General Performance Information Disclosure

 

Year of disbursement Expected rates of return Non-performing loan rates
Lowest and Highest Rates (per annum) Weighted Average (per annum) Loans past 30 days but fewer than 90 days Loans past 90 days Overall
2023 3.79% – 31.36% 10.90%5 6.67%6 3.60% 10.27%
2022 3.84% – 32.64% 12.00% 2.71%3 3.49%4 6.20%
2021 2.99% – 24.00% 10.15% 1.91%1 1.47%2 3.38%

 

Footnotes

1Of which 78% were subsequently recovered from borrowers, as of 31 Dec 2023.

2Of which 40% were subsequently recovered from borrowers, as of 31 Dec 2023.

3Of which 53% were subsequently recovered from borrowers, as of 31 Dec 2023.

4Of which 66% were subsequently recovered from borrowers, as of 31 Dec 2023.

5The decrease in returns, as compared to the preceding year, is primarily associated with an overall reduction in high-risk product exposure throughout our portfolio.

6The observed increase is attributed to year-end payment delays encountered with key partners.


* Information on this page has been prepared as general information as of 31 December 2023.
* Actual returns may be lower than the expected rates of return, and historical rates of returns may not reflect future returns.

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