This is a Mortgage Balanced Scorecard Report, it is one of reports that Balanced Scorecard Designer can generate for Mortgage scorecard. With this software you can also design your own KPIs, Balanced Scorecards and metrics.

Mortgage Metrics

Report includes: 1 month(s) 49 day(s), from 05.04.2008 to 24.05.2008

Name

Start value

End value

Dynamic

Contains

Mortgage Metrics

48,74 %

45,26 %

-3,48 %

Interest margin metrics	(47,4%, -1%)
Risk metrics	(58,4%, 30,66%)
Expected Loss (EL)	(33,7%, -23,08%)
Customer Perspective	(51,2%, -6,29%)
Company Perspective	(35,6%, -17,65%)

Graph for Mortgage Metrics

Data for Mortgage Metrics

Dates	Value
05.04.2008	48,74
12.04.2008	43,56
19.04.2008	59,44
26.04.2008	42,65
03.05.2008	46,89
10.05.2008	52,95
17.05.2008	44,95
24.05.2008	45,26

Interest margin metrics

Name

Start value

End value

Dynamic

Parent

Contains

Interest margin metrics

48,42 %

47,42 %

-1%

Indicators

Graph for Interest margin metrics

Data for Interest margin metrics

Dates	Value	Weight
05.04.2008	48,42	2
12.04.2008	34,02	2
19.04.2008	52,24	2
26.04.2008	53,62	2
03.05.2008	60,16	2
10.05.2008	34,96	2
17.05.2008	43,94	2
24.05.2008	47,42	2

Profit margin

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Profit margin	2,456	2,9312	+ 0,475	%	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
05.04.2008	4	1,7	3,5	2,456
12.04.2008	4	1,7	3,5	2,015
19.04.2008	4	1,7	3,5	2,294
26.04.2008	4	1,7	3,5	2,465
03.05.2008	4	1,7	3,5	3,3956
10.05.2008	4	1,7	3,5	1,997
17.05.2008	4	1,7	3,5	3,1616
24.05.2008	4	1,7	3,5	2,9312

Operating margin

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Operating margin	11,294	4,87	-6,424	%	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
05.04.2008	4	3	25	11,294
12.04.2008	4	3	25	14,198
19.04.2008	4	3	25	18,972
26.04.2008	4	3	25	23,108
03.05.2008	4	3	25	9,732
10.05.2008	4	3	25	11,712
17.05.2008	4	3	25	6,63
24.05.2008	4	3	25	4,87

Interest margin

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Interest margin	8,789	8,831	+ 0,042	%	Maximize	Interest margin metrics

Description Interest income minus interest expense, divided by average interest earning assets, multiplied by 100

Graph for Interest margin

Data for Interest margin

Dates	Weight	Min	Max	Value
05.04.2008	2	3	10	8,789
12.04.2008	2	3	10	5,331
19.04.2008	2	3	10	6,5
26.04.2008	2	3	10	3,021
03.05.2008	2	3	10	6,584
10.05.2008	2	3	10	7,382
17.05.2008	2	3	10	4,701
24.05.2008	2	3	10	8,831

Risk metrics

Name

Start value

End value

Dynamic

Parent

Contains

Risk metrics

27,74 %

58,4 %

+ 30,66%

Mortgage Metrics

Indicators

Value at risk

Capital adequacy ratio

Distance-to-default

Graph for Risk metrics

Data for Risk metrics

Dates	Value	Weight
05.04.2008	27,74	2
12.04.2008	35,62	2
19.04.2008	57,56	2
26.04.2008	37,22	2
03.05.2008	47,5	2
10.05.2008	61,54	2
17.05.2008	61,48	2
24.05.2008	58,4	2

Value at risk

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Value at risk	11,784	9,276	-2,508	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
05.04.2008	4	8	12	11,784
12.04.2008	4	8	12	11
19.04.2008	4	8	12	9,18
26.04.2008	4	8	12	10,06
03.05.2008	4	8	12	11,008
10.05.2008	4	8	12	8,752
17.05.2008	4	8	12	10,476
24.05.2008	4	8	12	9,276

Capital adequacy ratio

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Capital adequacy ratio	9,5	10,925	+ 1,425	%	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
05.04.2008	4	5	20	9,5
12.04.2008	4	5	20	14,435
19.04.2008	4	5	20	14,555
26.04.2008	4	5	20	5,21
03.05.2008	4	5	20	12,395
10.05.2008	4	5	20	14,15
17.05.2008	4	5	20	18,455
24.05.2008	4	5	20	10,925

Distance-to-default

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Distance-to-default	3,0927	2,3184	-0,774	%	Minimize	Risk metrics

Description (Market value of assets minus Default point), divided by (Market value of assets multipled by asset volatility), multiplied by 100

Graph for Distance-to-default

Data for Distance-to-default

Dates	Weight	Min	Max	Value
05.04.2008	2	0,3	9	3,0927
12.04.2008	2	0,3	9	8,7999
19.04.2008	2	0,3	9	7,3122
26.04.2008	2	0,3	9	1,4919
03.05.2008	2	0,3	9	1,2309
10.05.2008	2	0,3	9	6,9729
17.05.2008	2	0,3	9	4,4934
24.05.2008	2	0,3	9	2,3184

Expected Loss (EL)

Name

Start value

End value

Dynamic

Parent

Contains

Expected Loss (EL)

56,79 %

33,71 %

-23,08%

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
05.04.2008	56,79	2
12.04.2008	59,3	2
19.04.2008	84,45	2
26.04.2008	42,76	2
03.05.2008	61,34	2
10.05.2008	75,55	2
17.05.2008	39,16	2
24.05.2008	33,71	2

Probability of Default (PD)

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Probability of Default (PD)	12,267	15,022	+ 2,755	%	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
05.04.2008	3	1	20	12,267
12.04.2008	3	1	20	8,068
19.04.2008	3	1	20	1,19
26.04.2008	3	1	20	10,006
03.05.2008	3	1	20	7,08
10.05.2008	3	1	20	2,862
17.05.2008	3	1	20	13,597
24.05.2008	3	1	20	15,022

Expected Exposure (EE) rate

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Expected Exposure (EE) rate	144,5	99,51	-44,99	%	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
05.04.2008	3	40	150	144,5
12.04.2008	3	40	150	91,26
19.04.2008	3	40	150	136,25
26.04.2008	3	40	150	43,08
03.05.2008	3	40	150	90,82
10.05.2008	3	40	150	137,57
17.05.2008	3	40	150	41,43
24.05.2008	3	40	150	99,51

Loss Given Default (LGD)

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Loss Given Default (LGD)	28,588	38,312	+ 9,724	%	Minimize	Expected Loss (EL)

Description Total losses divided by Exposure at default

Graph for Loss Given Default (LGD)

Data for Loss Given Default (LGD)

Dates	Weight	Min	Max	Value
05.04.2008	2	2	70	28,588
12.04.2008	2	2	70	38,788
19.04.2008	2	2	70	19,068
26.04.2008	2	2	70	16,96
03.05.2008	2	2	70	38,584
10.05.2008	2	2	70	42,936
17.05.2008	2	2	70	8,256
24.05.2008	2	2	70	38,312

Customer Perspective

Name

Start value

End value

Dynamic

Parent

Contains

Customer Perspective

57,51 %

51,22 %

-6,29%

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
05.04.2008	57,51	2
12.04.2008	56,61	2
19.04.2008	39,75	2
26.04.2008	53,14	2
03.05.2008	13,85	2
10.05.2008	68,64	2
17.05.2008	51,77	2
24.05.2008	51,22	2

Debt-To-Income Ratio (DTI)

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Debt-To-Income Ratio (DTI)	22,64	12	-10,64	%	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
05.04.2008	3	5	40	22,64
12.04.2008	3	5	40	30,445
19.04.2008	3	5	40	6,61
26.04.2008	3	5	40	17,11
03.05.2008	3	5	40	39,405
10.05.2008	3	5	40	8,71
17.05.2008	3	5	40	7,87
24.05.2008	3	5	40	12

Annual Percentage Rate (APR)

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Annual Percentage Rate (APR)	9,462	10,59	+ 1,128	%	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
05.04.2008	3	6	12	9,462
12.04.2008	3	6	12	8,886
19.04.2008	3	6	12	11,232
26.04.2008	3	6	12	7,422
03.05.2008	3	6	12	10,35
10.05.2008	3	6	12	10,272
17.05.2008	3	6	12	10,95
24.05.2008	3	6	12	10,59

Amortization Term

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Amortization Term	10,98	16,66	+ 5,68	%	Minimize	Customer Perspective

Description The maximum amortization term on a real estate mortgage
Target description Years

Graph for Amortization Term

Data for Amortization Term

Dates	Weight	Min	Max	Value
05.04.2008	3	10	30	10,98
12.04.2008	3	10	30	11,32
19.04.2008	3	10	30	26,34
26.04.2008	3	10	30	22,92
03.05.2008	3	10	30	29,48
10.05.2008	3	10	30	10
17.05.2008	3	10	30	21,36
24.05.2008	3	10	30	16,66

Company Perspective

Name

Start value

End value

Dynamic

Parent

Contains

Company Perspective

53,22 %

35,57 %

-17,65%

Mortgage Metrics

Indicators

Capital Adequacy

Gross Debt Service Ratio (GDS)

Customer Credit Quality

Graph for Company Perspective

Data for Company Perspective

Dates	Value	Weight
05.04.2008	53,22	2
12.04.2008	32,27	2
19.04.2008	63,18	2
26.04.2008	26,53	2
03.05.2008	51,6	2
10.05.2008	24,07	2
17.05.2008	28,42	2
24.05.2008	35,57	2

Capital Adequacy

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Capital Adequacy	231,98	137,74	-94,24	%	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
05.04.2008	4	110	300	231,98
12.04.2008	4	110	300	144,58
19.04.2008	4	110	300	189,23
26.04.2008	4	110	300	118,17
03.05.2008	4	110	300	204,62
10.05.2008	4	110	300	113,61
17.05.2008	4	110	300	149,52
24.05.2008	4	110	300	137,74

Gross Debt Service Ratio (GDS)

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Gross Debt Service Ratio (GDS)	16,725	7,765	-8,96	%	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
05.04.2008	3	5	40	16,725
12.04.2008	3	5	40	29,885
19.04.2008	3	5	40	30,9
26.04.2008	3	5	40	32,685
03.05.2008	3	5	40	27,925
10.05.2008	3	5	40	25,93
17.05.2008	3	5	40	25,895
24.05.2008	3	5	40	7,765

Customer Credit Quality

	Name	Start value	End value	Dynamic	Measure units	Optimization method	Parent
	Customer Credit Quality	58,3	91,2	+ 32,9	%	Maximize	Company Perspective

Description Average customer credit quality, according rating reports

Graph for Customer Credit Quality

Data for Customer Credit Quality

Dates	Weight	Min	Max	Value
05.04.2008	3	0	100	58,3
12.04.2008	3	0	100	12,2
19.04.2008	3	0	100	81
26.04.2008	3	0	100	3,6
03.05.2008	3	0	100	40,1
10.05.2008	3	0	100	17,9
17.05.2008	3	0	100	7,3
24.05.2008	3	0	100	91,2

Created by: AKS-Labs
Report created with Balanced Scorecard Designer at 28.04.2008 23:54:15