056 85.7
December 2018 13333 85.1 6370 84.5 366 90.4 20069 85.0
Most rejection reasons:
January 2019 19512 89.5 10093 88.2 728 96.8 30333 89.2
February 2019 4948 93.7 7786 95.1 445 98.2 13179 94.7
- Rejected by Credit Underwriting team (CE decision)
March 2019 2298 94.3 3806 94.3 166 98.2 6270 94.4 - Rejected at recently
- Due to having financial problem (High debt balance/PTI/Many active loan)
#REJECTION REASONS OVERALL - Rejected due to Bad debt
rejection reason October 2018 November 2018 December 2018 January 2019 February 2019 March 2019 Total

CE decision 2,759 3,401 4,735 9,010 3,577 1,826 25,308 %REJECTION REASONS - DSA
Rejected at recently 2,015 3,224 4,683 7,080 2,668 1,018 20,688 Bad Debt 100%
Financial problem 2,702 3,505 4,307 5,029 2,340 1,234 19,117
CE decision 20.2%
Bad Debt 2,313 2,483 3,421 4,823 2,976 1,402 17,418 80% 25.2%
Deduplication 9.1% 29.0% 28.9% 29.3%
Not meet requirements 890 1,209 1,365 2,181 643 303 6,591 34.1%
8.7%
Deduplication 531 423 534 968 395 186 3,037 Empty offer
60%
High delinquency 305 336 443 638 382 187 2,291 Financial problem 22.0% 14.4% 11.5% 14.4%
Other reasons 303 355 487 469 169 102 1,885 20.7% 19.2%
High delinquency 40%
Empty offer 79 114 57 66 11 2 329
Suspicious Fraud 6 37 69 18 10 140 Not meet requirements
Suspicious high-tech fraud 26 26 Other reasons 20% 25.4% 23.4% 23.0% 28.7% 26.7% 27.3%
Total 11,923 15,056 20,069 30,333 13,179 6,270 96,830
Rejected at recently 15.4% 14.7% 14.3% 13.2% 14.1% 13.9%
0%
%REJECTION REASONS OVERALL Suspicious Fraud Oct 2018 Nov 2018 Dec 2018 Jan 2019 Feb 2019 Mar 2019
rejection reason October 2018 November 2018 December 2018 January 2019 February 2019 March 2019 Total %REJECTION REASONS - TLS

CE decision 23.1% 22.6% 23.6% 29.7% 27.1% 29.1% 26.1% 100%
10.9% 10.8% 10.7% 11.6% 10.3% 7.4%
Rejected at recently 16.9% 21.4% 23.3% 23.3% 20.2% 16.2% 21.4%
Financial problem 22.7% 23.3% 21.5% 16.6% 17.8% 19.7% 19.7% 80% 6.0% 5.1%
Bad Debt 19.4% 16.5% 17.0% 15.9% 22.6% 22.4% 18.0% 21.9% 23.1%
25.0% 26.6% 20.8%
Not meet requirements 7.5% 8.0% 6.8% 7.2% 4.9% 4.8% 6.8% 60% 29.9%
Deduplication 4.5% 2.8% 2.7% 3.2% 3.0% 3.0% 3.1%
High delinquency 2.6% 2.2% 2.2% 2.1% 2.9% 3.0% 2.4% 40% 28.2% 31.0%
20.2% 25.4% 32.7%
Other reasons 2.5% 2.4% 2.4% 1.5% 1.3% 1.6% 1.9% 21.4%
Empty offer 0.7% 0.8% 0.3% 0.2% 0.1% 0.0% 0.3% 20%
Suspicious Fraud 0.0% 0.2% 0.2% 0.1% 0.2% 0.1% 27.4% 23.0% 28.3% 27.7%
21.3% 21.4%
Suspicious high-tech fraud 0.2% 0.0%
0%
Total 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% Oct 2018 Nov 2018 Dec 2018 Jan 2019 Feb 2019 Mar 2019
REJECTION REASONS BY CE DECISON In Mar 2019 MTD: The most common reasons for Rejection by
Credit Underwriting team:
- Job issues
- Financial ratios
#CE REJECTION REASONS - Credit history
REJECTION REASON October 2018 November 2018 December 2018 January 2019 February 2019 March 2019 Total

Job issues 15 176 915 3,345 2,182 1,129 7,762 %CE REJECTION REASONS BY TLS
CE did not comment 2,589 2,212 290 245 44 17 5,397 REJECTION REASON 100%
5.8% 8.0% 6.4%
Financial ratios 65 457 1,066 1,792 562 305 4,247 CE did not comment
3.5% 6.3% 5.5%
Credit history 64 291 775 1,259 478 227 3,094
Credit history
Fraud confirm 21 112 552 758 111 59 1,613 80% 14.9%
Field visit 21.0%
Loan purpose 49 470 661 93 47 1,320 37.4%
10.3% 57.0% 59.0%
Profile issues 3 52 432 631 80 33 1,231 Financial problems
60%
Financial problems 1 40 180 278 19 6 524
12.9%
Financial ratios
Field visit 1 10 33 30 5 1 80 94.5% 8.8%
Fraud confirm
Wrong comment/ decision 2 22 11 3 2 40 40% 23.5%
Job issues
Total 2,759 3,401 4,735 9,010 3,577 1,826 25,308 20.1%
60.4% 17.0%
Loan purpose 4.1% 18.0%
20%
Profile issues 17.4%
15.5% 17.4% 14.7%
Wrong comment/ decision
%CE REJECTION REASONS 0%
5.6%
Oct 2018 Nov 2018 Dec 2018 Jan 2019 Feb 2019 Mar 2019
REJECTION REASON October 2018 November 2018 December 2018 January 2019 February 2019 March 2019 Total

%CE REJECTION REASONS BY DSA
Job issues 0.5% 5.2% 19.3% 37.1% 61.0% 61.8% 30.7%
CE did not comment 93.8% 65.0% 6.1% 2.7% 1.2% 0.9% 21.3% 100%
5.0% 9.7% 7.4% 3.6%
Financial ratios 2.4% 13.4% 22.5% 19.9% 15.7% 16.7% 16.8%
8.4%
Credit history 2.3% 8.6% 16.4% 14.0% 13.4% 12.4% 12.2% 12.8% 11.9%
80%
Fraud confirm 0.8% 3.3% 11.7% 8.4% 3.1% 3.2% 6.4%
7.8% 18.5%
Loan purpose 1.4% 9.9% 7.3% 2.6% 2.6% 5.2% 36.9%
Profile issues 0.1% 1.5% 9.1% 7.0% 2.2% 1.8% 4.9% 60% 68.6% 67.4%
Financial problems 0.0% 1.2% 3.8% 3.1% 0.5% 0.3% 2.1% 11.0%
Field visit 0.0% 0.3% 0.7% 0.3% 0.1% 0.1% 0.3% 93.5%
8.2%
40%
Wrong comment/ decision 0.1% 0.5% 0.1% 0.1% 0.1% 0.2% 22.2%
66.9%
Total 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 19.8%
3.7% 3.6%
20%
13.3% 14.0%
15.7%
13.1%
6.1% 6.5% 8.3%
0%
REGIONAL PRODUCTION
MeKong expansion in Mar 2019:

- Total application from Mekong region: 1,866 apps (25.5% on
total application incoming)
- Achieved 12.1% of total disbursed contract & 10.9% of total

disbursed amount in Jan MTD
#APPLICATION BY CURRENT AREA

area_expansion INITIAL AREA MEKONG/ EAST EXPANSION OTHER
Creation month #TOTAL %APP. #approval %approval #TOTAL %APP. #approval %approval #TOTAL %APP. #approval %approval
APP. APP. APP.

October 2018 13,563 99.6% 1055 8.2 32 0.2% 1 3.2 24 0.2% 0 0.0
November 2018 17,977 99.6% 2518 14.4 39 0.2% 2 5.4 30 0.2% 0 0.0
December 2018 24,253 99.7% 3545 15.1 41 0.2% 2 5.1 42 0.2% 1 2.5
January 2019 26,603 75.1% 3140 12.3 8,745 24.7% 516 6.1 68 0.2% 2 3.0
February 2019 10,401 69.9% 604 6.2 4,466 30.0% 137 3.3 14 0.1% 0 0.0
March 2019 5,448 74.4% 323 6.6 1,866 25.5% 50 2.9 12 0.2% 0 0.0
Total 98,245 86.5% 11185 11.9 15,189 13.4% 708 4.9 190 0.2% 3 1.7
#CONTRACT BY CURRENT AREA

area_expansion INITIAL AREA MEKONG/ EAST EXPANSION
Disb. month #CONTRACT $DISB. %CONTRACT %$DISB. #CONTRACT $DISB. %CONTRACT %$DISB.
AMOUNT AMOUNT AMOUNT AMOUNT

October 2018 289 7.147bn 100.0% 100.0%

November 2018 857 19.703bn 100.0% 100.0%
December 2018 1563 38.378bn 99.9% 100.0% 1 0.016bn 0.1% 0.0%
January 2019 1618 39.986bn 95.1% 95.0% 84 2.086bn 4.9% 5.0%
February 2019 267 7.340bn 84.2% 86.0% 50 1.191bn 15.8% 14.0%
March 2019 94 2.651bn 87.9% 89.1% 13 0.323bn 12.1% 10.9%
Esri, © OpenStreetMap contributors, HE…
Total 4688 115.204bn 96.9% 97.0% 148 3.617bn 3.1% 3.0%
CE WORKLOAD
CE VERIFICATION BY MONTH
- Number of stock in early morning today: 33 applications
Month #TOTAL EVER #INCOMING #APPROVED #REFUSED #TOTAL %APPROVED %REJECTED %PROCESSED
STOCK OF MONTH PROCESSED
 - In Mar 10th: CE was processed 84.4% on total proposal in
October 2018 5126 3814 1067 2594 3661 29.1 70.9 41.0 CE queue
November 2018 2535 6074 2645 3481 6126 43.2 56.8 71.2
December 2018 2813 8314 3625 4782 8407 43.1 56.9 75.6
- CE approval rate ~19.7%
January 2019 13874 12782 3755 9047 12802 29.3 70.7 48.0
February 2019 530 4274 737 3528 4265 17.3 82.7 88.8
March 2019 343 2289 396 1900 2296 17.2 82.8 87.2
CE VERIFICATION DAILY
Date #STOCK OF #INCOMING #TOTAL CE IN #APPROVED #REFUSED #TOTAL %APPROVED %REJECTED %PROCESSED
EARLY DAY QUEUE PROCESSED #STOCK IN EARLY TODAY

Sunday, February 24, 2019 26 94 120 13 87 100 13.0 87.0 83.3
Monday, February 25, 2019 20 291 311 45 258 303 14.9 85.1 97.4
Tuesday, February 26, 2019 8 330 338 47 259 306 15.4 84.6 90.5
Wednesday, February 27, 2019 32 341 373 38 303 341 11.1 88.9 91.4
Thursday, February 28, 2019
Friday, March 1, 2019
32
21
274
359
306
380
47
63
238
277
285
340
16.5
18.5
83.5
81.5
93.1
89.5
14
Saturday, March 2, 2019 40 182 222 22 119 141 15.6 84.4 63.5 0 90
Sunday, March 3, 2019 81 123 204 32 157 189 16.9 83.1 92.6
Monday, March 4, 2019 15 322 337 43 254 297 14.5 85.5 88.1
Tuesday, March 5, 2019 40 341 381 56 302 358 15.6 84.4 94.0
Wednesday, March 6, 2019 23 364 387 58 285 343 16.9 83.1 88.6
Thursday, March 7, 2019 44 243 287 43 211 254 16.9 83.1 88.5
Friday, March 8, 2019 33 176 209 38 148 186 20.4 79.6 89.0
Saturday, March 9, 2019 23 112 135 26 86 112 23.2 76.8 83.0
Sunday, March 10, 2019 23 67 90 15 61 76 19.7 80.3 84.4
%CE PROCESSED = #TOTAL CE PROCESSED/#TOTAL IN CE QUEUE #TOTAL PROCESSED = #APPROVED + #REJECTED %APPROVED = #APPROVED/ #TOTAL PROCESSED
#TOTAL EVER STOCK OF MONTH = TOTAL STOCK IN CE QUEUE OF MONTH #TOTAL CE IN QUEUE = #STOCK + #NEW INCOMING %REJECTED = #REJECTED/ #TOTAL PROCESSED
CE WORKLOAD
CE DOC CHECK BY MONTH

Month #INCOMING #DOC OK #DOC CANCEL #DOC RESUBMIT #TOTAL PROCESSED %DOC OK %DOC CANCEL %DOC RESUBMIT
October 2018 928 288 216 390 894 32.2 24.2 43.6
In Mar 10th:
November 2018 2697 950 612 1160 2722 34.9 22.5 42.6 22.2% Doc Check OK
December 2018 3093 1256 808 1094 3158 39.8 25.6 34.6 33.3% Doc Check Cancel
January 2019 2942 1165 893 923 2981 39.1 30.0 31.0 Number of Resubmit increased by 44.4% due to Ineligible
February 2019 451 172 119 170 461 37.3 25.8 36.9 Document/ Lack of Document as required
March 2019 193 67 59 66 192 34.9 30.7 34.4
CE DOC CHECK DAILY

Date #INCOMING #DOC OK #DOC CANCEL #DOC RESUBMIT #TOTAL PROCESSED %DOC OK %DOC CANCEL %DOC RESUBMIT

Saturday, February 23, 2019 24 7 6 11 24 29.2 25.0 45.8
Sunday, February 24, 2019 4 3 1 3 7 42.9 14.3 42.9
Monday, February 25, 2019 27 10 5 11 26 38.5 19.2 42.3
Tuesday, February 26, 2019 32 15 5 12 32 46.9 15.6 37.5
Wednesday, February 27, 2019 25 9 5 6 20 45.0 25.0 30.0
Thursday, February 28, 2019 18 6 8 7 21 28.6 38.1 33.3
Friday, March 1, 2019 30 12 6 11 29 41.4 20.7 37.9
Saturday, March 2, 2019 8 6 5 3 14 42.9 35.7 21.4
Sunday, March 3, 2019 5 1 0 1 2 50.0 0.0 50.0
Monday, March 4, 2019 23 8 8 8 24 33.3 33.3 33.3
Tuesday, March 5, 2019 28 11 7 8 26 42.3 26.9 30.8
Wednesday, March 6, 2019 23 7 5 11 23 30.4 21.7 47.8
Thursday, March 7, 2019 27 6 11 10 27 22.2 40.7 37.0
Friday, March 8, 2019 21 5 7 7 19 26.3 36.8 36.8
Saturday, March 9, 2019 15 9 7 3 19 47.4 36.8 15.8
Sunday, March 10, 2019 13 2 3 4 9 22.2 33.3 44.4
%DOC OK = #DOC OK/ #TOTAL PROCESSED

#TOTAL PROCESSED = #DOC CANCEL + #DOC OK + #DOC RESUMIT
%DOC CANCEL = #DOC CANCEL/ #TOTAL PROCESSED
%DOC RESUBMIT = #DOC RESUBMIT/ #TOTAL PROCESSED
RE-APPLIED APPLICATIONS FROM REJECTED APPLICANT In Mar MTD: 6,270 applications were rejected in which have 745
applications re-applied additional from 820 rejected applicants (17.9%
on rejection)
This unintentionally made the rejection rates more artificial
REJECTED THEN RE-APPLIED OVERALL
Month TOTAL TOTAL #APPLICATION #APPLICANT %APPLICATION REJECTED Risk indicator highlights: vintage 201902 observed fpd5 of 60%
APPLICATION APPLICATION REJECTED THEN REJECTED THEN THEN RE-APPLIED/ TOTAL
REJECTED RE-APPLIED RE-APPLIED APPLICATION REJECTED
September 2018 20 14
October 2018 13,619 11923 1,710 1,188 14.3 #APPLICATION RE-APPLIED FROM REJECTED APPLICANT BY SALE CHANNELS
November 2018 18,046 15056 3,068 2,203 20.4
DSA TLS WEB Total App. re-applied
December 2018 24,336 20069 3,934 2,967 19.6
January 2019 35,416 30333 5,849 4,357 19.3 5849
February 2019 14,881 13179 1,947 1,632 14.8 310
March 2019 7,326 6270 820 745 13.1 750
Total 113,644 96844 17,328 11,503 17.9
3934
STATUS OF RE-APPLIED APPLICATIONS FROM REJECTED APPLICANT

3068 421
Month ACTIVATED CANCELLED IN MANUAL IN MANUAL PRESCORED REFUSED TO BE TO BE Total
DECISION PROCESS DISBURSED STUDIED

348
October 2018 4 36 1670 1710
4789 1947
November 2018 12 64 2991 1 3068 1710
December 2018 7 18 1 3908 3934 3354 324
January 2019 3 43 5 3 5795 5849
2557
February 2019 1 12 3 4 1926 1 1947 820
March 2019 1 4 8 807 820 1320 1452
Total 27 173 1 13 15 17097 1 1 17328 631
HISTORICAL RISK INDICATORS BY CONTRACT OF REJECTED APPLICANT THEN RE-APPLIED SUCCESSFULLY

vintage #contract #fpd5 his #spd his #del15+ #del30+ %#fpd5 %#spd %#del15+ %#del30+ $total $fpd5 his $spd his $del30+ $del15+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl % $npl
mob3 his mob3 his his his mob3 his mob3 his amount mob3 his mob3 his his his mob3 his mob3 his cic
201811 3 0 0 0 0 0.0 0.0 0.0 0.0 97.2M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201812 9 0 0 0 0 0.0 0.0 0.0 0.0 205.2M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201901 8 0 0 0 0 0.0 0.0 0.0 0.0 197.7M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201902 5 3 2 0 0 60.0 40.0 0.0 0.0 120.9M 69.4M 48.2M 0.0M 0.0M 0.0M 0.0M 57.4 39.9 0.0 0.0 0.0 0.0
201903 2 0 0 0 0.0 0.0 0.0 79.5M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0
Total 27 3 2 0 0 11.5 7.7 0.0 0.0 700.5M 69.4M 48.2M 0.0M 0.0M 0.0M 0.0M 9.9 6.9 0.0 0.0 0.0 0.0
RE-APPLIED APPLICATIONS FROM DISBURSED CUSTOMERS
DISBURSED THEN RE-APPLIED OVERALL #RE-APPLIED NEW APPLICATION BY SALE CHANNELS

MTD: 240 applicants has contract was disbursed and then
Month #DISBURSED CUSTOMER #RE-APPLIED NEW DSA TLS WEB Total App. re-applied they want to re-apply additional 323 loan applications with
THEN RE-APPLIED APPLICATION
 Easy Credit. Only one customer was granted for another
October 2018 15 19 loan after he terminated the first loan.
November 2018 31 40 125
December 2018 82 100
Risk indicator highlights: those customers, who tried to re-
January 2019 103 125
20 apply another loan, demonstrated bad payment profiles.
February 2019 26 29
100 We should review underwriting policies for this customer
March 2019 10 10
Total 240 323 8 group.
6
STATUS OF RE-APPLIED APPLICATIONS FROM DISBURSED CUSTOMERS

Month ACTIVATED CANCELLED PRESCORED REFUSED Total
 103
October 2018 8 11 19 40
86
November 2018 1 9 30 40 29
December 2018 16 84 100
19
January 2019 17 4 104 125
February 2019 1 2 26 29 32 10
8 25
March 2019 2 8 10 9 9
Total 1 51 8 263 323
HISTORICAL RISK INDICATORS BY CONTRACT OF CUSTOMER RE-APPLIED ADDITIONAL LOANS

vintage #contract #fpd5_his #spd_his #del15 #del30+ %#fpd5 %#spd %#del15+ %#del30+ $total $fpd5 his $spd his $del15+ $del30+ $npl $npl cic % $fpd5 his % $spd his % $del15+ % % $npl % $npl cic
+ mob3 his his his mob3 his mob3 his amount mob3 his mob3 his mob3 his $del30+
mob3 mob3 his
his

201812 50 13 7 18 14 26.0 14.0 36.0 28.0 1198.9M 337.4M 188.4M 439.8M 346.4M 44.0M 44.0M 28.1 15.7 36.7 28.9 3.7 3.7
201811 23 3 0 3 1 13.0 0.0 13.0 4.3 570.6M 67.0M 0.0M 61.8M 19.8M 0.0M 0.0M 11.7 0.0 10.8 3.5 0.0 0.0
201901 98 26 12 26 20 26.5 12.2 26.5 20.4 2250.0M 612.5M 263.6M 551.7M 426.9M 0.0M 0.0M 27.2 11.7 24.5 19.0 0.0 0.0
201902 54 20 5 0 0 37.0 9.3 0.0 0.0 1412.9M 506.8M 123.6M 0.0M 0.0M 0.0M 0.0M 35.9 8.7 0.0 0.0 0.0 0.0
201903 15 2 0 0 22.2 0.0 0.0 448.3M 35.6M 0.0M 0.0M 0.0M 0.0M 7.9 0.0 0.0 0.0 0.0
201904 1 19.1M 0.0M 0.0M 0.0 0.0
Total 241 64 24 47 35 27.4 10.3 20.1 15.0 5899.8M 1,559.3M 575.6M 1,053.3M 793.1M 44.0M 44.0M 26.4 9.8 17.9 13.4 0.7 0.7
THROUGH THE DOOR OVERVIEW
APPLICATION SUMMARY CONTRACT SUMMARY

CREATION MONTH #TOTAL APPLICATION #APPROVAL #REJECTION %APPROVAL %REJECTION AVG. AMOUNT AVG. REQ DISB. MONTH #CONTRACT $DISBURSED AVG.$DISBURSED AVG. TENOR AVG. $INSTALLMENT AVG. RATE

October 2018 13,619 1056 11923 8.1 91.9 28.9M 26.3 October 2018 285 7075.0M 24.8M 25.1 1.4M 46.8
November 2018 18,046 2520 15056 14.3 85.7 27.5M 25.6 November 2018 857 19703.0M 23.0M 24.7 1.3M 48.2
December 2018 24,336 3548 20069 15.0 85.0 27.1M 24.4 December 2018 1564 38393.7M 24.5M 24.9 1.5M 48.3
January 2019 35,416 3658 30333 10.8 89.2 26.3M 23.8 January 2019 1702 42072.5M 24.7M 23.6 1.6M 48.7
February 2019 14,881 741 13179 5.3 94.7 27.9M 23.8 February 2019 317 8530.6M 26.9M 24.3 1.6M 46.1
March 2019 7,326 373 6270 5.6 94.4 28.3M 23.7 March 2019 107 2974.4M 27.8M 23.3 1.7M 45.7
HISTORICAL RISK INDICATORS BY VINTAGE

Vintage #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total $fpd5 his $spd his $del15+ mob3 $del30+ % $fpd5 his % $spd % $del15+ % $del30+
his his mob3 his mob3 his his his mob3 his mob3 his amount outs his mob3 outs his mob3 his mob3 his
his

201811 211 26 7 35 26 12.3 3.3 16.6 12.3 5334.4M 622.0M 146.3M 765.1M 579.9M 11.7 2.7 14.3 10.9
201812 837 112 52 165 107 13.4 6.2 19.7 12.8 19354.7M 2,650.0M 1,199.6M 3,706.5M 2,430.8M 13.7 6.2 19.2 12.6
201901 1615 259 127 230 164 16.0 7.9 14.2 10.2 39405.5M 6,232.1M 3,122.9M 5,515.3M 3,958.0M 15.8 7.9 14.0 10.0
201902 1509 330 70 0 0 21.9 4.6 0.0 0.0 37215.3M 8,034.6M 1,704.7M 0.0M 0.0M 21.6 4.6 0.0 0.0
DAILY RISK INDICATORS BY VINTAGE

Vintage #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd % #del15+ % #del30+ $total $fpd5 $spd $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl % $npl cic
daily daily mob3 mob3 daily daily mob3 daily mob3 daily amount daily daily mob3 mob3 daily daily mob3 mob3
daily daily daily daily daily daily

201811 211 7 7 7 7 3.3 3.3 3.3 3.3 5334.4M 146.3M 146.3M 146.3M 146.3M 167.0M 167.0M 2.7 2.7 2.7 2.7 3.5 3.5
201812 837 26 26 26 26 3.1 3.1 3.1 3.1 19354.7M 1,025.4M 1,025.4M 1,025.4M 1,025.4M 317.6M 342.6M 5.3 5.3 5.3 5.3 1.8 1.9
201901 1615 64 64 64 64 4.0 4.0 4.0 4.0 39405.5M 2,700.6M 2,717.6M 4,342.5M 3,581.2M 0.0M 30.1M 6.9 6.9 11.0 9.1 0.0 0.1
201902 1509 115 70 0 0 7.6 4.6 0.0 0.0 37215.3M 2,712.5M 1,635.3M 0.0M 0.0M 0.0M 9.8M 7.3 4.4 0.0 0.0 0.0 0.0
Vintage: first installment month del15+: delinquency > 15 DPD fpd: first payment defaut historical risk indicators: record all contract ever hit rule in history
DPD: Days past due del30+: delinquency > 30 DPD spd: second payment defaut daily risk indicators: update status daily
$ M: Million VND mob: month on book npl: non-performing loan
HISTORICAL RISK INDICATORS BY CHANNEL SALE CHANNEL
Vintage #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total $fpd5 his $spd his $del15+ mob3 $del30+ % $fpd5 his % $spd % $del15+ % $del30+
his
201811 211 26 7 35 26 12.3 3.3 16.6 12.3 5334.4M 622.0M 146.3M 765.1M 579.9M 11.7 2.7 14.3 10.9
DSA 108 16 4 18 15 14.8 3.7 16.7 13.9 2591.2M 393.4M 84.2M 408.2M 346.5M 15.2 3.2 15.8 13.4
TLS 98 10 3 17 11 10.2 3.1 17.3 11.2 2625.8M 228.6M 62.1M 356.9M 233.4M 8.7 2.4 13.6 8.9
WEB 5 0 0 0 0 0.0 0.0 0.0 0.0 117.4M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
201812 837 112 52 165 107 13.4 6.2 19.7 12.8 19354.7M 2,650.0M 1,199.6M 3,706.5M 2,430.8M 13.7 6.2 19.2 12.6
DSA 586 84 37 121 76 14.3 6.3 20.6 13.0 12978.1M 1,940.2M 807.0M 2,666.6M 1,661.0M 14.9 6.2 20.5 12.8
TLS 239 25 13 41 29 10.5 5.4 17.2 12.1 5977.3M 584.4M 300.2M 915.5M 677.4M 9.8 5.0 15.3 11.3
WEB 12 3 2 3 2 25.0 16.7 25.0 16.7 399.3M 125.4M 92.4M 124.4M 92.4M 31.4 23.1 31.2 23.1
201901 1615 259 127 230 164 16.0 7.9 14.2 10.2 39405.5M 6,232.1M 3,122.9M 5,515.3M 3,958.0M 15.8 7.9 14.0 10.0
DSA 938 152 70 129 90 16.2 7.5 13.8 9.6 21732.2M 3,390.9M 1,590.9M 2,905.0M 2,011.3M 15.6 7.3 13.4 9.3
TLS 658 106 56 100 73 16.1 8.5 15.2 11.1 17142.3M 2,791.1M 1,482.0M 2,560.3M 1,896.7M 16.3 8.6 14.9 11.1
WEB 19 1 1 1 1 5.3 5.3 5.3 5.3 531.0M 50.0M 50.0M 50.0M 50.0M 9.4 9.4 9.4 9.4
201902 1509 330 70 0 0 21.9 4.6 0.0 0.0 37215.3M 8,034.6M 1,704.7M 0.0M 0.0M 21.6 4.6 0.0 0.0
DSA 782 162 36 0 0 20.7 4.6 0.0 0.0 18493.8M 3,717.1M 812.1M 0.0M 0.0M 20.1 4.4 0.0 0.0
TLS 722 167 34 0 0 23.1 4.7 0.0 0.0 18599.3M 4,292.0M 892.6M 0.0M 0.0M 23.1 4.8 0.0 0.0
WEB 5 1 0 0 0 20.0 0.0 0.0 0.0 122.1M 25.4M 0.0M 0.0M 0.0M 20.8 0.0 0.0 0.0
DAILY RISK INDICATORS BY SALE CHANNEL

sale_channel #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd % #del15+ % #del30+ $total $fpd5 $spd daily $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl % $npl cic
daily daily mob3 mob3 daily daily mob3 daily mob3 daily amount daily mob3 mob3 daily daily mob3 mob3
DSA 2414 113 95 59 59 4.7 3.9 2.4 2.4 55795.3M 3,380.1M 2,962.8M 3,181.4M 2,606.0M 334.4M 369.3M 6.1 5.3 5.7 4.7 0.6 0.7
201811 108 4 4 4 4 3.7 3.7 3.7 3.7 2591.2M 84.2M 84.2M 84.2M 84.2M 84.2M 84.2M 3.2 3.2 3.2 3.2 3.6 3.6
201812 586 22 22 22 22 3.8 3.8 3.8 3.8 12978.1M 707.8M 707.8M 707.8M 707.8M 250.2M 275.2M 5.5 5.5 5.5 5.5 2.1 2.3
201901 938 33 33 33 33 3.5 3.5 3.5 3.5 21732.2M 1,401.1M 1,401.1M 2,389.4M 1,814.0M 0.0M 0.0M 6.4 6.4 11.0 8.3 0.0 0.0
201902 782 54 36 0 0 6.9 4.6 0.0 0.0 18493.8M 1,187.1M 769.7M 0.0M 0.0M 0.0M 9.8M 6.4 4.2 0.0 0.0 0.0 0.1
TLS 1717 96 69 35 35 5.6 4.0 2.0 2.0 44344.7M 3,062.2M 2,419.4M 2,190.5M 2,004.5M 107.8M 137.9M 6.9 5.5 4.9 4.5 0.3 0.3
201811 98 3 3 3 3 3.1 3.1 3.1 3.1 2625.8M 62.1M 62.1M 62.1M 62.1M 82.8M 82.8M 2.4 2.4 2.4 2.4 3.4 3.4
201812 239 2 2 2 2 0.8 0.8 0.8 0.8 5977.3M 225.2M 225.2M 225.2M 225.2M 25.0M 25.0M 3.8 3.8 3.8 3.8 0.4 0.4
201901 658 30 30 30 30 4.6 4.6 4.6 4.6 17142.3M 1,249.5M 1,266.5M 1,903.2M 1,717.2M 0.0M 30.1M 7.3 7.4 11.1 10.0 0.0 0.2
201902 722 61 34 0 0 8.4 4.7 0.0 0.0 18599.3M 1,525.4M 865.6M 0.0M 0.0M 0.0M 0.0M 8.2 4.7 0.0 0.0 0.0 0.0
WEB 41 3 3 3 3 7.3 7.3 7.3 7.3 1169.8M 142.4M 142.4M 142.4M 142.4M 42.4M 42.4M 12.2 12.2 12.2 12.2 4.1 4.1
201811 5 0 0 0 0 0.0 0.0 0.0 0.0 117.4M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201812 12 2 2 2 2 16.7 16.7 16.7 16.7 399.3M 92.4M 92.4M 92.4M 92.4M 42.4M 42.4M 23.1 23.1 23.1 23.1 12.6 12.6
201901 19 1 1 1 1 5.3 5.3 5.3 5.3 531.0M 50.0M 50.0M 50.0M 50.0M 0.0M 0.0M 9.4 9.4 9.4 9.4 0.0 0.0
201902 5 0 0 0 0 0.0 0.0 0.0 0.0 122.1M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
TLS CHANNEL
Next page...
APPLICATION SUMMARY -TLS

CREATION MONTH January 2019 February 2019 March 2019
partner #APPLICATION %APPROVAL %REJECTION AVG. AMOUNT AVG. REQ #APPLICATION %APPROVAL %REJECTION AVG. AMOUNT AVG. REQ #APPLICATION %APPROVAL %REJECTION AVG. AMOUNT AVG. REQ

DICO 12 8.3 91.7 26.3M 25.0 5 0.0 100.0 41.0M 28.8 1 0.0 100.0 10.0M 12.0
EASY CREDIT LIVE CHAT 292 7.4 92.6 27.0M 23.5 195 4.8 95.2 30.5M 24.6 102 8.2 91.8 31.5M 23.9
EASYCREDIT DIGITAL 8 14.3 85.7 31.9M 25.5 3,343 4.4 95.6 29.8M 23.5 1,617 5.4 94.6 29.9M 23.1
EASYCREDIT DIGITAL 2 14 0.0 100.0 28.6M 22.9 2,288 1.9 98.1 29.7M 23.2 1,231 4.1 95.9 28.7M 22.5
EC LANDING PAGE 2,546 13.7 86.3 28.2M 23.2 873 8.5 91.5 30.8M 24.8 318 8.6 91.4 30.9M 24.2
FinViet 58 1.9 98.1 33.1M 24.4
GOBEAR 3,290 8.8 91.2 25.7M 21.9 1,163 5.4 94.6 26.3M 21.8 296 7.4 92.6 26.6M 22.3
HDC 23 26.1 73.9 33.7M 25.3 2 0.0 100.0 20.0M 15.0
THE BANK 2,509 7.5 92.5 26.1M 21.8 274 4.3 95.7 26.5M 22.5 77 2.8 97.2 24.5M 22.0
TLS Unknown 2,488 17.8 82.2 27.6M 22.9 396 16.9 83.1 30.7M 24.4 390 7.6 92.4 30.8M 23.1
TRUSTING SOCIAL 639 14.7 85.3 31.3M 24.0 106 7.1 92.9 35.5M 26.7 373 6.9 93.1 32.1M 24.2
CONTRACT SUMMARY -TLS

DISB. MONTH January 2019 February 2019 March 2019
partner #contract $disbursed avg. avg. avg. avg. #contract $disbursed avg. avg. avg. avg. #contract $disbursed avg. $disbursed avg. tenor avg. $instalment avg. rate
$disbursed tenor $instalment rate $disbursed tenor $instalment rate

DICO 1 31.8M 31.8M 24.0 2.0M 45.5

EASY CREDIT LIVE CHAT 9 195.7M 21.7M 24.0 1.3M 49.5 4 121.9M 30.5M 20.5 2.1M 46.2 4 111.6M 27.9M 21.0 2.1M 43.8
EASYCREDIT DIGITAL 33 1042.7M 31.6M 26.6 1.8M 43.9 23 654.3M 28.4M 21.7 1.8M 44.6
EASYCREDIT DIGITAL 2 11 326.3M 29.7M 22.4 1.7M 43.7 13 378.8M 29.1M 24.7 1.6M 45.8
EC LANDING PAGE 208 5225.7M 25.1M 23.6 1.6M 48.2 28 996.1M 35.6M 27.6 2.0M 43.4 10 330.7M 33.1M 24.0 1.9M 44.0
FinViet 1 11.0M 11.0M 24.0 0.7M 45.5
GOBEAR 142 3664.8M 25.8M 23.7 1.6M 47.2 34 700.6M 20.6M 21.8 1.4M 47.3 7 211.9M 30.3M 28.3 1.8M 47.0
HDC 9 321.8M 35.8M 24.0 2.3M 43.5
THE BANK 98 2721.6M 27.8M 23.1 1.8M 48.1 7 233.2M 33.3M 26.6 1.8M 43.8
TLS Unknown 291 7433.9M 25.5M 23.2 1.7M 49.4 33 914.2M 27.7M 23.4 1.8M 45.8 8 200.1M 25.0M 23.3 1.7M 44.1
TRUSTING SOCIAL 46 1241.8M 27.0M 23.8 1.9M 48.0 4 108.5M 27.1M 30.0 1.5M 43.7 3 95.4M 31.8M 20.0 2.4M 48.7
HISTORICAL RISK INDICATORS - TLS CHANNEL
HISTORICAL RISK INDICATORS BY TLS Next page...
all_partner #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total $fpd5 his $spd his $del15+ mob3 $del30+ % $fpd5 % $spd % $del15+ % $del30+
his his mob3 his mob3 his his his mob3 his mob3 his amount outs his mob3 outs his his his mob3 his mob3 his
DICO 79 8 2 20 12 10.1 2.5 25.3 15.2 1907.5M 182.0M 46.2M 438.8M 264.7M 9.5 2.4 23.0 13.9
201811 58 7 2 15 10 12.1 3.4 25.9 17.2 1429.1M 150.2M 46.2M 320.1M 217.5M 10.5 3.2 22.4 15.2
201812 18 1 0 5 2 5.6 0.0 27.8 11.1 409.6M 31.8M 0.0M 118.6M 47.2M 7.8 0.0 29.0 11.5
201901 2 0 0 0 0 0.0 0.0 0.0 0.0 37.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
201902 1 0 0 0 0 0.0 0.0 0.0 0.0 31.8M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
EASY CREDIT LIVE CHAT 16 2 2 1 0 12.5 12.5 6.3 0.0 338.1M 47.0M 47.0M 15.8M 0.0M 13.9 13.9 4.7 0.0
201812 4 0 0 1 0 0.0 0.0 25.0 0.0 72.0M 0.0M 0.0M 15.8M 0.0M 0.0 0.0 21.9 0.0
201901 5 0 0 0 0 0.0 0.0 0.0 0.0 102.6M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
201902 7 2 2 0 0 28.6 28.6 0.0 0.0 163.5M 47.0M 47.0M 0.0M 0.0M 28.8 28.8 0.0 0.0
EC LANDING PAGE 498 105 50 57 48 21.1 10.0 11.4 9.6 12752.0M 2,717.9M 1,327.2M 1,482.0M 1,259.4M 21.3 10.4 11.6 9.9
201811 16 0 0 0 0 0.0 0.0 0.0 0.0 555.7M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
201812 68 10 8 14 12 14.7 11.8 20.6 17.6 1684.9M 256.0M 201.0M 337.5M 291.4M 15.2 11.9 20.0 17.3
201901 226 52 32 43 36 23.0 14.2 19.0 15.9 5865.3M 1,384.1M 879.9M 1,144.6M 968.0M 23.6 15.0 19.5 16.5
201902 188 43 10 0 0 22.9 5.3 0.0 0.0 4646.1M 1,077.8M 246.4M 0.0M 0.0M 23.2 5.3 0.0 0.0
GOBEAR 430 69 18 45 29 16.0 4.2 10.5 6.7 11327.6M 1,728.8M 414.0M 1,096.2M 720.8M 15.3 3.7 9.7 6.4
201811 17 3 1 2 1 17.6 5.9 11.8 5.9 442.8M 78.4M 15.9M 36.8M 15.9M 17.7 3.6 8.3 3.6
201812 85 8 2 13 8 9.4 2.4 15.3 9.4 2236.6M 170.9M 40.9M 275.9M 192.1M 7.6 1.8 12.3 8.6
201901 204 28 9 30 20 13.7 4.4 14.7 9.8 5396.7M 699.1M 196.8M 783.5M 512.7M 13.0 3.6 14.5 9.5
201902 124 30 6 0 0 24.2 4.8 0.0 0.0 3251.6M 780.4M 160.4M 0.0M 0.0M 24.0 4.9 0.0 0.0
HDC 16 3 1 0 0 18.8 6.3 0.0 0.0 535.7M 121.2M 50.0M 0.0M 0.0M 22.6 9.3 0.0 0.0
201901 6 1 1 0 0 16.7 16.7 0.0 0.0 198.0M 50.0M 50.0M 0.0M 0.0M 25.3 25.3 0.0 0.0
201902 10 2 0 0 0 20.0 0.0 0.0 0.0 337.7M 71.2M 0.0M 0.0M 0.0M 21.1 0.0 0.0 0.0
THE BANK 106 23 4 0 0 21.7 3.8 0.0 0.0 2887.3M 565.7M 99.0M 0.0M 0.0M 19.6 3.4 0.0 0.0
201901 11 2 0 0 0 18.2 0.0 0.0 0.0 304.5M 48.2M 0.0M 0.0M 0.0M 15.8 0.0 0.0 0.0
201902 95 21 4 0 0 22.1 4.2 0.0 0.0 2582.8M 517.5M 99.0M 0.0M 0.0M 20.0 3.8 0.0 0.0
TLS Unknown 431 83 28 30 22 19.3 6.5 7.0 5.1 11041.3M 2,166.8M 726.5M 687.3M 517.8M 19.6 6.6 6.2 4.7
201811 3 0 0 0 0 0.0 0.0 0.0 0.0 90.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
201812 32 5 3 6 5 15.6 9.4 18.8 15.6 756.8M 104.5M 58.3M 123.0M 101.9M 13.8 7.7 16.2 13.5
201901 141 21 14 24 17 14.9 9.9 17.0 12.1 3705.2M 572.8M 355.4M 564.3M 415.9M 15.5 9.6 15.2 11.2
201902 255 57 11 0 0 22.4 4.3 0.0 0.0 6489.4M 1,489.5M 312.8M 0.0M 0.0M 23.0 4.8 0.0 0.0
TRUSTING SOCIAL 141 15 1 5 2 10.6 0.7 3.5 1.4 3555.2M 366.7M 27.0M 112.6M 44.8M 10.3 0.8 3.2 1.3
201811 4 0 0 0 0 0.0 0.0 0.0 0.0 108.2M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
201812 32 1 0 2 2 3.1 0.0 6.3 6.3 817.4M 21.2M 0.0M 44.8M 44.8M 2.6 0.0 5.5 5.5
201901 63 2 0 3 0 3.2 0.0 4.8 0.0 1533.1M 37.0M 0.0M 67.9M 0.0M 2.4 0.0 4.4 0.0
201902 42 12 1 0 0 28.6 2.4 0.0 0.0 1096.5M 308.5M 27.0M 0.0M 0.0M 28.1 2.5 0.0 0.0
Total 1717 308 106 158 113 17.9 6.2 9.2 6.6 44344.7M 7,896.1M 2,736.9M 3,832.7M 2,807.5M 17.8 6.2 8.6 6.3
DAILY RISK INDICATORS - TLS CHANNEL
DAILY RISK INDICATORS BY TLS
all_partner #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd % % $total $fpd5 $spd daily $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl %
daily daily mob3 mob3 daily daily #del15 #del30+ amount daily mob3 mob3 daily daily mob3 mob3 $npl
daily daily + mob3 mob3 daily daily daily daily cic
daily daily
DICO 79 2 2 2 2 2.5 2.5 2.5 2.5 1907.5M 46.2M 46.2M 46.2M 46.2M 66.9M 66.9M 2.4 2.4 2.4 2.4 3.8 3.8
201811 58 2 2 2 2 3.4 3.4 3.4 3.4 1429.1M 46.2M 46.2M 46.2M 46.2M 66.9M 66.9M 3.2 3.2 3.2 3.2 5.1 5.1
201812 18 0 0 0 0 0.0 0.0 0.0 0.0 409.6M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201901 2 0 0 0 0 0.0 0.0 0.0 0.0 37.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201902 1 0 0 0 0 0.0 0.0 0.0 0.0 31.8M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
EASY CREDIT LIVE CHAT 16 2 2 0 0 12.5 12.5 0.0 0.0 338.1M 47.0M 47.0M 0.0M 0.0M 0.0M 0.0M 13.9 13.9 0.0 0.0 0.0 0.0
201812 4 0 0 0 0 0.0 0.0 0.0 0.0 72.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201901 5 0 0 0 0 0.0 0.0 0.0 0.0 102.6M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201902 7 2 2 0 0 28.6 28.6 0.0 0.0 163.5M 47.0M 47.0M 0.0M 0.0M 0.0M 0.0M 28.8 28.8 0.0 0.0 0.0 0.0
EC LANDING PAGE 498 37 30 20 20 7.4 6.0 4.0 4.0 12752.0M 1,328.5M 1,151.3M 1,157.2 1,044.9M 25.0M 25.0M 10.4 9.0 9.1 8.2 0.2 0.2
M
201811 16 0 0 0 0 0.0 0.0 0.0 0.0 555.7M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201812 68 1 1 1 1 1.5 1.5 1.5 1.5 1684.9M 151.0M 151.0M 151.0M 151.0M 25.0M 25.0M 9.0 9.0 9.0 9.0 1.6 1.6
201901 226 19 19 19 19 8.4 8.4 8.4 8.4 5865.3M 780.9M 780.9M 1,006.2M 893.9M 0.0M 0.0M 13.3 13.3 17.2 15.2 0.0 0.0
201902 188 17 10 0 0 9.0 5.3 0.0 0.0 4646.1M 396.6M 219.4M 0.0M 0.0M 0.0M 0.0M 8.5 4.7 0.0 0.0 0.0 0.0
GOBEAR 430 16 13 7 7 3.7 3.0 1.6 1.6 11327.6M 421.9M 342.4M 421.0M 449.9M 15.9M 46.0M 3.7 3.0 3.7 4.0 0.1 0.4
201811 17 1 1 1 1 5.9 5.9 5.9 5.9 442.8M 15.9M 15.9M 15.9M 15.9M 15.9M 15.9M 3.6 3.6 3.6 3.6 3.9 3.9
201812 85 1 1 1 1 1.2 1.2 1.2 1.2 2236.6M 15.9M 15.9M 15.9M 15.9M 0.0M 0.0M 0.7 0.7 0.7 0.7 0.0 0.0
201901 204 5 5 5 5 2.5 2.5 2.5 2.5 5396.7M 150.2M 150.2M 389.2M 418.1M 0.0M 30.1M 2.8 2.8 7.2 7.7 0.0 0.6
201902 124 9 6 0 0 7.3 4.8 0.0 0.0 3251.6M 239.9M 160.4M 0.0M 0.0M 0.0M 0.0M 7.4 4.9 0.0 0.0 0.0 0.0
HDC 16 0 0 0 0 0.0 0.0 0.0 0.0 535.7M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201901 6 0 0 0 0 0.0 0.0 0.0 0.0 198.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201902 10 0 0 0 0 0.0 0.0 0.0 0.0 337.7M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
THE BANK 106 6 4 0 0 5.7 3.8 0.0 0.0 2887.3M 170.7M 99.0M 0.0M 0.0M 0.0M 0.0M 5.9 3.4 0.0 0.0 0.0 0.0
201901 11 0 0 0 0 0.0 0.0 0.0 0.0 304.5M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201902 95 6 4 0 0 6.3 4.2 0.0 0.0 2582.8M 170.7M 99.0M 0.0M 0.0M 0.0M 0.0M 6.6 3.8 0.0 0.0 0.0 0.0
TLS Unknown 431 31 17 6 6 7.2 3.9 1.4 1.4 11041.3M 994.4M 706.5M 522.9M 463.4M 0.0M 0.0M 9.0 6.4 4.7 4.2 0.0 0.0
201811 3 0 0 0 0 0.0 0.0 0.0 0.0 90.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201812 32 0 0 0 0 0.0 0.0 0.0 0.0 756.8M 58.3M 58.3M 58.3M 58.3M 0.0M 0.0M 7.7 7.7 7.7 7.7 0.0 0.0
201901 141 6 6 6 6 4.3 4.3 4.3 4.3 3705.2M 318.4M 335.4M 464.6M 405.1M 0.0M 0.0M 8.6 9.1 12.5 10.9 0.0 0.0
201902 255 25 11 0 0 9.8 4.3 0.0 0.0 6489.4M 617.7M 312.8M 0.0M 0.0M 0.0M 0.0M 9.5 4.8 0.0 0.0 0.0 0.0
TRUSTING SOCIAL 141 2 1 0 0 1.4 0.7 0.0 0.0 3555.2M 53.5M 27.0M 43.2M 0.0M 0.0M 0.0M 1.5 0.8 1.2 0.0 0.0 0.0
201811 4 0 0 0 0 0.0 0.0 0.0 0.0 108.2M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201812 32 0 0 0 0 0.0 0.0 0.0 0.0 817.4M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201901 63 0 0 0 0 0.0 0.0 0.0 0.0 1533.1M 0.0M 0.0M 43.2M 0.0M 0.0M 0.0M 0.0 0.0 2.8 0.0 0.0 0.0
DSA CHANNEL
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APPLICATION SUMMARY -DSA

CREATION MONTH January 2019 February 2019 March 2019
partner #APPLICATION %APPROVAL %REJECTION AVG. AMOUNT AVG. REQ #APPLICATION %APPROVAL %REJECTION AVG. AMOUNT AVG. REQ #APPLICATION %APPROVAL %REJECTION AVG. AMOUNT AVG. REQ

24h Plus 12,030 14.1 85.9 25.1M 24.4 2,246 11.5 88.5 25.7M 23.9 1,088 9.6 90.4 27.1M 25.0
Circles 732 11.1 88.9 26.4M 23.4 113 8.8 91.2 25.6M 22.5 62 12.9 87.1 24.4M 23.4
DSA Unknown 5,961 0.2 99.8 26.4M 24.7 2,418 0.0 100.0 24.1M 24.3 1,155 0.0 100.0 25.3M 24.8
FinViet 2,150 16.5 83.5 24.4M 24.3 674 7.7 92.3 23.5M 23.8 350 7.5 92.5 24.6M 24.3
Niềm Tin Việt 963 13.2 86.8 33.3M 25.4 61 3.3 96.7 33.0M 27.4 26 4.0 96.0 26.9M 21.1
Vietbank 876 3.4 96.6 26.2M 23.7 192 6.3 93.8 29.6M 26.5 36 0.0 100.0 28.1M 24.0
CONTRACT SUMMARY -DSA

DISB. MONTH January 2019 February 2019 March 2019
partner #contract $disbursed avg. avg. avg. avg. #contract $disbursed avg. avg. avg. avg. #contract $disbursed avg. $disbursed avg. tenor avg. $instalment avg. rate
$disbursed tenor $instalment rate $disbursed tenor $instalment rate

24h Plus 653 15367.3M 23.5M 23.7 1.5M 48.9 130 3286.2M 25.3M 24.2 1.5M 46.8 30 823.2M 27.4M 24.5 1.6M 45.7
Circles 29 733.1M 25.3M 22.2 1.6M 47.9 7 162.2M 23.2M 24.9 1.5M 47.9 3 72.7M 24.2M 18.0 1.4M 46.8
DSA Unknown 3 69.4M 23.1M 36.0 1.5M 54.5
FinViet 158 3669.4M 23.2M 23.7 1.5M 49.0 17 341.2M 20.1M 20.6 1.4M 51.5 4 47.1M 11.8M 15.0 1.0M 54.3
Niềm Tin Việt 46 1199.9M 26.1M 25.7 1.7M 48.4 3 104.5M 34.8M 28.0 1.9M 44.8
HISTORICAL RISK INDICATORS - DSA CHANNEL
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HISTORICAL RISK INDICATORS BY DSA

all_partner #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total $fpd5 his $spd his $del15+ mob3 $del30+ % $fpd5 % $spd % $del15+ % $del30+
his his mob3 his mob3 his his his mob3 his mob3 his amount outs his mob3 outs his his his mob3 his mob3 his
24h Plus 1803 323 117 222 148 17.9 6.5 12.3 8.2 41397.5M 7,359.2M 2,663.1M 4,948.6M 3,309.8M 17.8 6.4 12.0 8.0
201811 85 12 3 16 13 14.1 3.5 18.8 15.3 2009.2M 296.4M 59.2M 358.5M 296.8M 14.8 2.9 17.8 14.8
201812 464 65 30 104 65 14.0 6.5 22.4 14.0 10230.3M 1,480.8M 672.8M 2,290.4M 1,433.8M 14.5 6.6 22.4 14.0
201901 694 123 56 102 70 17.7 8.1 14.7 10.1 16076.8M 2,812.9M 1,298.8M 2,299.7M 1,579.3M 17.5 8.1 14.3 9.8
201902 560 123 28 0 0 22.0 5.0 0.0 0.0 13081.2M 2,769.1M 632.4M 0.0M 0.0M 21.2 4.8 0.0 0.0
Circles 105 17 6 10 10 16.2 5.7 9.5 9.5 2476.8M 345.9M 110.4M 219.1M 218.9M 14.0 4.5 8.8 8.8
201811 6 2 0 0 0 33.3 0.0 0.0 0.0 127.0M 47.0M 0.0M 0.0M 0.0M 37.0 0.0 0.0 0.0
201812 42 8 4 6 6 19.0 9.5 14.3 14.3 976.0M 153.5M 68.0M 111.7M 111.7M 15.7 7.0 11.4 11.4
201901 29 4 1 4 4 13.8 3.4 13.8 13.8 649.7M 72.4M 21.2M 107.4M 107.2M 11.1 3.3 16.5 16.5
201902 28 3 1 0 0 10.7 3.6 0.0 0.0 724.0M 73.0M 21.2M 0.0M 0.0M 10.1 2.9 0.0 0.0
DSA Unknown 11 2 1 2 1 18.2 9.1 18.2 9.1 226.6M 47.0M 20.0M 44.0M 20.0M 20.7 8.8 19.4 8.8
201811 3 0 0 0 0 0.0 0.0 0.0 0.0 51.6M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
201901 5 1 1 2 1 20.0 20.0 40.0 20.0 105.6M 20.0M 20.0M 44.0M 20.0M 18.9 18.9 41.6 18.9
201902 3 1 0 0 0 33.3 0.0 0.0 0.0 69.4M 27.0M 0.0M 0.0M 0.0M 38.9 0.0 0.0 0.0
FinViet 413 65 21 31 20 15.7 5.1 7.5 4.8 9546.2M 1,504.8M 454.5M 694.7M 420.5M 15.8 4.8 7.3 4.4
201811 10 2 1 1 1 20.0 10.0 10.0 10.0 272.2M 50.0M 25.0M 25.0M 25.0M 18.4 9.2 9.2 9.2
201812 73 9 2 10 4 12.3 2.7 13.7 5.5 1579.6M 230.9M 41.2M 239.5M 90.6M 14.6 2.6 15.2 5.7
201901 181 23 12 20 15 12.7 6.6 11.0 8.3 4195.3M 460.7M 251.0M 430.2M 304.9M 11.0 6.0 10.3 7.3
201902 149 31 6 0 0 20.8 4.0 0.0 0.0 3499.1M 763.3M 137.3M 0.0M 0.0M 21.8 3.9 0.0 0.0
Hoa Sao 1 0 0 0 0 0.0 0.0 0.0 0.0 12.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
201812 1 0 0 0 0 0.0 0.0 0.0 0.0 12.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
Niềm Tin Việt 81 7 2 3 2 8.6 2.5 3.7 2.5 2136.2M 184.7M 46.2M 73.5M 49.7M 8.6 2.2 3.4 2.3
201811 4 0 0 1 1 0.0 0.0 25.0 25.0 131.2M 0.0M 0.0M 24.7M 24.7M 0.0 0.0 18.8 18.8
201812 6 2 1 1 1 33.3 16.7 16.7 16.7 180.2M 75.0M 25.0M 25.0M 25.0M 41.6 13.9 13.9 13.9
201901 29 1 0 1 0 3.4 0.0 3.4 0.0 704.7M 25.0M 0.0M 23.7M 0.0M 3.5 0.0 3.4 0.0
201902 42 4 1 0 0 9.5 2.4 0.0 0.0 1120.1M 84.7M 21.2M 0.0M 0.0M 7.6 1.9 0.0 0.0
Total 2414 414 147 268 181 17.1 6.1 11.1 7.5 55795.3M 9,441.6M 3,294.2M 5,979.8M 4,018.9M 16.9 5.9 10.7 7.2
DAILY RISK INDICATORS - DSA CHANNEL
DAILY RISK INDICATORS BY DSA

all_partner #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd % % $total $fpd5 $spd daily $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl %
daily daily mob3 mob3 daily daily #del15 #del30+ amount daily mob3 mob3 daily daily mob3 mob3 $npl
daily daily + mob3 mob3 daily daily daily daily cic
daily daily
24h Plus 1803 92 75 47 47 5.1 4.2 2.6 2.6 41397.5M 2,752.7M 2,381.6M 2,575.8M 2,089.0M 274.2M 309.1M 6.6 5.8 6.2 5.0 0.7 0.8
201811 85 3 3 3 3 3.5 3.5 3.5 3.5 2009.2M 59.2M 59.2M 59.2M 59.2M 59.2M 59.2M 2.9 2.9 2.9 2.9 3.2 3.2
201812 464 18 18 18 18 3.9 3.9 3.9 3.9 10230.3M 598.6M 598.6M 598.6M 598.6M 215.0M 240.0M 5.9 5.9 5.9 5.9 2.3 2.5
201901 694 26 26 26 26 3.7 3.7 3.7 3.7 16076.8M 1,133.8M 1,133.8M 1,918.0M 1,431.2M 0.0M 0.0M 7.1 7.1 11.9 8.9 0.0 0.0
201902 560 45 28 0 0 8.0 5.0 0.0 0.0 13081.2M 961.1M 590.0M 0.0M 0.0M 0.0M 9.8M 7.3 4.5 0.0 0.0 0.0 0.1
Circles 105 3 4 3 3 2.9 3.8 2.9 2.9 2476.8M 89.2M 110.4M 89.2M 125.9M 19.0M 19.0M 3.6 4.5 3.6 5.1 0.8 0.8
201811 6 0 0 0 0 0.0 0.0 0.0 0.0 127.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201812 42 2 2 2 2 4.8 4.8 4.8 4.8 976.0M 68.0M 68.0M 68.0M 68.0M 19.0M 19.0M 7.0 7.0 7.0 7.0 2.1 2.1
201901 29 1 1 1 1 3.4 3.4 3.4 3.4 649.7M 21.2M 21.2M 21.2M 57.9M 0.0M 0.0M 3.3 3.3 3.3 8.9 0.0 0.0
201902 28 0 1 0 0 0.0 3.6 0.0 0.0 724.0M 0.0M 21.2M 0.0M 0.0M 0.0M 0.0M 0.0 2.9 0.0 0.0 0.0 0.0
DSA Unknown 11 1 1 1 1 9.1 9.1 9.1 9.1 226.6M 20.0M 20.0M 44.0M 20.0M 0.0M 0.0M 8.8 8.8 19.4 8.8 0.0 0.0
201811 3 0 0 0 0 0.0 0.0 0.0 0.0 51.6M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 NaN NaN
201901 5 1 1 1 1 20.0 20.0 20.0 20.0 105.6M 20.0M 20.0M 44.0M 20.0M 0.0M 0.0M 18.9 18.9 41.6 18.9 0.0 0.0
201902 3 0 0 0 0 0.0 0.0 0.0 0.0 69.4M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
FinViet 413 15 14 8 8 3.6 3.4 1.9 1.9 9546.2M 472.0M 429.6M 448.7M 371.1M 41.2M 41.2M 4.9 4.5 4.7 3.9 0.5 0.5
201811 10 1 1 1 1 10.0 10.0 10.0 10.0 272.2M 25.0M 25.0M 25.0M 25.0M 25.0M 25.0M 9.2 9.2 9.2 9.2 10.1 10.1
201812 73 2 2 2 2 2.7 2.7 2.7 2.7 1579.6M 41.2M 41.2M 41.2M 41.2M 16.2M 16.2M 2.6 2.6 2.6 2.6 1.1 1.1
201901 181 5 5 5 5 2.8 2.8 2.8 2.8 4195.3M 226.1M 226.1M 382.5M 304.9M 0.0M 0.0M 5.4 5.4 9.1 7.3 0.0 0.0
201902 149 7 6 0 0 4.7 4.0 0.0 0.0 3499.1M 179.7M 137.3M 0.0M 0.0M 0.0M 0.0M 5.1 3.9 0.0 0.0 0.0 0.0
Hoa Sao 1 0 0 0 0 0.0 0.0 0.0 0.0 12.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201812 1 0 0 0 0 0.0 0.0 0.0 0.0 12.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
Niềm Tin Việt 81 2 1 0 0 2.5 1.2 0.0 0.0 2136.2M 46.2M 21.2M 23.7M 0.0M 0.0M 0.0M 2.2 1.0 1.1 0.0 0.0 0.0
201811 4 0 0 0 0 0.0 0.0 0.0 0.0 131.2M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201812 6 0 0 0 0 0.0 0.0 0.0 0.0 180.2M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201901 29 0 0 0 0 0.0 0.0 0.0 0.0 704.7M 0.0M 0.0M 23.7M 0.0M 0.0M 0.0M 0.0 0.0 3.4 0.0 0.0 0.0
201902 42 2 1 0 0 4.8 2.4 0.0 0.0 1120.1M 46.2M 21.2M 0.0M 0.0M 0.0M 0.0M 4.1 1.9 0.0 0.0 0.0 0.0
INITIAL PROVINCE
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HISTORICAL RISK INDICATORS BY INITIAL PROVINCES

area_expansion INITIAL AREA
curr_add_city #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total amount $fpd5 his $spd his $del15+ mob3 $del30+ % % $spd % $del15+ % $del30+
his his mob3 his mob3 his his his mob3 his mob3 his outs his mob3 outs his $fpd5 his mob3 his mob3 his
his

Bà Rịa - Vũng Tàu 209 33 11 17 12 15.8 5.3 8.1 5.7 4922.9M 809.7M 265.1M 358.1M 253.8M 16.4 5.4 7.3 5.2
201811 8 1 0 0 0 12.5 0.0 0.0 0.0 226.7M 26.5M 0.0M 0.0M 0.0M 11.7 0.0 0.0 0.0
201812 48 4 2 5 3 8.3 4.2 10.4 6.3 1077.4M 96.2M 50.0M 119.5M 70.6M 8.9 4.6 11.1 6.6
201901 98 15 6 12 9 15.3 6.1 12.2 9.2 2301.8M 357.9M 137.1M 238.6M 183.2M 15.5 6.0 10.4 8.0
201902 55 13 3 0 0 23.6 5.5 0.0 0.0 1317.0M 329.1M 78.0M 0.0M 0.0M 25.0 5.9 0.0 0.0
Bình Dương 530 91 25 65 41 17.2 4.7 12.3 7.7 12908.5M 2,237.8M 589.5M 1,497.9M 893.6M 17.3 4.6 11.6 6.9
201811 30 6 3 8 8 20.0 10.0 26.7 26.7 718.1M 126.5M 63.0M 141.5M 140.8M 17.6 8.8 19.7 19.6
201812 144 22 9 29 18 15.3 6.3 20.1 12.5 3235.8M 542.1M 210.4M 705.1M 418.0M 16.8 6.5 21.8 12.9
201901 195 25 9 28 15 12.8 4.6 14.4 7.7 4937.4M 549.2M 186.5M 651.4M 334.8M 11.1 3.8 13.2 6.8
201902 161 38 4 0 0 23.6 2.5 0.0 0.0 4017.3M 1,020.0M 129.6M 0.0M 0.0M 25.4 3.2 0.0 0.0
Đồng Nai 400 79 29 55 39 19.8 7.3 13.8 9.8 9325.8M 1,821.4M 644.3M 1,208.6M 869.8M 19.5 6.9 13.0 9.3
201811 21 5 1 5 5 23.8 4.8 23.8 23.8 481.9M 113.0M 25.0M 102.3M 101.9M 23.4 5.2 21.2 21.1
201812 99 17 9 24 17 17.2 9.1 24.2 17.2 2095.3M 371.8M 199.6M 520.9M 383.2M 17.7 9.5 24.9 18.3
201901 152 26 10 26 17 17.1 6.6 17.1 11.2 3620.1M 632.5M 221.7M 585.5M 384.8M 17.5 6.1 16.2 10.6
201902 128 31 9 0 0 24.2 7.0 0.0 0.0 3128.5M 704.1M 198.1M 0.0M 0.0M 22.5 6.3 0.0 0.0
Hồ Chí Minh 2559 443 165 247 175 17.3 6.4 9.7 6.8 62846.1M 10,703.9M 4,060.0M 5,917.2M 4,285.8M 17.0 6.5 9.4 6.8
201811 135 12 2 18 10 8.9 1.5 13.3 7.4 3501.1M 309.8M 37.1M 436.3M 277.0M 8.8 1.1 12.5 7.9
201812 459 57 29 94 63 12.4 6.3 20.5 13.7 11063.4M 1,375.6M 686.6M 2,078.2M 1,440.3M 12.4 6.2 18.8 13.0
201901 995 158 86 135 102 15.9 8.6 13.6 10.3 24435.8M 3,885.8M 2,191.6M 3,402.7M 2,568.4M 15.9 9.0 13.9 10.5
201902 970 216 48 0 0 22.3 4.9 0.0 0.0 23845.8M 5,132.7M 1,144.7M 0.0M 0.0M 21.5 4.8 0.0 0.0
Long An 413 72 26 46 30 17.4 6.3 11.1 7.3 9820.5M 1,745.3M 614.5M 1,005.1M 665.7M 17.8 6.3 10.2 6.8
201811 17 2 1 4 3 11.8 5.9 23.5 17.6 406.6M 46.2M 21.2M 85.1M 60.2M 11.4 5.2 20.9 14.8
201812 87 12 3 13 6 13.8 3.4 14.9 6.9 1882.8M 264.3M 53.0M 282.9M 118.6M 14.0 2.8 15.0 6.3
201901 174 35 16 29 21 20.1 9.2 16.7 12.1 4094.5M 806.7M 386.1M 637.1M 486.8M 19.7 9.4 15.6 11.9
201902 135 23 6 0 0 17.0 4.4 0.0 0.0 3436.6M 628.1M 154.2M 0.0M 0.0M 18.3 4.5 0.0 0.0
Total 4111 718 256 430 297 17.5 6.2 10.5 7.2 99823.9M 17,318.1M 6,173.5M 9,986.9M 6,968.7M 17.3 6.2 10.0 7.0
INITIAL PROVINCE
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DAILY RISK INDICATORS BY INITIAL PROVINCES

area_expansion INITIAL AREA
curr_add_city #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd % #del15+ % #del30+ $total amount $fpd5 daily $spd daily $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % % % $npl % $npl
daily daily mob3 mob3 daily daily mob3 mob3 mob3 mob3 daily daily $del15+ $del30+ cic
daily daily daily daily daily daily mob3 mob3
daily daily

Bà Rịa - Vũng Tàu 209 8 8 5 5 3.8 3.8 2.4 2.4 4922.9M 266.6M 265.1M 240.7M 233.2M 25.0M 25.0M 5.4 5.4 4.9 4.7 0.5 0.5
201811 8 0 0 0 0 0.0 0.0 0.0 0.0 226.7M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201812 48 2 2 2 2 4.2 4.2 4.2 4.2 1077.4M 50.0M 50.0M 50.0M 50.0M 25.0M 25.0M 4.6 4.6 4.6 4.6 2.5 2.5
201901 98 3 3 3 3 3.1 3.1 3.1 3.1 2301.8M 137.1M 137.1M 190.7M 183.2M 0.0M 0.0M 6.0 6.0 8.3 8.0 0.0 0.0
201902 55 3 3 0 0 5.5 5.5 0.0 0.0 1317.0M 79.5M 78.0M 0.0M 0.0M 0.0M 0.0M 6.0 5.9 0.0 0.0 0.0 0.0
Bình Dương 530 21 17 13 13 4.0 3.2 2.5 2.5 12908.5M 645.1M 549.7M 725.1M 543.7M 136.0M 136.0M 5.0 4.3 5.6 4.2 1.1 1.1
201811 30 3 3 3 3 10.0 10.0 10.0 10.0 718.1M 63.0M 63.0M 63.0M 63.0M 63.0M 63.0M 8.8 8.8 8.8 8.8 9.8 9.8
201812 144 4 4 4 4 2.8 2.8 2.8 2.8 3235.8M 181.2M 181.2M 181.2M 181.2M 73.0M 73.0M 5.6 5.6 5.6 5.6 2.4 2.4
201901 195 6 6 6 6 3.1 3.1 3.1 3.1 4937.4M 175.9M 175.9M 480.9M 299.5M 0.0M 0.0M 3.6 3.6 9.7 6.1 0.0 0.0
201902 161 8 4 0 0 5.0 2.5 0.0 0.0 4017.3M 225.0M 129.6M 0.0M 0.0M 0.0M 0.0M 5.6 3.2 0.0 0.0 0.0 0.0
Đồng Nai 400 15 14 5 5 3.8 3.5 1.3 1.3 9325.8M 588.7M 559.4M 560.9M 535.0M 44.0M 44.0M 6.3 6.0 6.0 5.7 0.5 0.5
201811 21 1 1 1 1 4.8 4.8 4.8 4.8 481.9M 25.0M 25.0M 25.0M 25.0M 25.0M 25.0M 5.2 5.2 5.2 5.2 5.7 5.7
201812 99 2 2 2 2 2.0 2.0 2.0 2.0 2095.3M 149.6M 149.6M 149.6M 149.6M 19.0M 19.0M 7.1 7.1 7.1 7.1 1.0 1.0
201901 152 2 2 2 2 1.3 1.3 1.3 1.3 3620.1M 186.8M 186.8M 386.3M 360.4M 0.0M 0.0M 5.2 5.2 10.7 10.0 0.0 0.0
201902 128 10 9 0 0 7.8 7.0 0.0 0.0 3128.5M 227.3M 198.1M 0.0M 0.0M 0.0M 0.0M 7.3 6.3 0.0 0.0 0.0 0.0
Hồ Chí Minh 2559 143 109 61 61 5.6 4.3 2.4 2.4 62846.1M 4,342.5M 3,581.7M 3,369.5M 2,917.7M 258.4M 323.4M 6.9 5.7 5.4 4.6 0.4 0.5
201811 135 2 2 2 2 1.5 1.5 1.5 1.5 3501.1M 37.1M 37.1M 37.1M 37.1M 57.8M 57.8M 1.1 1.1 1.1 1.1 1.9 1.9
201812 459 16 16 16 16 3.5 3.5 3.5 3.5 11063.4M 612.6M 612.6M 612.6M 612.6M 200.6M 225.6M 5.5 5.5 5.5 5.5 2.0 2.2
201901 995 43 43 43 43 4.3 4.3 4.3 4.3 24435.8M 1,839.7M 1,856.7M 2,719.8M 2,268.0M 0.0M 30.1M 7.5 7.6 11.1 9.3 0.0 0.1
201902 970 82 48 0 0 8.5 4.9 0.0 0.0 23845.8M 1,853.1M 1,075.3M 0.0M 0.0M 0.0M 9.8M 7.8 4.5 0.0 0.0 0.0 0.0
Long An 413 20 19 13 13 4.8 4.6 3.1 3.1 9820.5M 622.0M 568.5M 618.0M 523.2M 21.2M 21.2M 6.3 5.8 6.3 5.3 0.2 0.2
201811 17 1 1 1 1 5.9 5.9 5.9 5.9 406.6M 21.2M 21.2M 21.2M 21.2M 21.2M 21.2M 5.2 5.2 5.2 5.2 5.5 5.5
201812 87 2 2 2 2 2.3 2.3 2.3 2.3 1882.8M 32.0M 32.0M 32.0M 32.0M 0.0M 0.0M 1.7 1.7 1.7 1.7 0.0 0.0
201901 174 10 10 10 10 5.7 5.7 5.7 5.7 4094.5M 361.1M 361.1M 564.8M 470.0M 0.0M 0.0M 8.8 8.8 13.8 11.5 0.0 0.0
201902 135 7 6 0 0 5.2 4.4 0.0 0.0 3436.6M 207.7M 154.2M 0.0M 0.0M 0.0M 0.0M 6.0 4.5 0.0 0.0 0.0 0.0
Total 4111 207 167 97 97 5.0 4.1 2.4 2.4 99823.9M 6,465.0M 5,524.5M 5,514.2M 4,752.9M 484.6M 549.6M 6.5 5.5 5.5 4.8 0.5 0.6
MEKONG/EAST EXPANSION
HISTORICAL RISK INDICATORS BY MEKONG/EAST EXPANSION
area_expansion MEKONG/ EAST EXPANSION
Vintage #Contract #fpd5 his #spd his #del15+ #del30+ % #fpd5 his % #spd his %#del15+ %#del30+ $total amount $fpd5 his $spd his $del15+ $del30+ % $fpd5 his % $spd % $del15+ % $del30+
mob3 his mob3 his mob3 his mob3 his mob3 outs his mob3 outs his his mob3 his mob3 his

201901 1 0 0 0 0 0.0 0.0 0.0 0.0 15.9M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
Tiền Giang 1 0 0 0 0 0.0 0.0 0.0 0.0 15.9M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
201902 60 9 0 0 0 15.0 0.0 0.0 0.0 1470.1M 220.5M 0.0M 0.0M 0.0M 15.0 0.0 0.0 0.0
Bạc Liêu 1 0 0 0 0.0 0.0 0.0 18.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0
Bến Tre 8 2 0 0 25.0 0.0 0.0 197.0M 47.7M 0.0M 0.0M 24.2 0.0 0.0
Bình Phước 12 0 0 0 0 0.0 0.0 0.0 0.0 291.9M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
Cần Thơ 8 2 0 0 25.0 0.0 0.0 217.3M 53.0M 0.0M 0.0M 24.4 0.0 0.0
Hậu Giang 2 1 0 0 50.0 0.0 0.0 53.0M 26.5M 0.0M 0.0M 50.0 0.0 0.0
Sóc Trăng 6 0 0 0 0.0 0.0 0.0 143.1M 0.0M 0.0M 0.0M 0.0 0.0 0.0
Tây Ninh 1 0 0 0 0.0 0.0 0.0 26.5M 0.0M 0.0M 0.0M 0.0 0.0 0.0
Tiền Giang 12 2 0 0 16.7 0.0 0.0 300.6M 53.0M 0.0M 0.0M 17.6 0.0 0.0
Trà Vinh 7 1 0 0 14.3 0.0 0.0 165.4M 26.5M 0.0M 0.0M 16.0 0.0 0.0
Vĩnh Long 3 1 0 0 33.3 0.0 0.0 57.3M 13.8M 0.0M 0.0M 24.1 0.0 0.0
Total 61 9 0 0 0 14.8 0.0 0.0 0.0 1486.0M 220.5M 0.0M 0.0M 0.0M 14.8 0.0 0.0 0.0
DAILY RISK INDICATORS BY MEKONG/EAST EXPANSION

area_expansion MEKONG/ EAST EXPANSION
Vintage #Contract #fpd #spd #del15+ #del30+ % #fpd5 % #spd % #del15+ % #del30+ $total $fpd5 $spd $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl % $npl cic
5 daily mob3 mob3 daily daily mob3 daily mob3 amount daily daily mob3 mob3 daily daily mob3 daily mob3
daily daily daily daily daily daily daily

201902 60 5 0 0 0 8.3 0.0 0.0 0.0 1470.1M 119.8M 0.0M 0.0M 0.0M 0.0M 0.0M 8.1 0.0 0.0 0.0 0.0 0.0
Tiền Giang 12 1 0 0 0 8.3 0.0 0.0 0.0 300.6M 26.5M 0.0M 0.0M 0.0M 0.0M 8.8 0.0 0.0 0.0 0.0
Bình Phước 12 0 0 0 0 0.0 0.0 0.0 0.0 291.9M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
Cần Thơ 8 2 0 0 0 25.0 0.0 0.0 0.0 217.3M 53.0M 0.0M 0.0M 0.0M 0.0M 24.4 0.0 0.0 0.0 0.0
Bến Tre 8 1 0 0 0 12.5 0.0 0.0 0.0 197.0M 26.5M 0.0M 0.0M 0.0M 0.0M 13.5 0.0 0.0 0.0 0.0
Trà Vinh 7 0 0 0 0 0.0 0.0 0.0 0.0 165.4M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0
Sóc Trăng 6 0 0 0 0 0.0 0.0 0.0 0.0 143.1M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0
Vĩnh Long 3 1 0 0 0 33.3 0.0 0.0 0.0 57.3M 13.8M 0.0M 0.0M 0.0M 0.0M 24.1 0.0 0.0 0.0 0.0
Hậu Giang 2 0 0 0 0 0.0 0.0 0.0 0.0 53.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0
Tây Ninh 1 0 0 0 0 0.0 0.0 0.0 0.0 26.5M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0
Bạc Liêu 1 0 0 0 0 0.0 0.0 0.0 0.0 18.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0
201901 1 0 0 0 0 0.0 0.0 0.0 0.0 15.9M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
Tiền Giang 1 0 0 0 0 0.0 0.0 0.0 0.0 15.9M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
Total 61 5 0 0 0 8.2 0.0 0.0 0.0 1486.0M 119.8M 0.0M 0.0M 0.0M 0.0M 0.0M 8.1 0.0 0.0 0.0 0.0 0.0
GENDER
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#APPLICATIONS BY GENDER
Portfolio overall:
gender FEMALE MALE
- Male gender accounts for a large proportion (60.7%) in the total
Month #incoming %incoming %approval #incoming %incoming %approval
loan application. 
October 2018 5,306 39.0% 7.6 8,313 61.0% 8.4

November 2018 7,260 40.2% 14.2 10,786 59.8% 14.4
Risk indicators:
December 2018 9,901 40.7% 15.5 14,435 59.3% 14.7
- Male have a higher risk indicators than Female
January 2019 14,412 40.7% 10.6 21,003 59.3% 10.9
February 2019 5,271 35.4% 5.3 9,606 64.6% 5.3
March 2019 2,489 34.0% 5.4 4,835 66.0% 5.7
HISTORICAL RISK INDICATORS BY MALE HISTORICAL RISK INDICATORS BY FEMALE
#Contract of Male % #fpd5 his %spd his #Contract of Female % #fpd5 his %spd his
1000 25 1000 25
948
898
FEMALE 39.3% 23.6
800 20 800 19.3 20
17.0 667
15.3 611
600 15 600 14.7
15
524
13.1
10.6 10.2
400 10 400
8.5
313 10
MALE 60.7%
7.1
6.9
200 5 200
145 5.7 4.8
5
4.1
66
1.5 3.1
0 0 0
201811 201812 201901 201902 201811 201812 201901 201902
RISK INDICATORS - GENDER
HISTORICAL RISK INDICATORS BY GENDER

gender #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total $fpd5 his $spd his $del15+ mob3 $del30+ % $fpd5 his % $spd % $del15+ % $del30+
his
FEMALE 1657 255 81 142 96 15.4 4.9 8.6 5.8 40312.7M 6,234.4M 2,076.1M 3,350.7M 2,315.3M 15.5 5.1 8.3 5.7
201811 66 7 1 7 5 10.6 1.5 10.6 7.6 1677.5M 159.2M 21.2M 127.7M 98.3M 9.5 1.3 7.6 5.9
201812 313 32 15 53 32 10.2 4.8 16.9 10.2 7109.4M 761.9M 362.4M 1,180.9M 736.0M 10.7 5.1 16.6 10.4
201901 667 98 46 82 59 14.7 6.9 12.3 8.8 16142.8M 2,396.7M 1,163.3M 2,042.1M 1,480.9M 14.8 7.2 12.7 9.2
201902 611 118 19 0 0 19.3 3.1 0.0 0.0 15383.0M 2,916.6M 529.2M 0.0M 0.0M 19.0 3.4 0.0 0.0
MALE 2515 472 175 288 201 18.8 7.0 11.5 8.0 60997.2M 11,304.2M 4,097.4M 6,636.2M 4,653.5M 18.5 6.7 10.9 7.6
201811 145 19 6 28 21 13.1 4.1 19.3 14.5 3656.9M 462.8M 125.1M 637.5M 481.6M 12.7 3.4 17.4 13.2
201812 524 80 37 112 75 15.3 7.1 21.4 14.3 12245.3M 1,888.1M 837.2M 2,525.6M 1,694.8M 15.4 6.8 20.6 13.8
201901 948 161 81 148 105 17.0 8.5 15.6 11.1 23262.7M 3,835.3M 1,959.7M 3,473.2M 2,477.1M 16.5 8.4 14.9 10.6
201902 898 212 51 0 0 23.6 5.7 0.0 0.0 21832.3M 5,118.0M 1,175.4M 0.0M 0.0M 23.4 5.4 0.0 0.0
Total 4172 727 256 430 297 17.4 6.1 10.3 7.1 101309.8M 17,538.6M 6,173.5M 9,986.9M 6,968.7M 17.3 6.1 9.9 6.9
DAILY RISK INDICATORS BY GENDER

gender #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd % #del15+ % #del30+ $total $fpd5 $spd daily $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl % $npl cic
daily daily mob3 mob3 daily daily mob3 daily mob3 daily amount daily mob3 daily mob3 daily daily mob3 mob3
daily daily daily daily daily
FEMALE 1657 70 53 34 34 4.2 3.2 2.1 2.1 40312.7M 2,249.2M 1,857.9M 1,910.9M 1,587.3M 157.7M 212.8M 5.6 4.6 4.7 3.9 0.4 0.6
201811 66 1 1 1 1 1.5 1.5 1.5 1.5 1677.5M 21.2M 21.2M 21.2M 21.2M 41.9M 41.9M 1.3 1.3 1.3 1.3 2.8 2.8
201812 313 10 10 10 10 3.2 3.2 3.2 3.2 7109.4M 292.4M 292.4M 292.4M 292.4M 115.8M 140.8M 4.1 4.1 4.1 4.1 1.8 2.1
201901 667 23 23 23 23 3.4 3.4 3.4 3.4 16142.8M 1,015.1M 1,015.1M 1,597.3M 1,273.7M 0.0M 30.1M 6.3 6.3 9.9 7.9 0.0 0.2
201902 611 36 19 0 0 5.9 3.1 0.0 0.0 15383.0M 920.5M 529.2M 0.0M 0.0M 0.0M 0.0M 6.0 3.4 0.0 0.0 0.0 0.0
MALE 2515 142 114 63 63 5.6 4.5 2.5 2.5 60997.2M 4,335.5M 3,666.6M 3,603.4M 3,165.6M 326.9M 336.7M 7.1 6.0 5.9 5.2 0.6 0.6
201811 145 6 6 6 6 4.1 4.1 4.1 4.1 3656.9M 125.1M 125.1M 125.1M 125.1M 125.1M 125.1M 3.4 3.4 3.4 3.4 3.8 3.8
201812 524 16 16 16 16 3.1 3.1 3.1 3.1 12245.3M 733.0M 733.0M 733.0M 733.0M 201.8M 201.8M 6.0 6.0 6.0 6.0 1.8 1.8
201901 948 41 41 41 41 4.3 4.3 4.3 4.3 23262.7M 1,685.5M 1,702.5M 2,745.3M 2,307.5M 0.0M 0.0M 7.2 7.3 11.8 9.9 0.0 0.0
201902 898 79 51 0 0 8.8 5.7 0.0 0.0 21832.3M 1,792.0M 1,106.0M 0.0M 0.0M 0.0M 9.8M 8.2 5.1 0.0 0.0 0.0 0.0
AGE BAND
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Portfolio overall: AGE BAND

- The applicant's age is mostly between 23 - 49 years old,
in which the 23-28 age band accounts for 31.3%. 5.9% 0.3%
11.1%
- %Incoming of applicants in the age band 23-28 years
old and 29-35 years old in February was increasing. 1. <20 yrs 23.3%
2. 20-22 yrs
Risk indicators:
3. 23-28 yrs
- The risk indicators clearly shows that the younger, the
higher the risk 4. 29-35 yrs 31.3%
5. 36-49 yrs
6. 50+ yrs
28.1%
#APPLICATIONS BY AGE BAND

Month October 2018 November 2018 December 2018 January 2019 February 2019 March 2019
age_band #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval

1. <20 yrs 46 0.3% 0.0 73 0.4% 0.0 79 0.3% 0.0 156 0.4% 0.0 26 0.2% 0.0 15 0.2% 0.0
2. 20-22 yrs 1,667 12.2% 7.4 2,346 13.0% 11.3 2,929 12.0% 13.6 4,017 11.3% 10.7 1,081 7.3% 7.1 546 7.5% 7.4
3. 23-28 yrs 4,402 32.3% 9.2 5,874 32.6% 16.2 7,435 30.6% 16.5 10,584 29.9% 12.4 4,854 32.6% 7.5 2,399 32.7% 6.9
4. 29-35 yrs 4,016 29.5% 7.9 4,726 26.2% 13.8 6,398 26.3% 14.4 9,704 27.4% 9.9 4,793 32.2% 4.2 2,313 31.6% 5.3
5. 36-49 yrs 2,885 21.2% 7.1 3,909 21.7% 13.4 5,893 24.2% 14.5 8,644 24.4% 10.0 3,386 22.8% 3.6 1,730 23.6% 4.0
6. 50+ yrs 603 4.4% 9.7 1,118 6.2% 17.2 1,602 6.6% 16.2 2,311 6.5% 10.7 741 5.0% 3.9 323 4.4% 3.9
Total 13,619 100.0% 8.1 18,046 100.0% 14.3 24,336 100.0% 15.0 35,416 100.0% 10.8 14,881 100.0% 5.3 7,326 100.0% 5.6
AGE BAND
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HISTORICAL RISK INDICATORS BY AGE BAND

age_band #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total $fpd5 his $spd his $del15+ mob3 $del30+ mob3 % $fpd5 his % $spd % $del15+ % $del30+
his his mob3 his mob3 his his his mob3 his mob3 his amount outs his outs his his mob3 his mob3 his
2. 20-22 yrs 456 90 40 52 37 19.7 8.8 11.4 8.1 10231.4M 1,996.1M 940.3M 1,148.2M 824.6M 19.5 9.2 11.2 8.1
201811 20 1 0 4 3 5.0 0.0 20.0 15.0 464.4M 20.0M 0.0M 66.5M 45.1M 4.3 0.0 14.3 9.7
201812 100 15 9 18 13 15.0 9.0 18.0 13.0 2100.9M 311.4M 185.2M 368.4M 269.8M 14.8 8.8 17.5 12.8
201901 170 32 15 30 21 18.8 8.8 17.6 12.4 3866.1M 763.8M 388.2M 713.3M 509.7M 19.8 10.0 18.5 13.2
201902 166 42 16 0 0 25.3 9.6 0.0 0.0 3800.0M 900.9M 366.9M 0.0M 0.0M 23.7 9.7 0.0 0.0
3. 23-28 yrs 1386 264 103 162 117 19.0 7.4 11.7 8.4 33726.9M 6,342.7M 2,360.2M 3,786.8M 2,732.0M 18.8 7.0 11.2 8.1
201811 81 13 4 13 10 16.0 4.9 16.0 12.3 1964.7M 299.4M 78.9M 265.6M 195.8M 15.2 4.0 13.5 10.0
201812 277 39 21 57 40 14.1 7.6 20.6 14.4 6676.0M 952.8M 502.7M 1,370.4M 998.2M 14.3 7.5 20.5 15.0
201901 531 99 54 92 67 18.6 10.2 17.3 12.6 13070.4M 2,311.7M 1,222.2M 2,150.8M 1,538.0M 17.7 9.4 16.5 11.8
201902 497 113 24 0 0 22.7 4.8 0.0 0.0 12015.8M 2,778.8M 556.5M 0.0M 0.0M 23.1 4.6 0.0 0.0
4. 29-35 yrs 1022 176 62 113 79 17.2 6.1 11.1 7.7 25104.7M 4,265.8M 1,507.2M 2,673.7M 1,896.7M 17.0 6.0 10.7 7.6
201811 62 10 3 12 9 16.1 4.8 19.4 14.5 1572.6M 251.6M 67.4M 313.6M 260.5M 16.0 4.3 19.9 16.6
201812 218 34 14 48 29 15.6 6.4 22.0 13.3 4976.5M 780.1M 315.7M 1,032.8M 614.6M 15.7 6.3 20.8 12.4
201901 391 56 29 53 41 14.3 7.4 13.6 10.5 9705.1M 1,337.1M 713.4M 1,327.3M 1,021.6M 13.8 7.4 13.7 10.5
201902 351 76 16 0 0 21.7 4.6 0.0 0.0 8850.6M 1,897.0M 410.7M 0.0M 0.0M 21.4 4.6 0.0 0.0
5. 36-49 yrs 984 151 41 78 52 15.3 4.2 7.9 5.3 24495.6M 3,835.3M 1,115.8M 1,821.3M 1,229.5M 15.7 4.6 7.4 5.0
201811 40 2 0 5 3 5.0 0.0 12.5 7.5 1105.4M 51.0M 0.0M 98.7M 58.5M 4.6 0.0 8.9 5.3
201812 182 17 5 28 18 9.3 2.7 15.4 9.9 4240.7M 426.7M 125.0M 612.5M 381.4M 10.1 2.9 14.4 9.0
201901 386 59 25 45 31 15.3 6.5 11.7 8.0 9496.2M 1,531.6M 698.7M 1,110.1M 789.6M 16.1 7.4 11.7 8.3
201902 376 73 11 0 0 19.4 2.9 0.0 0.0 9653.3M 1,826.1M 292.1M 0.0M 0.0M 18.9 3.0 0.0 0.0
6. 50+ yrs 324 46 10 25 12 14.2 3.1 7.7 3.7 7751.2M 1,098.7M 249.9M 556.9M 286.0M 14.2 3.2 7.2 3.7
201811 8 0 0 1 1 0.0 0.0 12.5 12.5 227.3M 0.0M 0.0M 20.7M 20.1M 0.0 0.0 9.1 8.8
201812 60 7 3 14 7 11.7 5.0 23.3 11.7 1360.6M 179.0M 71.0M 322.4M 166.7M 13.2 5.2 23.7 12.3
201901 137 13 4 10 4 9.5 2.9 7.3 2.9 3267.7M 287.9M 100.5M 213.8M 99.1M 8.8 3.1 6.5 3.0
201902 119 26 3 0 0 21.8 2.5 0.0 0.0 2895.6M 631.8M 78.4M 0.0M 0.0M 21.8 2.7 0.0 0.0
AGE BAND
DAILY RISK INDICATORS BY AGE BAND

Vintage #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd % #del15+ % #del30+ $total $fpd5 $spd daily $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl % $npl
daily daily mob3 mob3 daily daily mob3 daily mob3 daily amount daily mob3 daily mob3 daily daily mob3 mob3 cic
daily daily daily daily daily
201811 211 7 7 7 7 3.3 3.3 3.3 3.3 5334.4M 146.3M 146.3M 146.3M 146.3M 167.0M 167.0M 2.7 2.7 2.7 2.7 3.5 3.5
2. 20-22 yrs 20 0 0 0 0 0.0 0.0 0.0 0.0 464.4M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
3. 23-28 yrs 81 4 4 4 4 4.9 4.9 4.9 4.9 1964.7M 78.9M 78.9M 78.9M 78.9M 78.9M 78.9M 4.0 4.0 4.0 4.0 4.4 4.4
4. 29-35 yrs 62 3 3 3 3 4.8 4.8 4.8 4.8 1572.6M 67.4M 67.4M 67.4M 67.4M 88.1M 88.1M 4.3 4.3 4.3 4.3 6.3 6.3
5. 36-49 yrs 40 0 0 0 0 0.0 0.0 0.0 0.0 1105.4M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
6. 50+ yrs 8 0 0 0 0 0.0 0.0 0.0 0.0 227.3M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201812 837 26 26 26 26 3.1 3.1 3.1 3.1 19354.7M 1,025.4M 1,025.4M 1,025.4M 1,025.4M 317.6M 342.6M 5.3 5.3 5.3 5.3 1.8 1.9
2. 20-22 yrs 100 4 4 4 4 4.0 4.0 4.0 4.0 2100.9M 160.2M 160.2M 160.2M 160.2M 35.2M 35.2M 7.6 7.6 7.6 7.6 1.8 1.8
3. 23-28 yrs 277 8 8 8 8 2.9 2.9 2.9 2.9 6676.0M 423.5M 423.5M 423.5M 423.5M 121.4M 121.4M 6.3 6.3 6.3 6.3 1.9 1.9
4. 29-35 yrs 218 8 8 8 8 3.7 3.7 3.7 3.7 4976.5M 266.7M 266.7M 266.7M 266.7M 111.0M 111.0M 5.4 5.4 5.4 5.4 2.4 2.4
5. 36-49 yrs 182 3 3 3 3 1.6 1.6 1.6 1.6 4240.7M 125.0M 125.0M 125.0M 125.0M 25.0M 50.0M 2.9 2.9 2.9 2.9 0.6 1.3
6. 50+ yrs 60 3 3 3 3 5.0 5.0 5.0 5.0 1360.6M 50.0M 50.0M 50.0M 50.0M 25.0M 25.0M 3.7 3.7 3.7 3.7 2.0 2.0
201901 1615 64 64 64 64 4.0 4.0 4.0 4.0 39405.5M 2,700.6M 2,717.6M 4,342.5M 3,581.2M 0.0M 30.1M 6.9 6.9 11.0 9.1 0.0 0.1
2. 20-22 yrs 170 9 9 9 9 5.3 5.3 5.3 5.3 3866.1M 388.2M 388.2M 592.7M 509.7M 0.0M 0.0M 10.0 10.0 15.3 13.2 0.0 0.0
3. 23-28 yrs 531 23 23 23 23 4.3 4.3 4.3 4.3 13070.4M 1,033.0M 1,050.0M 1,636.4M 1,407.8M 0.0M 30.1M 7.9 8.0 12.5 10.8 0.0 0.2
4. 29-35 yrs 391 15 15 15 15 3.8 3.8 3.8 3.8 9705.1M 657.9M 657.9M 1,002.7M 882.4M 0.0M 0.0M 6.8 6.8 10.3 9.1 0.0 0.0
5. 36-49 yrs 386 13 13 13 13 3.4 3.4 3.4 3.4 9496.2M 548.0M 548.0M 929.8M 682.2M 0.0M 0.0M 5.8 5.8 9.8 7.2 0.0 0.0
6. 50+ yrs 137 4 4 4 4 2.9 2.9 2.9 2.9 3267.7M 73.5M 73.5M 181.0M 99.1M 0.0M 0.0M 2.2 2.2 5.5 3.0 0.0 0.0
201902 1509 115 70 0 0 7.6 4.6 0.0 0.0 37215.3M 2,712.5M 1,635.3M 0.0M 0.0M 0.0M 9.8M 7.3 4.4 0.0 0.0 0.0 0.0
2. 20-22 yrs 166 23 16 0 0 13.9 9.6 0.0 0.0 3800.0M 503.7M 366.9M 0.0M 0.0M 0.0M 0.0M 13.3 9.7 0.0 0.0 0.0 0.0
3. 23-28 yrs 497 41 24 0 0 8.2 4.8 0.0 0.0 12015.8M 999.1M 556.5M 0.0M 0.0M 0.0M 0.0M 8.3 4.6 0.0 0.0 0.0 0.0
4. 29-35 yrs 351 26 16 0 0 7.4 4.6 0.0 0.0 8850.6M 567.2M 341.3M 0.0M 0.0M 0.0M 9.8M 6.4 3.9 0.0 0.0 0.0 0.1
5. 36-49 yrs 376 17 11 0 0 4.5 2.9 0.0 0.0 9653.3M 433.1M 292.1M 0.0M 0.0M 0.0M 0.0M 4.5 3.0 0.0 0.0 0.0 0.0
6. 50+ yrs 119 8 3 0 0 6.7 2.5 0.0 0.0 2895.6M 209.4M 78.4M 0.0M 0.0M 0.0M 0.0M 7.2 2.7 0.0 0.0 0.0 0.0
Total 4172 212 167 97 97 5.1 4.0 2.3 2.3 101309.8M 6,584.7M 5,524.5M 5,514.2M 4,752.9M 484.6M 549.6M 6.5 5.5 5.4 4.7 0.5 0.6
PROFESSION
Next page...
PROFESSION
Portfolio overall:
- The majority of applicants are employee, but the proportion of
0.1%
this group is decreasing and turning into self-employee groups.
18.3%
Risk indicators:
- The risk indicators show the risk trend is concentrated in self-
employee groups.
Employee
Self employee
Freelance
Retired 22.1% 59.5%
#APPLICATIONS BY PROFESSION
empl_type #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval

Employee 9,341 68.6% 8.2 11,276 62.5% 13.5 14,463 59.4% 14.9 19,075 53.9% 12.7 8,972 60.3% 8.5 4,454 60.8% 8.8
Freelance 2,039 15.0% 7.2 3,409 18.9% 12.8 4,631 19.0% 12.1 6,822 19.3% 6.6 2,603 17.5% 0.3 1,326 18.1% 0.2
Retired 35 0.3% 0.0 29 0.2% 8.7 24 0.1% 0.0 24 0.1% 10.0 13 0.1% 8.3 7 0.1% 0.0
Self employee 2,204 16.2% 8.8 3,332 18.5% 18.8 5,218 21.4% 18.0 9,495 26.8% 9.9 3,293 22.1% 0.6 1,539 21.0% 1.3
Total 13,619 100.0% 8.1 18,046 100.0% 14.3 24,336 100.0% 15.0 35,416 100.0% 10.8 14,881 100.0% 5.3 7,326 100.0% 5.6
HISTORICAL RISK INDICATORS BY PROFESSION RISK INDICATORS - PROFESSION
empl_type #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total $fpd5 his $spd his $del15+ mob3 $del30+ mob3 % $fpd5 his % $spd % $del15+ % $del30+
Employee 2201 322 109 193 135 14.6 5.0 8.8 6.1 55799.9M 8,033.4M 2,802.2M 4,762.6M 3,364.6M 14.4 5.0 8.5 6.0
201811 133 17 4 19 15 12.8 3.0 14.3 11.3 3595.2M 416.6M 81.4M 427.8M 344.9M 11.6 2.3 11.9 9.6
201812 455 51 22 79 51 11.2 4.8 17.4 11.2 11038.2M 1,289.2M 565.4M 1,917.6M 1,257.9M 11.7 5.1 17.4 11.4
201901 828 108 53 95 69 13.0 6.4 11.5 8.3 21266.0M 2,712.4M 1,396.9M 2,417.2M 1,761.8M 12.8 6.6 11.4 8.3
201902 785 146 30 0 0 18.6 3.8 0.0 0.0 19900.5M 3,615.3M 758.6M 0.0M 0.0M 18.2 3.8 0.0 0.0
Freelance 756 157 58 100 64 20.8 7.7 13.2 8.5 16578.5M 3,468.4M 1,204.0M 2,050.2M 1,275.4M 20.9 7.3 12.4 7.7
201811 42 5 2 7 5 11.9 4.8 16.7 11.9 890.5M 115.9M 39.9M 140.0M 95.3M 13.0 4.5 15.7 10.7
201812 156 27 13 40 26 17.3 8.3 25.6 16.7 3111.1M 544.9M 240.4M 754.0M 482.0M 17.5 7.7 24.2 15.5
201901 285 55 24 53 33 19.3 8.4 18.6 11.6 6279.8M 1,201.3M 500.4M 1,156.2M 698.1M 19.1 8.0 18.4 11.1
201902 273 70 19 0 0 25.6 7.0 0.0 0.0 6297.2M 1,606.3M 423.3M 0.0M 0.0M 25.5 6.7 0.0 0.0
Retired 2 0 0 0 0 0.0 0.0 0.0 0.0 51.8M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
201812 2 0 0 0 0 0.0 0.0 0.0 0.0 51.8M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
Self employee 1213 248 89 137 98 20.4 7.3 11.3 8.1 28879.6M 6,036.8M 2,167.3M 3,174.1M 2,328.7M 20.9 7.5 11.0 8.1
201811 36 4 1 9 6 11.1 2.8 25.0 16.7 848.7M 89.5M 25.0M 197.3M 139.7M 10.5 2.9 23.3 16.5
201812 224 34 17 46 30 15.2 7.6 20.5 13.4 5153.6M 815.9M 393.8M 1,034.9M 690.8M 15.8 7.6 20.1 13.4
201901 502 96 50 82 62 19.1 10.0 16.3 12.4 11859.7M 2,318.4M 1,225.7M 1,941.9M 1,498.2M 19.5 10.3 16.4 12.6
201902 451 114 21 0 0 25.3 4.7 0.0 0.0 11017.7M 2,813.0M 522.8M 0.0M 0.0M 25.5 4.7 0.0 0.0
Total 4172 727 256 430 297 17.4 6.1 10.3 7.1 101309.8M 17,538.6M 6,173.5M 9,986.9M 6,968.7M 17.3 6.1 9.9 6.9
DAILY RISK INDICATORS BY PROFESSION
Vintage #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd % #del15+ % #del30+ $total $fpd5 $spd $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl % $npl cic
daily daily mob3 mob3 daily daily mob3 daily mob3 daily amount daily daily mob3 mob3 daily daily mob3 mob3
201811 211 7 7 7 7 3.3 3.3 3.3 3.3 5334.4M 146.3M 146.3M 146.3M 146.3M 167.0M 167.0M 2.7 2.7 2.7 2.7 3.5 3.5
Employee 133 4 4 4 4 3.0 3.0 3.0 3.0 3595.2M 81.4M 81.4M 81.4M 81.4M 102.1M 102.1M 2.3 2.3 2.3 2.3 3.2 3.2
Freelance 42 2 2 2 2 4.8 4.8 4.8 4.8 890.5M 39.9M 39.9M 39.9M 39.9M 39.9M 39.9M 4.5 4.5 4.5 4.5 5.1 5.1
Self employee 36 1 1 1 1 2.8 2.8 2.8 2.8 848.7M 25.0M 25.0M 25.0M 25.0M 25.0M 25.0M 2.9 2.9 2.9 2.9 3.2 3.2
201812 837 26 26 26 26 3.1 3.1 3.1 3.1 19354.7M 1,025.4M 1,025.4M 1,025.4M 1,025.4M 317.6M 342.6M 5.3 5.3 5.3 5.3 1.8 1.9
Retired 2 0 0 0 0 0.0 0.0 0.0 0.0 51.8M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201901 1615 64 64 64 64 4.0 4.0 4.0 4.0 39405.5M 2,700.6M 2,717.6M 4,342.5M 3,581.2M 0.0M 30.1M 6.9 6.9 11.0 9.1 0.0 0.1
Employee 828 24 24 24 24 2.9 2.9 2.9 2.9 21266.0M 1,229.2M 1,246.2M 1,889.0M 1,596.5M 0.0M 30.1M 5.8 5.9 8.9 7.5 0.0 0.2
Self employee 502 25 25 25 25 5.0 5.0 5.0 5.0 11859.7M 1,052.5M 1,052.5M 1,607.2M 1,373.8M 0.0M 0.0M 8.9 8.9 13.6 11.6 0.0 0.0
201902 1509 115 70 0 0 7.6 4.6 0.0 0.0 37215.3M 2,712.5M 1,635.3M 0.0M 0.0M 0.0M 9.8M 7.3 4.4 0.0 0.0 0.0 0.0
Employee 785 42 30 0 0 5.4 3.8 0.0 0.0 19900.5M 1,044.5M 726.8M 0.0M 0.0M 0.0M 9.8M 5.2 3.7 0.0 0.0 0.0 0.1
Self employee 451 41 21 0 0 9.1 4.7 0.0 0.0 11017.7M 1,002.3M 522.8M 0.0M 0.0M 0.0M 0.0M 9.1 4.7 0.0 0.0 0.0 0.0
INCOME PROOF
INCOME PROOF N Y
Portfolio overall:
- Almost applicants cannot prove the income (72.3%).
#APPLICATIONS BY INCOME PROOF
income_proof N Y - The approval rate of applicants who have proven the
27.7%
Month #incoming %incoming %approval #incoming %incoming %approval income is higher than the group couldn't prove the income.

October 2018 7305 53.6% 7.2 6314 46.4% 9.2

November 2018 11790 65.3% 14.5 6256 34.7% 14.1
Risk indicators:
December 2018 18647 76.6% 14.3 5689 23.4% 17.5 - The risk indicators show that the risk trend is concentrated
January 2019 28451 80.3% 9.6 6965 19.7% 15.5 72.3%
in the group that couldn't prove the income.
February 2019 10880 73.1% 3.1 4001 26.9% 11.2
March 2019 5104 69.7% 2.0 2222 30.3% 13.9
HISTORICAL RISK INDICATORS BY AGE BAND

income_proof #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total $fpd5 his $spd his $del15+ mob3 $del30+ mob3 % $fpd5 his % $spd % $del15+ % $del30+
N 3384 643 227 366 255 19.0 6.7 10.8 7.5 74930.0M 14,680.8M 5,135.4M 7,908.1M 5,508.8M 19.6 6.9 10.6 7.4
201811 123 17 6 26 21 13.8 4.9 21.1 17.1 2510.2M 375.1M 125.1M 525.6M 417.8M 14.9 5.0 20.9 16.6
201812 637 97 46 141 92 15.2 7.2 22.1 14.4 13147.6M 2,124.2M 966.6M 2,914.6M 1,890.9M 16.2 7.4 22.2 14.4
201901 1331 227 112 199 142 17.1 8.4 15.0 10.7 29649.5M 5,135.0M 2,574.9M 4,467.9M 3,200.0M 17.3 8.7 15.1 10.8
201902 1293 302 63 0 0 23.4 4.9 0.0 0.0 29622.7M 7,046.6M 1,468.8M 0.0M 0.0M 23.8 5.0 0.0 0.0
Y 788 84 29 64 42 10.7 3.7 8.1 5.3 26379.8M 2,857.8M 1,038.1M 2,078.8M 1,459.9M 10.8 3.9 7.9 5.5
201811 88 9 1 9 5 10.2 1.1 10.2 5.7 2824.2M 246.9M 21.2M 239.5M 162.1M 8.7 0.8 8.5 5.7
201812 200 15 6 24 15 7.5 3.0 12.0 7.5 6207.1M 525.8M 233.0M 792.0M 539.9M 8.5 3.8 12.8 8.7
201901 284 32 15 31 22 11.3 5.3 10.9 7.7 9756.0M 1,097.1M 548.0M 1,047.4M 758.0M 11.2 5.6 10.7 7.8
201902 216 28 7 0 0 13.0 3.2 0.0 0.0 7592.6M 988.0M 235.9M 0.0M 0.0M 13.0 3.1 0.0 0.0
Total 4172 727 256 430 297 17.4 6.1 10.3 7.1 101309.8M 17,538.6M 6,173.5M 9,986.9M 6,968.7M 17.3 6.1 9.9 6.9
DAILY RISK INDICATORS BY INCOME PROOF

income_proof #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd % #del15+ % #del30+ $total $fpd5 $spd $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl % $npl cic
daily daily mob3 mob3 daily daily mob3 mob3 amount daily daily mob3 mob3 daily daily mob3 mob3
daily daily daily daily daily daily daily daily
N 3384 191 147 84 84 5.6 4.3 2.5 2.5 74930.0M 5,610.2M 4,608.2M 4,535.2M 3,878.6M 342.0M 376.8M 7.5 6.2 6.1 5.2 0.5 0.5
201811 123 6 6 6 6 4.9 4.9 4.9 4.9 2510.2M 125.1M 125.1M 125.1M 125.1M 145.8M 145.8M 5.0 5.0 5.0 5.0 6.6 6.6
201812 637 21 21 21 21 3.3 3.3 3.3 3.3 13147.6M 821.6M 821.6M 821.6M 821.6M 196.2M 221.2M 6.2 6.2 6.2 6.2 1.6 1.8
201901 1331 57 57 57 57 4.3 4.3 4.3 4.3 29649.5M 2,230.4M 2,230.4M 3,588.5M 2,931.9M 0.0M 0.0M 7.5 7.5 12.1 9.9 0.0 0.0
201902 1293 107 63 0 0 8.3 4.9 0.0 0.0 29622.7M 2,433.2M 1,431.2M 0.0M 0.0M 0.0M 9.8M 8.2 4.8 0.0 0.0 0.0 0.0
Y 788 21 20 13 13 2.7 2.5 1.6 1.6 26379.8M 974.5M 916.3M 979.0M 874.3M 142.6M 172.7M 3.7 3.5 3.7 3.3 0.6 0.7
201811 88 1 1 1 1 1.1 1.1 1.1 1.1 2824.2M 21.2M 21.2M 21.2M 21.2M 21.2M 21.2M 0.8 0.8 0.8 0.8 0.8 0.8
201812 200 5 5 5 5 2.5 2.5 2.5 2.5 6207.1M 203.8M 203.8M 203.8M 203.8M 121.4M 121.4M 3.3 3.3 3.3 3.3 2.1 2.1
201901 284 7 7 7 7 2.5 2.5 2.5 2.5 9756.0M 470.2M 487.2M 754.0M 649.3M 0.0M 30.1M 4.8 5.0 7.7 6.7 0.0 0.3
201902 216 8 7 0 0 3.7 3.2 0.0 0.0 7592.6M 279.3M 204.1M 0.0M 0.0M 0.0M 0.0M 3.7 2.7 0.0 0.0 0.0 0.0
Total 4172 212 167 97 97 5.1 4.0 2.3 2.3 101309.8M 6,584.7M 5,524.5M 5,514.2M 4,752.9M 484.6M 549.6M 6.5 5.5 5.4 4.7 0.5 0.6
INCOME BAND
Next page...
INCOME BAND
Portfolio overall:
0.4% - Almost applicants have declared their income more than 15 million.
9.5%
1. <4,5 MVND
26.3% Risk indicators:
2. 4,5-5,9 MVND
- The risk indicators do not clearly show the tendency to focus on any group
3. 6-7,9 MVND 15.5% income band
4. 8-9,9 MVND
5. 10-11,9 MVND
6. 12-14,9 MVND
7. 15+ MVND 13.3%

21.3%
8. No Info
12.2%
#APPLICATIONS BY INCOME BAND

total_income #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval

1. <4,5 MVND 67 0.5% 0.0 106 0.6% 0.0 70 0.3% 0.0 105 0.3% 0.0 36 0.2% 0.0 19 0.3% 0.0
2. 4,5-5,9 MVND 285 2.1% 6.2 416 2.3% 5.4 345 1.4% 9.4 419 1.2% 6.8 175 1.2% 5.4 125 1.7% 6.0
3. 6-7,9 MVND 1,813 13.3% 6.9 2,393 13.3% 11.2 2,292 9.4% 13.3 2,731 7.7% 10.1 1,003 6.7% 9.8 607 8.3% 8.2
4. 8-9,9 MVND 2,536 18.6% 9.5 3,485 19.3% 14.9 4,001 16.4% 16.0 5,074 14.3% 13.6 1,627 10.9% 9.5 901 12.3% 9.3
5. 10-11,9 MVND 1,956 14.4% 10.1 2,766 15.3% 16.4 3,407 14.0% 17.8 4,634 13.1% 14.0 1,557 10.5% 10.4 801 10.9% 8.5
6. 12-14,9 MVND 1,443 10.6% 10.0 2,271 12.6% 18.7 3,319 13.6% 20.7 4,678 13.2% 15.6 1,456 9.8% 10.2 663 9.0% 9.6
7. 15+ MVND 2,752 20.2% 12.4 3,937 21.8% 21.6 5,616 23.1% 23.2 8,245 23.3% 16.0 2,478 16.7% 7.4 1,113 15.2% 10.1
8. No Info 2,767 20.3% 0.1 2,672 14.8% 0.1 5,286 21.7% 0.0 9,530 26.9% 0.0 6,549 44.0% 0.0 3,097 42.3% 0.0
Total 13,619 100.0% 8.1 18,046 100.0% 14.3 24,336 100.0% 15.0 35,416 100.0% 10.8 14,881 100.0% 5.3 7,326 100.0% 5.6
HISTORICAL RISK INDICATORS - INCOME BAND
HISTORICAL RISK INDICATORS BY INCOME BAND

Vintage #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total $fpd5 his $spd his $del15+ mob3 $del30+ mob3 % $fpd5 his % $spd % $del15+ % $del30+
201811 211 26 7 35 26 12.3 3.3 16.6 12.3 5334.4M 622.0M 146.3M 765.1M 579.9M 11.7 2.7 14.3 10.9
2. 4,5-5,9 MVND 3 1 0 0 0 33.3 0.0 0.0 0.0 46.6M 17.0M 0.0M 0.0M 0.0M 36.5 0.0 0.0 0.0
3. 6-7,9 MVND 14 2 1 4 3 14.3 7.1 28.6 21.4 293.4M 30.0M 14.0M 60.5M 44.7M 10.2 4.8 20.6 15.2
4. 8-9,9 MVND 46 8 2 9 7 17.4 4.3 19.6 15.2 1090.5M 184.9M 45.2M 187.1M 141.1M 17.0 4.1 17.2 12.9
5. 10-11,9 MVND 33 2 1 5 4 6.1 3.0 15.2 12.1 781.0M 46.0M 25.0M 96.3M 74.6M 5.9 3.2 12.3 9.5
6. 12-14,9 MVND 33 4 1 4 2 12.1 3.0 12.1 6.1 818.3M 89.9M 15.9M 73.4M 36.7M 11.0 1.9 9.0 4.5
7. 15+ MVND 82 9 2 13 10 11.0 2.4 15.9 12.2 2304.6M 254.2M 46.2M 347.8M 282.8M 11.0 2.0 15.1 12.3
201812 837 112 52 165 107 13.4 6.2 19.7 12.8 19354.7M 2,650.0M 1,199.6M 3,706.5M 2,430.8M 13.7 6.2 19.2 12.6
2. 4,5-5,9 MVND 7 0 0 1 0 0.0 0.0 14.3 0.0 106.6M 0.0M 0.0M 24.6M 0.0M 0.0 0.0 23.1 0.0
3. 6-7,9 MVND 78 7 4 11 8 9.0 5.1 14.1 10.3 1345.8M 155.8M 56.8M 240.6M 171.5M 11.6 4.2 17.9 12.7
4. 8-9,9 MVND 161 31 13 38 29 19.3 8.1 23.6 18.0 3375.3M 687.6M 301.0M 824.7M 639.5M 20.4 8.9 24.4 18.9
5. 10-11,9 MVND 138 16 9 28 19 11.6 6.5 20.3 13.8 3041.3M 336.5M 187.0M 629.8M 422.3M 11.1 6.1 20.7 13.9
6. 12-14,9 MVND 144 22 8 31 17 15.3 5.6 21.5 11.8 3453.6M 527.2M 185.9M 652.8M 340.5M 15.3 5.4 18.9 9.9
7. 15+ MVND 307 35 17 55 33 11.4 5.5 17.9 10.7 7997.1M 922.9M 448.9M 1,313.9M 836.9M 11.5 5.6 16.4 10.5
8. No Info 2 1 1 1 1 50.0 50.0 50.0 50.0 35.0M 20.0M 20.0M 20.0M 20.0M 57.1 57.1 57.1 57.1
201901 1615 259 127 230 164 16.0 7.9 14.2 10.2 39405.5M 6,232.1M 3,122.9M 5,515.3M 3,958.0M 15.8 7.9 14.0 10.0
2. 4,5-5,9 MVND 9 1 1 1 1 11.1 11.1 11.1 11.1 145.9M 10.0M 10.0M 10.0M 10.0M 6.9 6.9 6.9 6.9
3. 6-7,9 MVND 112 22 13 21 18 19.6 11.6 18.8 16.1 2070.5M 406.4M 201.3M 356.0M 291.7M 19.6 9.7 17.2 14.1
4. 8-9,9 MVND 242 33 11 31 17 13.6 4.5 12.8 7.0 5421.0M 687.9M 233.1M 689.3M 385.6M 12.7 4.3 12.7 7.1
5. 10-11,9 MVND 287 38 19 32 25 13.2 6.6 11.1 8.7 6714.0M 827.1M 433.2M 694.7M 565.9M 12.3 6.5 10.3 8.4
6. 12-14,9 MVND 300 51 32 51 35 17.0 10.7 17.0 11.7 7335.4M 1,219.5M 762.6M 1,236.0M 830.5M 16.6 10.4 16.8 11.3
7. 15+ MVND 665 114 51 94 68 17.1 7.7 14.1 10.2 17718.7M 3,081.2M 1,482.9M 2,529.4M 1,874.3M 17.4 8.4 14.3 10.6
201902 1509 330 70 0 0 21.9 4.6 0.0 0.0 37215.3M 8,034.6M 1,704.7M 0.0M 0.0M 21.6 4.6 0.0 0.0
2. 4,5-5,9 MVND 4 1 0 0 0 25.0 0.0 0.0 0.0 69.8M 20.0M 0.0M 0.0M 0.0M 28.6 0.0 0.0 0.0
3. 6-7,9 MVND 85 18 3 0 0 21.2 3.5 0.0 0.0 1612.8M 335.5M 53.4M 0.0M 0.0M 20.8 3.3 0.0 0.0
4. 8-9,9 MVND 239 49 12 0 0 20.5 5.0 0.0 0.0 5364.0M 1,112.8M 310.6M 0.0M 0.0M 20.7 5.8 0.0 0.0
5. 10-11,9 MVND 239 49 12 0 0 20.5 5.0 0.0 0.0 5672.5M 1,161.0M 280.7M 0.0M 0.0M 20.5 4.9 0.0 0.0
6. 12-14,9 MVND 314 67 17 0 0 21.3 5.4 0.0 0.0 7668.5M 1,582.1M 397.0M 0.0M 0.0M 20.6 5.2 0.0 0.0
7. 15+ MVND 628 146 26 0 0 23.2 4.1 0.0 0.0 16827.6M 3,823.2M 663.0M 0.0M 0.0M 22.7 3.9 0.0 0.0
Total 4172 727 256 430 297 17.4 6.1 10.3 7.1 101309.8M 17,538.6M 6,173.5M 9,986.9M 6,968.7M 17.3 6.1 9.9 6.9
DAILY RISK INDICATORS - INCOME BAND
DAILY RISK INDICATORS BY INCOME BAND

Vintage #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd % #del15+ % #del30+ $total $fpd5 $spd $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl % $npl
daily daily mob3 mob3 daily daily mob3 daily mob3 daily amount daily daily mob3 mob3 daily daily mob3 mob3 cic
201811 211 7 7 7 7 3.3 3.3 3.3 3.3 5334.4M 146.3M 146.3M 146.3M 146.3M 167.0M 167.0M 2.7 2.7 2.7 2.7 3.5 3.5
2. 4,5-5,9 MVND 3 0 0 0 0 0.0 0.0 0.0 0.0 46.6M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
3. 6-7,9 MVND 14 1 1 1 1 7.1 7.1 7.1 7.1 293.4M 14.0M 14.0M 14.0M 14.0M 14.0M 14.0M 4.8 4.8 4.8 4.8 5.0 5.0
4. 8-9,9 MVND 46 2 2 2 2 4.3 4.3 4.3 4.3 1090.5M 45.2M 45.2M 45.2M 45.2M 65.9M 65.9M 4.1 4.1 4.1 4.1 6.4 6.4
5. 10-11,9 MVND 33 1 1 1 1 3.0 3.0 3.0 3.0 781.0M 25.0M 25.0M 25.0M 25.0M 25.0M 25.0M 3.2 3.2 3.2 3.2 3.6 3.6
6. 12-14,9 MVND 33 1 1 1 1 3.0 3.0 3.0 3.0 818.3M 15.9M 15.9M 15.9M 15.9M 15.9M 15.9M 1.9 1.9 1.9 1.9 2.2 2.2
7. 15+ MVND 82 2 2 2 2 2.4 2.4 2.4 2.4 2304.6M 46.2M 46.2M 46.2M 46.2M 46.2M 46.2M 2.0 2.0 2.0 2.0 2.3 2.3
201812 837 26 26 26 26 3.1 3.1 3.1 3.1 19354.7M 1,025.4M 1,025.4M 1,025.4M 1,025.4M 317.6M 342.6M 5.3 5.3 5.3 5.3 1.8 1.9
2. 4,5-5,9 MVND 7 0 0 0 0 0.0 0.0 0.0 0.0 106.6M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
3. 6-7,9 MVND 78 2 2 2 2 2.6 2.6 2.6 2.6 1345.8M 56.8M 56.8M 56.8M 56.8M 16.2M 16.2M 4.2 4.2 4.2 4.2 1.3 1.3
4. 8-9,9 MVND 161 7 7 7 7 4.3 4.3 4.3 4.3 3375.3M 301.0M 301.0M 301.0M 301.0M 123.0M 123.0M 8.9 8.9 8.9 8.9 3.9 3.9
5. 10-11,9 MVND 138 6 6 6 6 4.3 4.3 4.3 4.3 3041.3M 136.8M 136.8M 136.8M 136.8M 19.0M 44.0M 4.5 4.5 4.5 4.5 0.7 1.5
6. 12-14,9 MVND 144 3 3 3 3 2.1 2.1 2.1 2.1 3453.6M 111.9M 111.9M 111.9M 111.9M 45.4M 45.4M 3.2 3.2 3.2 3.2 1.4 1.4
7. 15+ MVND 307 7 7 7 7 2.3 2.3 2.3 2.3 7997.1M 398.9M 398.9M 398.9M 398.9M 114.0M 114.0M 5.0 5.0 5.0 5.0 1.6 1.6
8. No Info 2 1 1 1 1 50.0 50.0 50.0 50.0 35.0M 20.0M 20.0M 20.0M 20.0M 0.0M 0.0M 57.1 57.1 57.1 57.1 0.0 0.0
201901 1615 64 64 64 64 4.0 4.0 4.0 4.0 39405.5M 2,700.6M 2,717.6M 4,342.5M 3,581.2M 0.0M 30.1M 6.9 6.9 11.0 9.1 0.0 0.1
2. 4,5-5,9 MVND 9 0 0 0 0 0.0 0.0 0.0 0.0 145.9M 10.0M 10.0M 10.0M 10.0M 0.0M 0.0M 6.9 6.9 6.9 6.9 0.0 0.0
3. 6-7,9 MVND 112 5 5 5 5 4.5 4.5 4.5 4.5 2070.5M 191.3M 191.3M 280.6M 291.7M 0.0M 0.0M 9.2 9.2 13.6 14.1 0.0 0.0
4. 8-9,9 MVND 242 2 2 2 2 0.8 0.8 0.8 0.8 5421.0M 170.3M 187.3M 479.8M 353.4M 0.0M 30.1M 3.1 3.5 8.9 6.5 0.0 0.6
5. 10-11,9 MVND 287 8 8 8 8 2.8 2.8 2.8 2.8 6714.0M 345.4M 345.4M 527.3M 478.2M 0.0M 0.0M 5.1 5.1 7.9 7.1 0.0 0.0
6. 12-14,9 MVND 300 18 18 18 18 6.0 6.0 6.0 6.0 7335.4M 703.0M 703.0M 1,029.2M 795.0M 0.0M 0.0M 9.6 9.6 14.0 10.8 0.0 0.0
7. 15+ MVND 665 31 31 31 31 4.7 4.7 4.7 4.7 17718.7M 1,280.6M 1,280.6M 2,015.6M 1,652.9M 0.0M 0.0M 7.2 7.2 11.4 9.3 0.0 0.0
201902 1509 115 70 0 0 7.6 4.6 0.0 0.0 37215.3M 2,712.5M 1,635.3M 0.0M 0.0M 0.0M 9.8M 7.3 4.4 0.0 0.0 0.0 0.0
2. 4,5-5,9 MVND 4 0 0 0 0 0.0 0.0 0.0 0.0 69.8M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
3. 6-7,9 MVND 85 6 3 0 0 7.1 3.5 0.0 0.0 1612.8M 101.1M 53.4M 0.0M 0.0M 0.0M 0.0M 6.3 3.3 0.0 0.0 0.0 0.0
4. 8-9,9 MVND 239 19 12 0 0 7.9 5.0 0.0 0.0 5364.0M 442.2M 278.8M 0.0M 0.0M 0.0M 0.0M 8.2 5.2 0.0 0.0 0.0 0.0
5. 10-11,9 MVND 239 16 12 0 0 6.7 5.0 0.0 0.0 5672.5M 368.9M 280.7M 0.0M 0.0M 0.0M 0.0M 6.5 4.9 0.0 0.0 0.0 0.0
6. 12-14,9 MVND 314 30 17 0 0 9.6 5.4 0.0 0.0 7668.5M 701.0M 386.4M 0.0M 0.0M 0.0M 9.8M 9.1 5.0 0.0 0.0 0.0 0.1
7. 15+ MVND 628 44 26 0 0 7.0 4.1 0.0 0.0 16827.6M 1,099.2M 636.0M 0.0M 0.0M 0.0M 0.0M 6.5 3.8 0.0 0.0 0.0 0.0
PROFESSION & INCOME PROOF
Next page...
#APPLICATIONS BY PROFESSION & INCOME PROOF

income_proof N Y Total
Month #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval
Portfolio overall:

- The number of applicants didn't prove the income of a self-
October 2018
Employee 3,628 38.8% 6.7 5,713 61.2% 9.1 9,341 100.0% 8.2 employee and freelance is a very high proportion, at least in
Freelance 1,909 93.6% 7.1 130 6.4% 8.7 2,039 100.0% 7.2 October 2018: 80.2% didn't prove the income.
Retired 35 100.0% 0.0 35 100.0% 0.0
Self employee 1,768 80.2% 8.4 436 19.8% 10.5 2,204 100.0% 8.8
November 2018
Employee 5,521 49.0% 13.2 5,755 51.0% 13.8 11,276 100.0% 13.5
Freelance 3,283 96.3% 12.7 126 3.7% 14.8 3,409 100.0% 12.8
Retired 29 100.0% 8.7 29 100.0% 8.7
Self employee 2,986 89.6% 18.7 346 10.4% 19.1 3,332 100.0% 18.8 Risk indicators:
December 2018 - The risk indicators show that risk indicator of the self-
Employee 9,249 63.9% 13.5 5,214 36.1% 17.4 14,463 100.0% 14.9 employee didn't prove income to be higher than the
Freelance 4,523 97.7% 12.1 108 2.3% 15.4 4,631 100.0% 12.1
Retired 24 100.0% 0.0 24 100.0% 0.0
remaining groups.
Self employee 4,875 93.4% 17.8 343 6.6% 20.5 5,218 100.0% 18.0
January 2019
Employee 12,888 67.6% 11.1 6,187 32.4% 16.1 19,075 100.0% 12.7
Freelance 6,689 98.1% 6.6 133 1.9% 7.4 6,822 100.0% 6.6
Retired 24 100.0% 10.0 24 100.0% 10.0
Self employee 8,874 93.5% 9.8 621 6.5% 11.4 9,495 100.0% 9.9
February 2019
Employee 5,305 59.1% 6.0 3,667 40.9% 12.1 8,972 100.0% 8.5
Freelance 2,524 97.0% 0.3 79 3.0% 0.0 2,603 100.0% 0.3
Retired 13 100.0% 8.3 13 100.0% 8.3
Self employee 3,051 92.7% 0.6 242 7.3% 0.9 3,293 100.0% 0.6
March 2019
Employee 2,374 53.3% 3.6 2,080 46.7% 14.7 4,454 100.0% 8.8
Freelance 1,293 97.5% 0.2 33 2.5% 3.3 1,326 100.0% 0.2
Retired 7 100.0% 0.0 7 100.0% 0.0
Self employee 1,437 93.4% 1.3 102 6.6% 2.2 1,539 100.0% 1.3
RISK INDICATORS - PROFESSION & NO-INCOME PROOF
HISTORICAL RISK INDICATORS BY PROFESSION & NO-INCOME PROOF
Next page...
income_proof N
empl_type #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total $fpd5 his $spd his $del15+ $del30+ % $fpd5 % $spd % $del15+ % $del30+
his his mob3 his mob3 his his his mob3 his mob3 his amount mob3 outs his mob3 outs his his his mob3 his mob3 his

Employee 1458 243 80 132 94 16.7 5.5 9.1 6.4 30722.8M 5,324.4M 1,764.2M 2,761.4M 1,934.3M 17.3 5.7 9.0 6.3
201811 53 9 3 11 10 17.0 5.7 20.8 18.9 1004.0M 199.7M 60.2M 207.9M 182.8M 19.9 6.0 20.7 18.2
201812 269 37 16 56 37 13.8 5.9 20.8 13.8 5220.5M 793.4M 332.4M 1,155.2M 747.6M 15.2 6.4 22.1 14.3
201901 560 78 38 65 47 13.9 6.8 11.6 8.4 11981.4M 1,674.1M 848.9M 1,398.3M 1,003.8M 14.0 7.1 11.7 8.4
201902 576 119 23 0 0 20.7 4.0 0.0 0.0 12516.9M 2,657.3M 522.7M 0.0M 0.0M 21.2 4.2 0.0 0.0
Freelance 744 155 58 99 64 20.8 7.8 13.3 8.6 16241.5M 3,411.4M 1,204.0M 2,021.8M 1,275.4M 21.0 7.4 12.4 7.9
201811 39 4 2 7 5 10.3 5.1 17.9 12.8 800.5M 85.9M 39.9M 140.0M 95.3M 10.7 5.0 17.5 11.9
201812 154 27 13 40 26 17.5 8.4 26.0 16.9 3067.1M 544.9M 240.4M 754.0M 482.0M 17.8 7.8 24.6 15.7
201901 280 54 24 52 33 19.3 8.6 18.6 11.8 6128.6M 1,174.3M 500.4M 1,127.8M 698.1M 19.2 8.2 18.4 11.4
201902 271 70 19 0 0 25.8 7.0 0.0 0.0 6245.4M 1,606.3M 423.3M 0.0M 0.0M 25.7 6.8 0.0 0.0
Self employee 1182 245 89 135 97 20.7 7.5 11.4 8.2 27965.6M 5,945.0M 2,167.3M 3,124.9M 2,299.1M 21.3 7.7 11.2 8.2
201811 31 4 1 8 6 12.9 3.2 25.8 19.4 705.7M 89.5M 25.0M 177.7M 139.7M 12.7 3.5 25.2 19.8
201812 214 33 17 45 29 15.4 7.9 21.0 13.6 4860.0M 785.9M 393.8M 1,005.3M 661.3M 16.2 8.1 20.7 13.6
201901 491 95 50 82 62 19.3 10.2 16.7 12.6 11539.5M 2,286.6M 1,225.7M 1,941.9M 1,498.2M 19.8 10.6 16.8 13.0
201902 446 113 21 0 0 25.3 4.7 0.0 0.0 10860.5M 2,783.0M 522.8M 0.0M 0.0M 25.6 4.8 0.0 0.0
Total 3384 643 227 366 255 19.0 6.7 10.8 7.5 74930.0M 14,680.8M 5,135.4M 7,908.1M 5,508.8M 19.6 6.9 10.6 7.4
DAILY RISK INDICATORS BY PROFESSION & NO-INCOME PROOF
income_proof N
Vintage #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd % #del15+ % #del30+ $total $fpd5 daily $spd daily $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl % $npl
daily daily mob3 mob3 daily daily mob3 daily mob3 amount mob3 mob3 daily daily daily mob3 mob3 cic

201811 123 6 6 6 6 4.9 4.9 4.9 4.9 2510.2M 125.1M 125.1M 125.1M 125.1M 145.8M 145.8M 5.0 5.0 5.0 5.0 6.6 6.6
201812 637 21 21 21 21 3.3 3.3 3.3 3.3 13147.6M 821.6M 821.6M 821.6M 821.6M 196.2M 221.2M 6.2 6.2 6.2 6.2 1.6 1.8
201901 1331 57 57 57 57 4.3 4.3 4.3 4.3 29649.5M 2,230.4M 2,230.4M 3,588.5M 2,931.9M 0.0M 0.0M 7.5 7.5 12.1 9.9 0.0 0.0
Employee 560 17 17 17 17 3.0 3.0 3.0 3.0 11981.4M 759.0M 759.0M 1,163.4M 947.2M 0.0M 0.0M 6.3 6.3 9.7 7.9 0.0 0.0
Self employee 491 25 25 25 25 5.1 5.1 5.1 5.1 11539.5M 1,052.5M 1,052.5M 1,607.2M 1,373.8M 0.0M 0.0M 9.1 9.1 13.9 11.9 0.0 0.0
201902 1293 107 63 0 0 8.3 4.9 0.0 0.0 29622.7M 2,433.2M 1,431.2M 0.0M 0.0M 0.0M 9.8M 8.2 4.8 0.0 0.0 0.0 0.0
Self employee 446 41 21 0 0 9.2 4.7 0.0 0.0 10860.5M 1,002.3M 522.8M 0.0M 0.0M 0.0M 0.0M 9.2 4.8 0.0 0.0 0.0 0.0
HISTORICAL RISK INDICATORS BY PROFESSION & YES-INCOME PROOF
RISK INDICATORS - PROFESSION & YES-INCOME PROOF
income_proof Y
Vintage #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total $fpd5 his $spd his $del15+ $del30+ mob3 % $fpd5 % $spd % $del15+ % $del30+
his his mob3 his mob3 his his his mob3 his mob3 his amount mob3 outs his outs his his his mob3 his mob3 his

201811 88 9 1 9 5 10.2 1.1 10.2 5.7 2824.2M 246.9M 21.2M 239.5M 162.1M 8.7 0.8 8.5 5.7
Employee 80 8 1 8 5 10.0 1.3 10.0 6.3 2591.2M 216.9M 21.2M 219.9M 162.1M 8.4 0.8 8.5 6.3
Freelance 3 1 0 0 0 33.3 0.0 0.0 0.0 90.0M 30.0M 0.0M 0.0M 0.0M 33.3 0.0 0.0 0.0
Self employee 5 0 0 1 0 0.0 0.0 20.0 0.0 143.0M 0.0M 0.0M 19.6M 0.0M 0.0 0.0 13.7 0.0
201812 200 15 6 24 15 7.5 3.0 12.0 7.5 6207.1M 525.8M 233.0M 792.0M 539.9M 8.5 3.8 12.8 8.7
Employee 186 14 6 23 14 7.5 3.2 12.4 7.5 5817.7M 495.8M 233.0M 762.4M 510.3M 8.5 4.0 13.1 8.8
Freelance 2 0 0 0 0 0.0 0.0 0.0 0.0 44.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
Retired 2 0 0 0 0 0.0 0.0 0.0 0.0 51.8M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
201901 284 32 15 31 22 11.3 5.3 10.9 7.7 9756.0M 1,097.1M 548.0M 1,047.4M 758.0M 11.2 5.6 10.7 7.8
Employee 268 30 15 30 22 11.2 5.6 11.2 8.2 9284.6M 1,038.3M 548.0M 1,018.9M 758.0M 11.2 5.9 11.0 8.2
Freelance 5 1 0 1 0 20.0 0.0 20.0 0.0 151.2M 27.0M 0.0M 28.4M 0.0M 17.9 0.0 18.8 0.0
201902 216 28 7 0 0 13.0 3.2 0.0 0.0 7592.6M 988.0M 235.9M 0.0M 0.0M 13.0 3.1 0.0 0.0
Employee 209 27 7 0 0 12.9 3.3 0.0 0.0 7383.6M 958.0M 235.9M 0.0M 0.0M 13.0 3.2 0.0 0.0
Freelance 2 0 0 0 0 0.0 0.0 0.0 0.0 51.8M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
DAILY RISK INDICATORS BY PROFESSION & YES-INCOME PROOF

income_proof Y
daily daily mob3 mob3 daily daily mob3 mob3 amount daily daily mob3 mob3 daily daily mob3 daily mob3 daily cic

201811 88 1 1 1 1 1.1 1.1 1.1 1.1 2824.2M 21.2M 21.2M 21.2M 21.2M 21.2M 21.2M 0.8 0.8 0.8 0.8 0.8 0.8
201812 200 5 5 5 5 2.5 2.5 2.5 2.5 6207.1M 203.8M 203.8M 203.8M 203.8M 121.4M 121.4M 3.3 3.3 3.3 3.3 2.1 2.1
Retired 2 0 0 0 0 0.0 0.0 0.0 0.0 51.8M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
201901 284 7 7 7 7 2.5 2.5 2.5 2.5 9756.0M 470.2M 487.2M 754.0M 649.3M 0.0M 30.1M 4.8 5.0 7.7 6.7 0.0 0.3
201902 216 8 7 0 0 3.7 3.2 0.0 0.0 7592.6M 279.3M 204.1M 0.0M 0.0M 0.0M 0.0M 3.7 2.7 0.0 0.0 0.0 0.0
INCOME BAND & INCOME PROOF
Next page...
#APPLICATIONS BY INCOME BAND & INCOME PROOF
income_proof N Y
Month #incoming %incoming %approval #incoming %incoming %approval

November 2018 11,790 18.4% 14.5 6,256 29.6% 14.1 Portfolio overall:
1. <4,5 MVND 64 0.1% 0.0 42 0.2% 0.0 - The proportion of applicants does not prove the income but declaring
2. 4,5-5,9 MVND 179 0.3% 0.6 237 1.1% 9.1 income of 12 million+ was increased, especially in the group declaring
3. 6-7,9 MVND 1,327 2.1% 9.1 1,066 5.0% 13.8
4. 8-9,9 MVND 2,203 3.4% 14.8 1,282 6.1% 15.1
income of VND 15 million.
5. 10-11,9 MVND 1,886 2.9% 15.2 880 4.2% 18.9
6. 12-14,9 MVND 1,630 2.5% 19.0 641 3.0% 17.8 - The rate of approval was increased with high income, this is the same
7. 15+ MVND 2,847 4.4% 22.1 1,090 5.2% 20.1
if customers can prove their income
8. No Info 1,654 2.6% 0.1 1,018 4.8% 0.0
December 2018 18,647 29.1% 14.3 5,689 26.9% 17.5
1. <4,5 MVND 50 0.1% 0.0 20 0.1% 0.0
2. 4,5-5,9 MVND 187 0.3% 1.6 158 0.7% 18.5
3. 6-7,9 MVND 1,453 2.3% 10.7 839 4.0% 17.8
4. 8-9,9 MVND 2,975 4.6% 14.2 1,026 4.9% 21.1
5. 10-11,9 MVND 2,670 4.2% 17.2 737 3.5% 20.1
6. 12-14,9 MVND 2,672 4.2% 20.0 647 3.1% 23.8 Risk indicators:
7. 15+ MVND 4,537 7.1% 22.6 1,079 5.1% 25.7 - The risk indicators clearly indicated the tendency to focus on the group
8. No Info 4,103 6.4% 0.0 1,183 5.6% 0.0
January 2019 28,451 44.5% 9.6 6,965 33.0% 15.5
of people who couldn't prove their income. Especially when the lower
1. <4,5 MVND 80 0.1% 0.0 25 0.1% 0.0 income, the higher risk
2. 4,5-5,9 MVND 253 0.4% 0.8 166 0.8% 15.7
3. 6-7,9 MVND 1,918 3.0% 8.3 813 3.8% 14.2
4. 8-9,9 MVND 3,921 6.1% 11.5 1,153 5.5% 20.7
5. 10-11,9 MVND 3,797 5.9% 12.2 837 4.0% 22.3
6. 12-14,9 MVND 3,953 6.2% 14.0 725 3.4% 24.4
7. 15+ MVND 6,854 10.7% 14.8 1,391 6.6% 21.8
8. No Info 7,675 12.0% 0.0 1,855 8.8% 0.0
March 2019 5,104 8.0% 2.0 2,222 10.5% 13.9
1. <4,5 MVND 9 0.0% 0.0 10 0.0% 0.0
2. 4,5-5,9 MVND 74 0.1% 1.5 51 0.2% 12.2
3. 6-7,9 MVND 393 0.6% 1.9 214 1.0% 20.0
4. 8-9,9 MVND 618 1.0% 3.5 283 1.3% 22.3
5. 10-11,9 MVND 571 0.9% 3.8 230 1.1% 20.7
6. 12-14,9 MVND 473 0.7% 2.8 190 0.9% 27.8
7. 15+ MVND 794 1.2% 4.1 319 1.5% 25.3
8. No Info 2,172 3.4% 0.0 925 4.4% 0.0
Total 63,992 100.0% 11.3 21,132 100.0% 15.4
INCOME BAND & NO-INCOME PROOF
Next page...
HISTORICAL RISK INDICATORS BY INCOME BAND & NO-INCOME PROOF

income_proof N
Vintage #Contract #fpd5 his #spd his #del15+ #del30+ % #fpd5 % #spd %#del15+ %#del30+ $total amount $fpd5 his $spd his $del15+ mob3 $del30+ mob3 % $fpd5 % $spd % $del15+ % $del30+
mob3 his mob3 his his his mob3 his mob3 his outs his outs his his his mob3 his mob3 his

201811 123 17 6 26 21 13.8 4.9 21.1 17.1 2510.2M 375.1M 125.1M 525.6M 417.8M 14.9 5.0 20.9 16.6
2. 4,5-5,9 MVND 1 0 0 0 0 0.0 0.0 0.0 0.0 10.6M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
3. 6-7,9 MVND 6 2 1 3 3 33.3 16.7 50.0 50.0 81.6M 30.0M 14.0M 44.7M 44.7M 36.8 17.2 54.8 54.8
4. 8-9,9 MVND 25 4 2 6 5 16.0 8.0 24.0 20.0 489.3M 92.2M 45.2M 127.5M 102.6M 18.8 9.2 26.0 21.0
5. 10-11,9 MVND 19 2 1 4 4 10.5 5.3 21.1 21.1 353.0M 46.0M 25.0M 75.4M 74.6M 13.0 7.1 21.4 21.1
6. 12-14,9 MVND 18 3 1 4 2 16.7 5.6 22.2 11.1 357.1M 53.9M 15.9M 73.4M 36.7M 15.1 4.5 20.6 10.3
7. 15+ MVND 54 6 1 9 7 11.1 1.9 16.7 13.0 1218.6M 153.0M 25.0M 204.6M 159.3M 12.6 2.1 16.8 13.1
201812 637 97 46 141 92 15.2 7.2 22.1 14.4 13147.6M 2,124.2M 966.6M 2,914.6M 1,890.9M 16.2 7.4 22.2 14.4
3. 6-7,9 MVND 47 4 4 7 5 8.5 8.5 14.9 10.6 658.0M 56.8M 56.8M 96.6M 67.4M 8.6 8.6 14.7 10.2
4. 8-9,9 MVND 113 26 10 30 24 23.0 8.8 26.5 21.2 2075.3M 522.0M 189.6M 591.3M 476.3M 25.2 9.1 28.5 23.0
5. 10-11,9 MVND 109 15 8 23 16 13.8 7.3 21.1 14.7 2159.8M 306.5M 157.8M 451.3M 309.5M 14.2 7.3 20.9 14.3
6. 12-14,9 MVND 116 21 8 29 17 18.1 6.9 25.0 14.7 2416.3M 495.4M 185.9M 602.4M 340.5M 20.5 7.7 24.9 14.1
7. 15+ MVND 250 30 15 51 29 12.0 6.0 20.4 11.6 5803.2M 723.5M 356.5M 1,153.0M 677.2M 12.5 6.1 19.9 11.7
8. No Info 2 1 1 1 1 50.0 50.0 50.0 50.0 35.0M 20.0M 20.0M 20.0M 20.0M 57.1 57.1 57.1 57.1
201901 1331 227 112 199 142 17.1 8.4 15.0 10.7 29649.5M 5,135.0M 2,574.9M 4,467.9M 3,200.0M 17.3 8.7 15.1 10.8
2. 4,5-5,9 MVND 1 0 0 0 0 0.0 0.0 0.0 0.0 11.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0
3. 6-7,9 MVND 74 17 12 17 15 23.0 16.2 23.0 20.3 1209.3M 283.3M 189.3M 277.7M 240.6M 23.4 15.6 23.0 19.9
4. 8-9,9 MVND 187 28 8 24 13 15.0 4.3 12.8 7.0 3778.0M 551.5M 163.3M 488.5M 263.7M 14.6 4.3 12.9 7.0
5. 10-11,9 MVND 244 35 19 29 22 14.3 7.8 11.9 9.0 5156.8M 746.3M 433.2M 611.4M 482.7M 14.5 8.4 11.9 9.4
6. 12-14,9 MVND 260 47 30 46 33 18.1 11.5 17.7 12.7 5893.3M 1,060.5M 693.6M 1,061.2M 761.5M 18.0 11.8 18.0 12.9
7. 15+ MVND 565 100 43 83 59 17.7 7.6 14.7 10.4 13601.2M 2,493.4M 1,095.7M 2,029.1M 1,451.5M 18.3 8.1 14.9 10.7
201902 1293 302 63 0 0 23.4 4.9 0.0 0.0 29622.7M 7,046.6M 1,468.8M 0.0M 0.0M 23.8 5.0 0.0 0.0
3. 6-7,9 MVND 65 16 3 0 0 24.6 4.6 0.0 0.0 1062.1M 294.5M 53.4M 0.0M 0.0M 27.7 5.0 0.0 0.0
4. 8-9,9 MVND 191 41 8 0 0 21.5 4.2 0.0 0.0 3999.6M 907.0M 179.9M 0.0M 0.0M 22.7 4.5 0.0 0.0
5. 10-11,9 MVND 199 45 10 0 0 22.6 5.0 0.0 0.0 4323.0M 988.6M 229.5M 0.0M 0.0M 22.9 5.3 0.0 0.0
6. 12-14,9 MVND 282 62 17 0 0 22.0 6.0 0.0 0.0 6480.6M 1,395.6M 397.0M 0.0M 0.0M 21.5 6.1 0.0 0.0
7. 15+ MVND 556 138 25 0 0 24.8 4.5 0.0 0.0 13757.4M 3,460.9M 609.0M 0.0M 0.0M 25.2 4.4 0.0 0.0
Total 3384 643 227 366 255 19.0 6.7 10.8 7.5 74930.0M 14,680.8M 5,135.4M 7,908.1M 5,508.8M 19.6 6.9 10.6 7.4
INCOME BAND & NO-INCOME PROOF
Next page...
DAILY RISK INDICATORS BY INCOME BAND & NO-INCOME PROOF

income_proof N
Vintage #Contract #fpd5 #spd #del15+ #del30 % #fpd5 % #spd % #del15+ % #del30+ $total $fpd5 $spd daily $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl % $npl
daily daily mob3 + mob3 daily daily mob3 mob3 amount daily mob3 mob3 daily daily mob3 mob3 cic
daily daily daily daily daily daily daily daily

201811 123 6 6 6 6 4.9 4.9 4.9 4.9 2510.2M 125.1M 125.1M 125.1M 125.1M 145.8M 145.8M 5.0 5.0 5.0 5.0 6.6 6.6
2. 4,5-5,9 MVND 1 0 0 0 0 0.0 0.0 0.0 0.0 10.6M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
3. 6-7,9 MVND 6 1 1 1 1 16.7 16.7 16.7 16.7 81.6M 14.0M 14.0M 14.0M 14.0M 14.0M 14.0M 17.2 17.2 17.2 17.2 18.0 18.0
4. 8-9,9 MVND 25 2 2 2 2 8.0 8.0 8.0 8.0 489.3M 45.2M 45.2M 45.2M 45.2M 65.9M 65.9M 9.2 9.2 9.2 9.2 14.2 14.2
5. 10-11,9 MVND 19 1 1 1 1 5.3 5.3 5.3 5.3 353.0M 25.0M 25.0M 25.0M 25.0M 25.0M 25.0M 7.1 7.1 7.1 7.1 8.7 8.7
6. 12-14,9 MVND 18 1 1 1 1 5.6 5.6 5.6 5.6 357.1M 15.9M 15.9M 15.9M 15.9M 15.9M 15.9M 4.5 4.5 4.5 4.5 5.5 5.5
7. 15+ MVND 54 1 1 1 1 1.9 1.9 1.9 1.9 1218.6M 25.0M 25.0M 25.0M 25.0M 25.0M 25.0M 2.1 2.1 2.1 2.1 2.3 2.3
201812 637 21 21 21 21 3.3 3.3 3.3 3.3 13147.6M 821.6M 821.6M 821.6M 821.6M 196.2M 221.2M 6.2 6.2 6.2 6.2 1.6 1.8
3. 6-7,9 MVND 47 2 2 2 2 4.3 4.3 4.3 4.3 658.0M 56.8M 56.8M 56.8M 56.8M 16.2M 16.2M 8.6 8.6 8.6 8.6 2.6 2.6
4. 8-9,9 MVND 113 5 5 5 5 4.4 4.4 4.4 4.4 2075.3M 189.6M 189.6M 189.6M 189.6M 44.0M 44.0M 9.1 9.1 9.1 9.1 2.3 2.3
5. 10-11,9 MVND 109 5 5 5 5 4.6 4.6 4.6 4.6 2159.8M 136.8M 136.8M 136.8M 136.8M 19.0M 44.0M 6.3 6.3 6.3 6.3 0.9 2.2
6. 12-14,9 MVND 116 3 3 3 3 2.6 2.6 2.6 2.6 2416.3M 111.9M 111.9M 111.9M 111.9M 45.4M 45.4M 4.6 4.6 4.6 4.6 2.0 2.0
7. 15+ MVND 250 5 5 5 5 2.0 2.0 2.0 2.0 5803.2M 306.5M 306.5M 306.5M 306.5M 71.6M 71.6M 5.3 5.3 5.3 5.3 1.3 1.3
8. No Info 2 1 1 1 1 50.0 50.0 50.0 50.0 35.0M 20.0M 20.0M 20.0M 20.0M 0.0M 0.0M 57.1 57.1 57.1 57.1 0.0 0.0
201901 1331 57 57 57 57 4.3 4.3 4.3 4.3 29649.5M 2,230.4M 2,230.4M 3,588.5M 2,931.9M 0.0M 0.0M 7.5 7.5 12.1 9.9 0.0 0.0
2. 4,5-5,9 MVND 1 0 0 0 0 0.0 0.0 0.0 0.0 11.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
3. 6-7,9 MVND 74 5 5 5 5 6.8 6.8 6.8 6.8 1209.3M 179.3M 179.3M 242.8M 240.6M 0.0M 0.0M 14.8 14.8 20.1 19.9 0.0 0.0
4. 8-9,9 MVND 187 2 2 2 2 1.1 1.1 1.1 1.1 3778.0M 128.3M 128.3M 342.3M 242.3M 0.0M 0.0M 3.4 3.4 9.1 6.4 0.0 0.0
5. 10-11,9 MVND 244 8 8 8 8 3.3 3.3 3.3 3.3 5156.8M 345.4M 345.4M 518.2M 444.3M 0.0M 0.0M 6.7 6.7 10.0 8.6 0.0 0.0
6. 12-14,9 MVND 260 17 17 17 17 6.5 6.5 6.5 6.5 5893.3M 634.0M 634.0M 884.6M 726.0M 0.0M 0.0M 10.8 10.8 15.0 12.3 0.0 0.0
7. 15+ MVND 565 25 25 25 25 4.4 4.4 4.4 4.4 13601.2M 943.4M 943.4M 1,600.7M 1,278.7M 0.0M 0.0M 6.9 6.9 11.8 9.4 0.0 0.0
201902 1293 107 63 0 0 8.3 4.9 0.0 0.0 29622.7M 2,433.2M 1,431.2M 0.0M 0.0M 0.0M 9.8M 8.2 4.8 0.0 0.0 0.0 0.0
3. 6-7,9 MVND 65 6 3 0 0 9.2 4.6 0.0 0.0 1062.1M 101.1M 53.4M 0.0M 0.0M 0.0M 0.0M 9.5 5.0 0.0 0.0 0.0 0.0
4. 8-9,9 MVND 191 15 8 0 0 7.9 4.2 0.0 0.0 3999.6M 343.3M 179.9M 0.0M 0.0M 0.0M 0.0M 8.6 4.5 0.0 0.0 0.0 0.0
5. 10-11,9 MVND 199 14 10 0 0 7.0 5.0 0.0 0.0 4323.0M 296.5M 229.5M 0.0M 0.0M 0.0M 0.0M 6.9 5.3 0.0 0.0 0.0 0.0
6. 12-14,9 MVND 282 29 17 0 0 10.3 6.0 0.0 0.0 6480.6M 647.0M 386.4M 0.0M 0.0M 0.0M 9.8M 10.0 6.0 0.0 0.0 0.0 0.2
7. 15+ MVND 556 43 25 0 0 7.7 4.5 0.0 0.0 13757.4M 1,045.2M 582.0M 0.0M 0.0M 0.0M 0.0M 7.6 4.2 0.0 0.0 0.0 0.0
INCOME BAND & YES-INCOME PROOF
Next page...
HISTORICAL RISK INDICATORS BY INCOME BAND & YES-INCOME PROOF

income_proof Y
Vintage #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 his % #spd his %#del15+ %#del30+ $total amount $fpd5 his $spd his $del15+ $del30+ % $fpd5 % $spd % $del15+ % $del30+
his his mob3 his mob3 his mob3 his mob3 his mob3 outs his mob3 outs his his his mob3 his mob3 his

201811 88 9 1 9 5 10.2 1.1 10.2 5.7 2824.2M 246.9M 21.2M 239.5M 162.1M 8.7 0.8 8.5 5.7
2. 4,5-5,9 MVND 2 1 0 0 0 50.0 0.0 0.0 0.0 36.0M 17.0M 0.0M 0.0M 0.0M 47.2 0.0 0.0 0.0
3. 6-7,9 MVND 8 0 0 1 0 0.0 0.0 12.5 0.0 211.8M 0.0M 0.0M 15.8M 0.0M 0.0 0.0 7.5 0.0
4. 8-9,9 MVND 21 4 0 3 2 19.0 0.0 14.3 9.5 601.2M 92.7M 0.0M 59.7M 38.6M 15.4 0.0 9.9 6.4
5. 10-11,9 MVND 14 0 0 1 0 0.0 0.0 7.1 0.0 428.0M 0.0M 0.0M 20.9M 0.0M 0.0 0.0 4.9 0.0
6. 12-14,9 MVND 15 1 0 0 0 6.7 0.0 0.0 0.0 461.2M 36.0M 0.0M 0.0M 0.0M 7.8 0.0 0.0 0.0
7. 15+ MVND 28 3 1 4 3 10.7 3.6 14.3 10.7 1086.0M 101.2M 21.2M 143.1M 123.5M 9.3 2.0 13.2 11.4
201812 200 15 6 24 15 7.5 3.0 12.0 7.5 6207.1M 525.8M 233.0M 792.0M 539.9M 8.5 3.8 12.8 8.7
2. 4,5-5,9 MVND 7 0 0 1 0 0.0 0.0 14.3 0.0 106.6M 0.0M 0.0M 24.6M 0.0M 0.0 0.0 23.1 0.0
3. 6-7,9 MVND 31 3 0 4 3 9.7 0.0 12.9 9.7 687.8M 99.0M 0.0M 144.1M 104.2M 14.4 0.0 20.9 15.1
4. 8-9,9 MVND 48 5 3 8 5 10.4 6.3 16.7 10.4 1300.0M 165.6M 111.4M 233.4M 163.2M 12.7 8.6 18.0 12.6
5. 10-11,9 MVND 29 1 1 5 3 3.4 3.4 17.2 10.3 881.5M 30.0M 29.2M 178.5M 112.8M 3.4 3.3 20.3 12.8
6. 12-14,9 MVND 28 1 0 2 0 3.6 0.0 7.1 0.0 1037.3M 31.8M 0.0M 50.4M 0.0M 3.1 0.0 4.9 0.0
7. 15+ MVND 57 5 2 4 4 8.8 3.5 7.0 7.0 2193.9M 199.4M 92.4M 160.8M 159.7M 9.1 4.2 7.3 7.3
201901 284 32 15 31 22 11.3 5.3 10.9 7.7 9756.0M 1,097.1M 548.0M 1,047.4M 758.0M 11.2 5.6 10.7 7.8
2. 4,5-5,9 MVND 8 1 1 1 1 12.5 12.5 12.5 12.5 134.9M 10.0M 10.0M 10.0M 10.0M 7.4 7.4 7.4 7.4
3. 6-7,9 MVND 38 5 1 4 3 13.2 2.6 10.5 7.9 861.2M 123.1M 12.0M 78.3M 51.1M 14.3 1.4 9.1 5.9
4. 8-9,9 MVND 55 5 3 7 4 9.1 5.5 12.7 7.3 1643.0M 136.4M 69.8M 200.8M 121.8M 8.3 4.2 12.2 7.4
5. 10-11,9 MVND 43 3 0 3 3 7.0 0.0 7.0 7.0 1557.3M 80.8M 0.0M 83.3M 83.2M 5.2 0.0 5.3 5.3
6. 12-14,9 MVND 40 4 2 5 2 10.0 5.0 12.5 5.0 1442.1M 159.0M 69.0M 174.7M 69.0M 11.0 4.8 12.1 4.8
7. 15+ MVND 100 14 8 11 9 14.0 8.0 11.0 9.0 4117.5M 587.8M 387.2M 500.3M 422.9M 14.3 9.4 12.2 10.3
201902 216 28 7 0 0 13.0 3.2 0.0 0.0 7592.6M 988.0M 235.9M 0.0M 0.0M 13.0 3.1 0.0 0.0
2. 4,5-5,9 MVND 4 1 0 0 0 25.0 0.0 0.0 0.0 69.8M 20.0M 0.0M 0.0M 0.0M 28.6 0.0 0.0 0.0
3. 6-7,9 MVND 20 2 0 0 0 10.0 0.0 0.0 0.0 550.7M 41.0M 0.0M 0.0M 0.0M 7.4 0.0 0.0 0.0
4. 8-9,9 MVND 48 8 4 0 0 16.7 8.3 0.0 0.0 1364.4M 205.8M 130.7M 0.0M 0.0M 15.1 9.6 0.0 0.0
5. 10-11,9 MVND 40 4 2 0 0 10.0 5.0 0.0 0.0 1349.5M 172.4M 51.2M 0.0M 0.0M 12.8 3.8 0.0 0.0
6. 12-14,9 MVND 32 5 0 0 0 15.6 0.0 0.0 0.0 1187.8M 186.5M 0.0M 0.0M 0.0M 15.7 0.0 0.0 0.0
7. 15+ MVND 72 8 1 0 0 11.1 1.4 0.0 0.0 3070.3M 362.3M 54.0M 0.0M 0.0M 11.8 1.8 0.0 0.0
Total 788 84 29 64 42 10.7 3.7 8.1 5.3 26379.8M 2,857.8M 1,038.1M 2,078.8M 1,459.9M 10.8 3.9 7.9 5.5
INCOME BAND & YES-INCOME PROOF
DAILY RISK INDICATORS BY INCOME BAND & YES-INCOME PROOF

income_proof Y
daily daily mob3 mob3 daily daily mob3 daily mob3 daily amount daily daily mob3 mob3 daily daily mob3 mob3 cic

201811 88 1 1 1 1 1.1 1.1 1.1 1.1 2824.2M 21.2M 21.2M 21.2M 21.2M 21.2M 21.2M 0.8 0.8 0.8 0.8 0.8 0.8
2. 4,5-5,9 MVND 2 0 0 0 0 0.0 0.0 0.0 0.0 36.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
3. 6-7,9 MVND 8 0 0 0 0 0.0 0.0 0.0 0.0 211.8M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
4. 8-9,9 MVND 21 0 0 0 0 0.0 0.0 0.0 0.0 601.2M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
5. 10-11,9 MVND 14 0 0 0 0 0.0 0.0 0.0 0.0 428.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
6. 12-14,9 MVND 15 0 0 0 0 0.0 0.0 0.0 0.0 461.2M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
7. 15+ MVND 28 1 1 1 1 3.6 3.6 3.6 3.6 1086.0M 21.2M 21.2M 21.2M 21.2M 21.2M 21.2M 2.0 2.0 2.0 2.0 2.2 2.2
201812 200 5 5 5 5 2.5 2.5 2.5 2.5 6207.1M 203.8M 203.8M 203.8M 203.8M 121.4M 121.4M 3.3 3.3 3.3 3.3 2.1 2.1
2. 4,5-5,9 MVND 7 0 0 0 0 0.0 0.0 0.0 0.0 106.6M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
3. 6-7,9 MVND 31 0 0 0 0 0.0 0.0 0.0 0.0 687.8M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
4. 8-9,9 MVND 48 2 2 2 2 4.2 4.2 4.2 4.2 1300.0M 111.4M 111.4M 111.4M 111.4M 79.0M 79.0M 8.6 8.6 8.6 8.6 6.4 6.4
5. 10-11,9 MVND 29 1 1 1 1 3.4 3.4 3.4 3.4 881.5M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
6. 12-14,9 MVND 28 0 0 0 0 0.0 0.0 0.0 0.0 1037.3M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
7. 15+ MVND 57 2 2 2 2 3.5 3.5 3.5 3.5 2193.9M 92.4M 92.4M 92.4M 92.4M 42.4M 42.4M 4.2 4.2 4.2 4.2 2.1 2.1
201901 284 7 7 7 7 2.5 2.5 2.5 2.5 9756.0M 470.2M 487.2M 754.0M 649.3M 0.0M 30.1M 4.8 5.0 7.7 6.7 0.0 0.3
2. 4,5-5,9 MVND 8 0 0 0 0 0.0 0.0 0.0 0.0 134.9M 10.0M 10.0M 10.0M 10.0M 0.0M 0.0M 7.4 7.4 7.4 7.4 0.0 0.0
3. 6-7,9 MVND 38 0 0 0 0 0.0 0.0 0.0 0.0 861.2M 12.0M 12.0M 37.8M 51.1M 0.0M 0.0M 1.4 1.4 4.4 5.9 0.0 0.0
4. 8-9,9 MVND 55 0 0 0 0 0.0 0.0 0.0 0.0 1643.0M 42.0M 59.0M 137.5M 111.0M 0.0M 30.1M 2.6 3.6 8.4 6.8 0.0 1.9
5. 10-11,9 MVND 43 0 0 0 0 0.0 0.0 0.0 0.0 1557.3M 0.0M 0.0M 9.2M 33.9M 0.0M 0.0M 0.0 0.0 0.6 2.2 0.0 0.0
6. 12-14,9 MVND 40 1 1 1 1 2.5 2.5 2.5 2.5 1442.1M 69.0M 69.0M 144.6M 69.0M 0.0M 0.0M 4.8 4.8 10.0 4.8 0.0 0.0
7. 15+ MVND 100 6 6 6 6 6.0 6.0 6.0 6.0 4117.5M 337.2M 337.2M 415.0M 374.2M 0.0M 0.0M 8.2 8.2 10.1 9.1 0.0 0.0
201902 216 8 7 0 0 3.7 3.2 0.0 0.0 7592.6M 279.3M 204.1M 0.0M 0.0M 0.0M 0.0M 3.7 2.7 0.0 0.0 0.0 0.0
2. 4,5-5,9 MVND 4 0 0 0 0 0.0 0.0 0.0 0.0 69.8M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
3. 6-7,9 MVND 20 0 0 0 0 0.0 0.0 0.0 0.0 550.7M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
4. 8-9,9 MVND 48 4 4 0 0 8.3 8.3 0.0 0.0 1364.4M 98.9M 98.9M 0.0M 0.0M 0.0M 0.0M 7.2 7.2 0.0 0.0 0.0 0.0
5. 10-11,9 MVND 40 2 2 0 0 5.0 5.0 0.0 0.0 1349.5M 72.4M 51.2M 0.0M 0.0M 0.0M 0.0M 5.4 3.8 0.0 0.0 0.0 0.0
6. 12-14,9 MVND 32 1 0 0 0 3.1 0.0 0.0 0.0 1187.8M 54.0M 0.0M 0.0M 0.0M 0.0M 0.0M 4.5 0.0 0.0 0.0 0.0 0.0
7. 15+ MVND 72 1 1 0 0 1.4 1.4 0.0 0.0 3070.3M 54.0M 54.0M 0.0M 0.0M 0.0M 0.0M 1.8 1.8 0.0 0.0 0.0 0.0
LOAN PURPOSES
LOAN PURPOSES
Portfolio overall: Expenses for home renovation 14.0%
Next page...
- Most of the applicants applied for expenses for vehicles, household items and
appliances
Risk indicators:
- The risk indicators do not clearly show the tendency to focus on the group
No Info 28.3%
using loans for expenses for vehicles, household items and appliances.
Expenses for vehicles, household items and appliances

55.7%
#APPLICATION BY LOAN PURPOSES
Month November 2018 December 2018 January 2019 February 2019 March 2019
loan_purposes #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval #incoming %incoming %approval

Expenses for education, health care, travel, culture, physical training, 442 2.4% 10.5 405 1.7% 15.2 494 1.4% 14.2 283 1.9% 7.1 155 2.1% 7.2
sports
Expenses for home renovation 3,232 17.9% 17.3 3,841 15.8% 21.0 4,415 12.5% 15.1 1,336 9.0% 8.6 804 11.0% 11.6
Expenses for vehicles, household items and appliances 11,361 63.0% 16.9 14,402 59.2% 18.7 20,440 57.7% 14.3 6,271 42.1% 9.7 3,092 42.2% 8.9
No Info 3,011 16.7% 0.0 5,688 23.4% 0.0 10,067 28.4% 0.0 6,991 47.0% 0.0 3,275 44.7% 0.0
Total 18,046 100.0% 14.3 24,336 100.0% 15.0 35,416 100.0% 10.8 14,881 100.0% 5.3 7,326 100.0% 5.6
HISTORICAL RISK INDICATORS BY INCOME BAND & NO-INCOME PROOF

Vintage #Contract #fpd5 #spd #del15+ #del30+ % % % % $total $fpd5 his $spd his $del15+ $del30+ % % % %
his his mob3 mob3 #fpd5 #spd #del15+ #del30+ amount mob3 mob3 outs $fpd5 $spd $del15+ $del30+
his his his his mob3 mob3 outs his his his his mob3 mob3
his his his his
201811 123 17 6 26 21 13.8 4.9 21.1 17.1 2510.2M 375.1M 125.1M 525.6M 417.8M 14.9 5.0 20.9 16.6
Expenses for education, health care, travel, culture, physical training, sports 7 1 0 0 0 14.3 0.0 0.0 0.0 142.7M 26.5M 0.0M 0.0M 0.0M 18.6 0.0 0.0 0.0
Expenses for home renovation 18 1 0 2 1 5.6 0.0 11.1 5.6 358.6M 22.0M 0.0M 44.6M 24.5M 6.1 0.0 12.4 6.8
Expenses for vehicles, household items and appliances 98 15 6 24 20 15.3 6.1 24.5 20.4 2008.9M 326.6M 125.1M 481.0M 393.4M 16.3 6.2 23.9 19.6
201812 637 97 46 141 92 15.2 7.2 22.1 14.4 13147.6M 2,124.2M 966.6M 2,914.6M 1,890.9M 16.2 7.4 22.2 14.4
Expenses for home renovation 132 19 9 30 20 14.4 6.8 22.7 15.2 2866.6M 425.9M 192.0M 649.3M 436.0M 14.9 6.7 22.7 15.2
Expenses for vehicles, household items and appliances 499 77 37 110 71 15.4 7.4 22.0 14.2 10185.0M 1,678.3M 774.6M 2,245.7M 1,435.5M 16.5 7.6 22.0 14.1
201901 1331 227 112 199 142 17.1 8.4 15.0 10.7 29649.5M 5,135.0M 2,574.9M 4,467.9M 3,200.0M 17.3 8.7 15.1 10.8
Expenses for home renovation 326 56 24 43 27 17.2 7.4 13.2 8.3 7585.8M 1,274.7M 543.1M 955.6M 590.1M 16.8 7.2 12.6 7.8
Expenses for vehicles, household items and appliances 995 170 87 153 113 17.1 8.7 15.4 11.4 21867.5M 3,850.3M 2,021.9M 3,467.7M 2,589.1M 17.6 9.2 15.9 11.8
201902 1293 302 63 0 0 23.4 4.9 0.0 0.0 29622.7M 7,046.6M 1,468.8M 0.0M 0.0M 23.8 5.0 0.0 0.0
Expenses for home renovation 240 51 6 0 0 21.3 2.5 0.0 0.0 5760.9M 1,258.4M 147.5M 0.0M 0.0M 21.8 2.6 0.0 0.0
Expenses for vehicles, household items and appliances 1031 243 57 0 0 23.6 5.5 0.0 0.0 23358.4M 5,599.2M 1,321.3M 0.0M 0.0M 24.0 5.7 0.0 0.0
DAILY RISK INDICATORS - LOAN PURPOSES
DAILY RISK INDICATORS BY LOAN PURPOSES
Vintage #Contract #fpd5 #spd #del15+ #del30+ % #fpd5 % #spd % #del15+ % #del30+
daily daily mob3 daily mob3 daily daily daily mob3 daily mob3 daily
201811 211 7 7 7 7 3.3 3.3 3.3 3.3

Expenses for education, health care, travel, culture, physical training, sports 9 0 0 0 0 0.0 0.0 0.0 0.0
Expenses for home renovation 42 0 0 0 0 0.0 0.0 0.0 0.0
Expenses for vehicles, household items and appliances 160 7 7 7 7 4.4 4.4 4.4 4.4
201812 837 26 26 26 26 3.1 3.1 3.1 3.1
201901 1615 64 64 64 64 4.0 4.0 4.0 4.0
201902 1509 115 70 0 0 7.6 4.6 0.0 0.0
DAILY RISK INDICATORS BY LOAN PURPOSES

Vintage $total $fpd5 daily $spd daily $del15+ $del30+ $npl $npl cic % $fpd5 % $spd % $del15+ % $del30+ % $npl % $npl cic
amount mob3 daily mob3 daily daily daily mob3 daily mob3 daily
201811 5334.4M 146.3M 146.3M 146.3M 146.3M 167.0M 167.0M 2.7 2.7 2.7 2.7 3.5 3.5
Expenses for education, health care, travel, culture, physical training, sports 206.5M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
Expenses for home renovation 1144.9M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0M 0.0 0.0 0.0 0.0 0.0 0.0
Expenses for vehicles, household items and appliances 3983.0M 146.3M 146.3M 146.3M 146.3M 167.0M 167.0M 3.7 3.7 3.7 3.7 4.6 4.6
201812 19354.7M 1,025.4M 1,025.4M 1,025.4M 1,025.4M 317.6M 342.6M 5.3 5.3 5.3 5.3 1.8 1.9
Expenses for vehicles, household items and appliances 14530.3M 824.4M 824.4M 824.4M 824.4M 215.2M 240.2M 5.7 5.7 5.7 5.7 1.6 1.8
201901 39405.5M 2,700.6M 2,717.6M 4,342.5M 3,581.2M 0.0M 30.1M 6.9 6.9 11.0 9.1 0.0 0.1
Expenses for home renovation 10822.9M 606.8M 606.8M 1,079.7M 753.3M 0.0M 0.0M 5.6 5.6 10.0 7.0 0.0 0.0
Expenses for vehicles, household items and appliances 27993.9M 2,073.8M 2,090.8M 3,218.9M 2,807.8M 0.0M 30.1M 7.4 7.5 11.5 10.0 0.0 0.1
201902 37215.3M 2,712.5M 1,635.3M 0.0M 0.0M 0.0M 9.8M 7.3 4.4 0.0 0.0 0.0 0.0
Expenses for vehicles, household items and appliances 29107.8M 2,328.0M 1,388.9M 0.0M 0.0M 0.0M 9.8M 8.0 4.8 0.0 0.0 0.0 0.0

Application Acquisition Overview

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APPLICATION ACQUISITION OVERVIEW TOTAL APPLICANTS

- Total of incoming applications of Mar MTD = 7,326. The trend of

#TOTAL APPLICATION BY MONTH

30K AVE. REQUESTED AMOUNT

%Total approval %Approval by DSA %Approval by TLS %Approval by WEB

DAILY APPLICATIONS STATUS UPDATES

ACTIVATED APPROVED CANCELLED INCOMPLETED_APP PENDING@CE PENDING@DEDUPE REFUSED TOTAL APPLICATION

Feb 10 Feb 17 Feb 24 Mar 03 Mar 10

#TOTAL CONTRACT BY MOMTH

2,000 #CURRENT MTD TARGET %CONTRACT BY CHANNEL M…

Feb 17 Feb 24 Mar 03

2. 10-14,9 MVND 100% 100% 100%

20% 9.7% 20% 10.5% 20%

MeKong expansion in Mar 2019:

- Achieved 12.1% of total disbursed contract & 10.9% of total

#APPLICATION BY CURRENT AREA

#CONTRACT BY CURRENT AREA

October 2018 289 7.147bn 100.0% 100.0%

CE DOC CHECK BY MONTH

CE DOC CHECK DAILY

%DOC OK = #DOC OK/ #TOTAL PROCESSED

STATUS OF RE-APPLIED APPLICATIONS FROM REJECTED APPLICANT

HISTORICAL RISK INDICATORS BY CONTRACT OF REJECTED APPLICANT THEN RE-APPLIED SUCCESSFULLY

DISBURSED THEN RE-APPLIED OVERALL #RE-APPLIED NEW APPLICATION BY SALE CHANNELS

STATUS OF RE-APPLIED APPLICATIONS FROM DISBURSED CUSTOMERS

HISTORICAL RISK INDICATORS BY CONTRACT OF CUSTOMER RE-APPLIED ADDITIONAL LOANS

APPLICATION SUMMARY CONTRACT SUMMARY

HISTORICAL RISK INDICATORS BY VINTAGE

DAILY RISK INDICATORS BY VINTAGE

DAILY RISK INDICATORS BY SALE CHANNEL

APPLICATION SUMMARY -TLS

CONTRACT SUMMARY -TLS

DICO 1 31.8M 31.8M 24.0 2.0M 45.5

APPLICATION SUMMARY -DSA

CONTRACT SUMMARY -DSA

HISTORICAL RISK INDICATORS BY DSA

DAILY RISK INDICATORS BY DSA

HISTORICAL RISK INDICATORS BY INITIAL PROVINCES

DAILY RISK INDICATORS BY INITIAL PROVINCES

DAILY RISK INDICATORS BY MEKONG/EAST EXPANSION

October 2018 5,306 39.0% 7.6 8,313 61.0% 8.4

HISTORICAL RISK INDICATORS BY MALE HISTORICAL RISK INDICATORS BY FEMALE

800 20 800 19.3 20

HISTORICAL RISK INDICATORS BY GENDER

DAILY RISK INDICATORS BY GENDER

Portfolio overall: AGE BAND

#APPLICATIONS BY AGE BAND

HISTORICAL RISK INDICATORS BY AGE BAND

DAILY RISK INDICATORS BY AGE BAND

Retired 22.1% 59.5%

October 2018 7305 53.6% 7.2 6314 46.4% 9.2

HISTORICAL RISK INDICATORS BY AGE BAND

DAILY RISK INDICATORS BY INCOME PROOF

7. 15+ MVND 13.3%

#APPLICATIONS BY INCOME BAND

HISTORICAL RISK INDICATORS BY INCOME BAND

DAILY RISK INDICATORS BY INCOME BAND

#APPLICATIONS BY PROFESSION & INCOME PROOF

DAILY RISK INDICATORS BY PROFESSION & YES-INCOME PROOF

HISTORICAL RISK INDICATORS BY INCOME BAND & NO-INCOME PROOF

DAILY RISK INDICATORS BY INCOME BAND & NO-INCOME PROOF

HISTORICAL RISK INDICATORS BY INCOME BAND & YES-INCOME PROOF

DAILY RISK INDICATORS BY INCOME BAND & YES-INCOME PROOF