| Metric | Budget | Actual | Variance |
|---|
| Revenue (GHS M) |
41.7 |
37.9 |
-9.2% |
| Disbursements (GHS M) |
330.3 |
273.5 |
-17.2% |
| Loanbook EOM (GHS M) |
522.6 |
463.9 |
-11.2% |
| Principal Repaid (GHS M) |
327.2 |
243.3 |
-25.7% |
| Write-offs (GHS M) |
16.9 |
14.9 |
-11.8% |
|
| L0 Customers |
21,849 |
20,898 |
-4.4% |
| Loans Disbursed |
159,194 |
137,014 |
-13.9% |
| Avg Loan Size (GHS) |
2,075 |
1,996 |
-3.8% |
|
| NPL 30+ |
14.8% |
19.3% |
+4.5pp |
| NPL 90+ |
6.8% |
9.2% |
+2.4pp |
Marketing Spend (USD)
| Platform | Spend |
|---|
| ◈ Meta |
$10,662 |
| ▣ Google |
$57,724 |
| Total |
$68,387 |
- NPL30+ at 19.3% vs 14.8% target: Portfolio quality deteriorating (+4.5pp). Watch for aging into 90+ bucket.
- Disbursements 17% below: Driven by fewer loans (-14%) and smaller avg ticket (-4%, GHS 1,996 vs 2,075).
- Loanbook 11% below: Driven by disbursement shortfall, write-offs below plan.
- Revenue 9% below: Yield is stronger than budget (13.8% vs 12.6%) — partially offsetting the volume gap.
- On track: L0 (-4.4%).
| Metric | Budget | Actual | Variance |
|---|
| Revenue (UGX B) |
0.4 |
0.3 |
-34.7% |
| Disbursements (UGX B) |
4.5 |
2.5 |
-45.5% |
| Loanbook EOM (UGX B) |
7.0 |
6.8 |
-2.4% |
| Principal Repaid (UGX B) |
4.5 |
2.2 |
-51.2% |
| Write-offs (UGX B) |
0.3 |
0.4 |
+31.7% |
|
| L0 Customers |
3,224 |
2,752 |
-14.6% |
| Loans Disbursed |
11,108 |
9,526 |
-14.2% |
| Avg Loan Size (UGX) |
406,491 |
258,170 |
-36.5% |
|
| NPL 30+ |
26.6% |
47.9% |
+21.3pp |
| NPL 90+ |
12.2% |
26.2% |
+14.0pp |
Marketing Spend (USD)
| Platform | Spend |
|---|
| ◈ Meta |
$941 |
| ▣ Google |
$16,761 |
| Total |
$17,702 |
- NPL30+ at 47.9% vs 26.6% target: Portfolio quality deteriorating (+21.3pp). Watch for aging into 90+ bucket.
- Disbursements 46% below: Driven by fewer loans (-14%) and smaller avg ticket (-36%, UGX 258,170 vs 406,491).
- Revenue 35% below: Yield is stronger than budget (11.9% vs 9.9%) — partially offsetting the volume gap.
- L0 15% below target: 2,752 new customers vs 3,224 planned. Check marketing funnel and approval rates.
- On track: Loanbook (-2.4%).
Monthly Flash