Arrears ageing
The How late chart groups what is outstanding by how many days it is past due:
- Current (not late)
- 1–30 days late
- 31–60 days late
- 61–90 days late
- Over 90 days late
Each group shows its amount and its share of what is outstanding.
Portfolio at risk
At risk (30+ days late) adds up everything more than 30 days late. Lenders use it as an early warning: if it grows, follow up with those borrowers first.
Tip: Select the borrowers who are late and send them a reminder in one go. See Remind many borrowers at once.