This is a Mortgage Metric Dashboard (Diamond) Report, it is one of reports that Balanced Scorecard Designer can generate for Mortgage KPI. With this software you can also design your own scorecards, KPIs and metrics.

Mortgage Metrics

Report includes: 1 day(s), from 28.10.2008 to 28.10.2008

Name

Start value

End value

Dynamic

Contains

Mortgage Metrics

52,73 %

0 %

Interest margin metrics	(20,9%, 0%)
Risk metrics	(58,7%, 0%)
Expected Loss (EL)	(59,5%, 0%)
Customer Perspective	(51,8%, 0%)
Company Perspective	(72,7%, 0%)

Graph for Mortgage Metrics

Data for Mortgage Metrics

Dates	Value
28.10.2008	52,73

Interest margin metrics

Name

Start value

End value

Dynamic

Parent

Contains

Interest margin metrics

20,9 %

Mortgage Metrics

Indicators

Profit margin

Operating margin

Interest margin *

* - Information for this metric is limited in sample report

Graph for Interest margin metrics

Data for Interest margin metrics

Dates	Value	Weight
28.10.2008	20,9	2

Profit margin

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Profit margin	1,781	1,781	0	%	Maximize	Interest margin metrics

Description Profit divided by sales, multiplied by 100

Graph for Profit margin

Data for Profit margin

Dates	Weight	Min	Max	Value
28.10.2008	4	1,7	3,5	1,781

Operating margin

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Operating margin	12,724	12,724	0	%	Maximize	Interest margin metrics

Description Operating profit divided by sales, multiplied by 100

Graph for Operating margin

Data for Operating margin

Dates	Weight	Min	Max	Value
28.10.2008	4	3	25	12,724

Risk metrics

Name

Start value

End value

Dynamic

Parent

Contains

Risk metrics

58,74 %

Mortgage Metrics

Indicators

Value at risk

Capital adequacy ratio

Distance-to-default *

* - Information for this metric is limited in sample report

Graph for Risk metrics

Data for Risk metrics

Dates	Value	Weight
28.10.2008	58,74	2

Value at risk

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Value at risk	10,76	10,76	0	Score	Minimize	Risk metrics

Description The largest amount of capital that a company risks losing with a given level of confidence
Target description Mln

Graph for Value at risk

Data for Value at risk

Dates	Weight	Min	Max	Value
28.10.2008	4	8	12	10,76

Capital adequacy ratio

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Capital adequacy ratio	18,62	18,62	0	%	Maximize	Risk metrics

Description The amount of capital that must be held in relation to risk-weighted assets

Graph for Capital adequacy ratio

Data for Capital adequacy ratio

Dates	Weight	Min	Max	Value
28.10.2008	4	5	20	18,62

Expected Loss (EL)

Name

Start value

End value

Dynamic

Parent

Contains

Expected Loss (EL)

59,54 %

Mortgage Metrics

Indicators

Probability of Default (PD)

Expected Exposure (EE) rate

Loss Given Default (LGD) *

Unexpected loss *

* - Information for this metric is limited in sample report

Graph for Expected Loss (EL)

Data for Expected Loss (EL)

Dates	Value	Weight
28.10.2008	59,54	2

Probability of Default (PD)

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Probability of Default (PD)	11,203	11,203	0	%	Minimize	Expected Loss (EL)

Description Customer’s credit quality measurements (agency debt ratings)

Graph for Probability of Default (PD)

Data for Probability of Default (PD)

Dates	Weight	Min	Max	Value
28.10.2008	3	1	20	11,203

Expected Exposure (EE) rate

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Expected Exposure (EE) rate	76,85	76,85	0	%	Maximize	Expected Loss (EL)

Description Accounts receivables plus current mark-to-market exposure of contracts plus the Expected Potential Future Exposure of contracts divided by the average EE value, multiplied by 100

Graph for Expected Exposure (EE) rate

Data for Expected Exposure (EE) rate

Dates	Weight	Min	Max	Value
28.10.2008	3	40	150	76,85

Customer Perspective

Name

Start value

End value

Dynamic

Parent

Contains

Customer Perspective

51,78 %

Mortgage Metrics

Indicators

Debt-To-Income Ratio (DTI)

Annual Percentage Rate (APR)

Amortization Term *

Loan Points *

* - Information for this metric is limited in sample report

Graph for Customer Perspective

Data for Customer Perspective

Dates	Value	Weight
28.10.2008	51,78	2

Debt-To-Income Ratio (DTI)

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Debt-To-Income Ratio (DTI)	26	26	0	%	Minimize	Customer Perspective

Description Customer's debt payments divided by the customer's income multiplied by 100

Graph for Debt-To-Income Ratio (DTI)

Data for Debt-To-Income Ratio (DTI)

Dates	Weight	Min	Max	Value
28.10.2008	3	5	40	26

Annual Percentage Rate (APR)

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Annual Percentage Rate (APR)	11,466	11,466	0	%	Minimize	Customer Perspective

Description Interest cost of loan plus Private Mortgage Insurance, processing fees, and discount points, as a percentage

Graph for Annual Percentage Rate (APR)

Data for Annual Percentage Rate (APR)

Dates	Weight	Min	Max	Value
28.10.2008	3	6	12	11,466

Company Perspective

Name

Start value

End value

Dynamic

Parent

Contains

Company Perspective

72,71 %

Mortgage Metrics

Indicators

Capital Adequacy

Gross Debt Service Ratio (GDS)

Customer Credit Quality *

* - Information for this metric is limited in sample report

Graph for Company Perspective

Data for Company Perspective

Dates	Value	Weight
28.10.2008	72,71	2

Capital Adequacy

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Capital Adequacy	250,03	250,03	0	%	Maximize	Company Perspective

Description The actual amount of capital (shareholders equity) divided by the calculated amount of EC, multiplied by 100

Graph for Capital Adequacy

Data for Capital Adequacy

Dates	Weight	Min	Max	Value
28.10.2008	4	110	300	250,03

Gross Debt Service Ratio (GDS)

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Gross Debt Service Ratio (GDS)	27,26	27,26	0	%	Maximize	Company Perspective

Description Annual Loan Payments plus Property taxes, divided by Gross Customer Income, multiplied by 100

Graph for Gross Debt Service Ratio (GDS)

Data for Gross Debt Service Ratio (GDS)

Dates	Weight	Min	Max	Value
28.10.2008	3	5	40	27,26

Created by: AKS-Labs
Report created with Balanced Scorecard Designer at 20.11.2008 17:23:20