Reports & Business Intelligence Module
The Reports module (/reports) transforms raw institutional transactions into actionable portfolio intelligence, regulatory compliance filings, and executive decision dashboards. It provides interactive drill-downs, vintage analysis, and multi-format exports to PDF, Excel, and CSV.
1. Key Definitions & Reporting Concepts
| Concept | Explanation |
|---|---|
| Portfolio at Risk (PAR) | The proportion of the gross loan portfolio held by borrowers who are overdue by more than $x$ days (typically PAR 30, PAR 60, PAR 90). If a single installment is late, the entire outstanding principal balance of that loan enters PAR. |
| Days Past Due (DPD) | The elapsed number of calendar days since the earliest unpaid installment due date. |
| Collection Efficiency | The ratio of cash actually collected during a period compared to the total scheduled installments falling due: $\text{Efficiency} = \frac{\text{Actual Collections}}{\text{Expected Collections}} \times 100%$. |
| Aging Bucket | Time brackets used to categorize arrears: Current (0 DPD), 1–30 DPD (Watch), 31–60 DPD (Substandard), 61–90 DPD (Doubtful), and 90+ DPD (Loss). |
| Non-Performing Loan (NPL) Ratio | The percentage of the loan book that is 90+ days overdue or in formal default: $\text{NPL Ratio} = \frac{\text{Portfolio } \ge 90\text{ DPD}}{\text{Gross Loan Portfolio}} \times 100%$. |
| Vintage Analysis | Tracking the credit performance and default trajectory of loans grouped by their origination cohort (e.g., all loans disbursed in March 2026). |
| As-of Date | A historical snapshot date allowing management to reconstruct portfolio status, arrears, and balances exactly as they were at that specific point in time. |
2. Core Institutional Report Catalog
BiiTrust provides a rich suite of built-in operational and financial reports:
| Report Code | Report Name | Description | Primary Audience |
|---|---|---|---|
| RPT-01 | Portfolio Summary (/reports/portfolio) | Executive overview of total active facilities, gross principal outstanding, interest receivable, borrower count, and average loan ticket size. | Board of Directors, Executive Management |
| RPT-02 | Arrears Aging & PAR (/reports/par) | Detailed loan-by-loan breakdown of all delinquent accounts categorized by aging brackets (1–30, 31–60, 61–90, 91–180, 180+ DPD). | Credit Committee, Branch Managers, Officers |
| RPT-03 | Daily Collection Reconciliation (/reports/collections) | Itemized reconciliation of expected vs collected payments for any calendar date, segmented across Cash, M-Pesa, and Bank channels. | Branch Tellers, Chief Accountant |
| RPT-04 | Officer Productivity & Book Health | Measures individual loan officer performance: portfolio growth, client retention, disbursement volumes, and individual officer PAR 30 rates. | Operations Director, Branch Managers |
| RPT-05 | Loan Loss Impairment (IFRS 9 / Regulatory) | Calculates required credit risk provisioning across Stage 1 (Performing), Stage 2 (Underperforming), and Stage 3 (Impaired / Default). | Financial Controller, External Auditors |
| RPT-06 | Disbursement Register (/reports/disbursements) | Audit trail of all capital disbursed within a date range, showing net payout, fee deductions, and receiving bank/M-Pesa numbers. | Compliance, Internal Audit |
| RPT-07 | Collateral Register & Coverage | Comprehensive inventory of all pledged assets, current market values, forced sale values, insurance status, and vault safe pouch numbers. | Risk Management, Credit Committee |
3. Scoping, Filters & Custom Drill-Downs
Every report includes an intuitive scoping bar at the top of the interface:
┌─────────────────────────────────────────────────────────────────────────────────────────────────┐
│ Arrears & Aging Report (PAR) [ Export / Print ] [ Refresh Data ] │
├─────────────────────────────────────────────────────────────────────────────────────────────────┤
│ Date As-of: [ 2026-09-16 📅 ] Branch: [ Nairobi Central (BRX-001) ▼ ] Officer: [ All ▼ ] │
│ Product: [ Biashara Growth ▼ ] Aging Bucket: [ PAR 30 and Above (31+ DPD) ▼ ] │
├─────────────────────────────────────────────────────────────────────────────────────────────────┤
│ Summary Metrics for Selected Scope: │
│ • Active Portfolio: KES 48,250,000 • Total Delinquent Loans: 18 Accounts │
│ • PAR 30 Balance: KES 2,150,000 • PAR 30 Ratio: 4.46% (Below 5% Target ✓) │
└─────────────────────────────────────────────────────────────────────────────────────────────────┘
Dynamic Scope Parameters:
- As-of Date: Run reports retrospectively (e.g., “What was our PAR 30 on December 31, 2025?”).
- Multi-Branch Selector: Compare branches side-by-side or isolate a single satellite office.
- Officer Book Isolation: Focus directly on an individual loan officer’s book for monthly performance evaluations.
- Product Segment: Analyze risk differences between collateralized business loans vs unsecured emergency loans.
4. The Arrears & Aging Drill-Down Table
The Arrears report provides direct operational links to take immediate recovery action:
┌────────────┬──────────────────┬──────────────┬────────────┬─────────────┬───────────┬───────────┐
│ Loan # │ Borrower │ Phone │ Days Late │ Total Debt │ Overdue │ Officer │
├────────────┼──────────────────┼──────────────┼────────────┼─────────────┼───────────┼───────────┤
│ LOX-004102 │ John Mwita │ 0722-114477 │ 42 DPD │ KES 145,000 │ KES 28,000│ K. Brian │
│ LOX-003891 │ Agnes Cherono │ 0733-882299 │ 35 DPD │ KES 62,000 │ KES 14,500│ A. Chebet │
│ LOX-002184 │ Peter Ochieng │ 0710-554433 │ 68 DPD │ KES 210,000 │ KES 55,000│ P. Mwita │
└────────────┴──────────────────┴──────────────┴────────────┴─────────────┴───────────┴───────────┘
- Clicking any row opens the Action Drawer:
- Direct dial or click-to-SMS the borrower.
- View registered guarantor contact details.
- Open the Collateral Record to review repossession rights.
- Log an operational collection memo.
5. Exporting Reports & Board Packs (/export/:name)
Clicking Export / Print opens the preview modal:
Available Formats:
- Official PDF (Print Ready):
- Formatted in landscape or portrait A4.
- Includes official institution letterhead, crest logo, report filter parameters, generation timestamp, and authorized officer signature blocks.
- Ideal for Board of Directors audit packs, credit committee meetings, and regulatory inspectors.
- Microsoft Excel (XLSX):
- Exported with structured tabs, freeze-panes on column headers, native currency number formatting, and formula totals.
- Formatted for financial analysts, budget forecasting, and custom pivot tables.
- Raw Data (CSV):
- Unformatted comma-delimited data optimized for high-speed import into enterprise data warehouses, PowerBI, or Tableau.