ALM Audit Report
ALM (Asset Liability Management) Audit Report in Frappe Lending provides an ageing-wise view of loan obligations as of a selected date. It helps lenders analyze outstanding loan liabilities by categorizing overdue and future scheduled amounts into different ageing buckets.
The report provides a detailed breakdown of principal, interest, penalties, and total amounts for each loan, helping financial institutions with maturity profiling, asset-liability monitoring, and portfolio risk assessment.
Did You Know?
ALM Audit Report helps lenders understand repayment patterns and maturity exposure by grouping loan obligations based on ageing periods.
Accessing ALM Audit Report
The ALM Audit Report can be accessed from the Reports section in Frappe Lending.
Home > Lending > Reports > ALM Audit ReportPurpose of ALM Audit Report
The report helps lenders evaluate loan portfolio obligations and analyze repayment exposure across different time periods.
Key uses include:
- Monitoring loan obligations based on ageing buckets.
- Analyzing overdue and future repayment amounts.
- Supporting asset-liability management activities.
- Reviewing portfolio maturity and risk exposure.
Ageing-Based Loan Analysis
The report categorizes loan obligations into ageing ranges based on the selected date.
It includes:
| Category | Description |
|---|---|
| Overdue Amounts | Shows repayment obligations that have crossed their due dates. |
| Future Scheduled Amounts | Displays upcoming repayment obligations based on scheduled payment dates. |
| Ageing Buckets | Groups loan amounts into defined time ranges for easier maturity analysis. |
Information Available in the Report
The ALM Audit Report provides loan-level details with amount-wise breakup.
| Component | Description |
|---|---|
| Loan Details | Displays the loan information associated with the outstanding obligations. |
| Ageing Range | Shows the time bucket in which the obligation falls. |
| Principal Amount | Displays the principal portion of loan obligations. |
| Interest Amount | Shows the interest component associated with the obligation. |
| Penalty Amount | Displays applicable penalty amounts included in the loan obligation. |
| Total Amount | Shows the combined value of principal, interest, and penalty amounts. |
Asset-Liability Monitoring
The report supports asset-liability monitoring by providing visibility into when loan collections are expected and where overdue exposures exist.
| Analysis Area | Purpose |
|---|---|
| Maturity Profiling | Helps review upcoming repayment obligations across different time periods. |
| Overdue Analysis | Helps identify delayed collections and ageing of outstanding amounts. |
| Portfolio Risk Review | Provides insights into repayment exposure and potential risk areas. |
Report Date Selection
The ALM Audit Report is generated as of a selected date, allowing users to analyze loan obligations at a specific point in time.
This helps users:
- Review historical portfolio positions.
- Assess current repayment exposure.
- Plan liquidity and maturity requirements.
Note
The report provides ageing-wise classification of loan obligations based on the selected reporting date.
Best Practices
- Review ALM reports regularly for portfolio monitoring.
- Analyze ageing buckets to identify repayment risks.
- Use maturity profiling for liquidity planning.
- Monitor overdue obligations to support recovery decisions.
