BANK LOAN REPORT

PROBLEM STATEMENT
DASHBOARD 1: SUMMARY
"In order to monitor and assess our bank's lending activities and performance, we need to
create a comprehensive Bank Loan Report. This report aims to provide insights into key loan-
related metrics and their changes over time. The report will help us make data-driven
decisions, track our loan portfolio's health, and identify trends that can inform our lending
strategies.

Key Performance Indicators (KPIs) Requirements:

1. Total Loan Applications: We need to calculate the total number of loan applications
received during a specified period. Additionally, it is essential to monitor the Month-
to-Date (MTD) Loan Applications and track changes Month-over-Month (MoM).
2. Total Funded Amount: Understanding the total amount of funds disbursed as loans is
crucial. We also want to keep an eye on the MTD Total Funded Amount and analyse
the Month-over-Month (MoM) changes in this metric.
3. Total Amount Received: Tracking the total amount received from borrowers is
essential for assessing the bank's cash flow and loan repayment. We should analyse
the Month-to-Date (MTD) Total Amount Received and observe the Month-over-
Month (MoM) changes.
4. Average Interest Rate: Calculating the average interest rate across all loans, MTD,
and monitoring the Month-over-Month (MoM) variations in interest rates will
provide insights into our lending portfolio's overall cost.
5. Average Debt-to-Income Ratio (DTI): Evaluating the average DTI for our borrowers
helps us gauge their financial health. We need to compute the average DTI for all
loans, MTD, and track Month-over-Month (MoM) fluctuations.
Good Loan v Bad Loan KPI’s

In order to evaluate the performance of our lending activities and assess the quality of our
loan portfolio, we need to create a comprehensive report that distinguishes between 'Good
Loans' and 'Bad Loans' based on specific loan status criteria

Good Loan KPIs:

1. Good Loan Application Percentage: We need to calculate the percentage of loan

applications classified as 'Good Loans.' This category includes loans with a loan status
of 'Fully Paid' and 'Current.'
2. Good Loan Applications: Identifying the total number of loan applications falling
under the 'Good Loan' category, which consists of loans with a loan status of 'Fully
Paid' and 'Current.'
3. Good Loan Funded Amount: Determining the total amount of funds disbursed as
'Good Loans.' This includes the principal amounts of loans with a loan status of 'Fully
Paid' and 'Current.'
4. Good Loan Total Received Amount: Tracking the total amount received from
borrowers for 'Good Loans,' which encompasses all payments made on loans with a
loan status of 'Fully Paid' and 'Current.'

Bad Loan KPIs:

1. Bad Loan Application Percentage: Calculating the percentage of loan applications

categorized as 'Bad Loans.' This category specifically includes loans with a loan status
of 'Charged Off.'
2. Bad Loan Applications: Identifying the total number of loan applications categorized
as 'Bad Loans,' which consists of loans with a loan status of 'Charged Off.'
3. Bad Loan Funded Amount: Determining the total amount of funds disbursed as 'Bad
Loans.' This comprises the principal amounts of loans with a loan status of 'Charged
Off.'
4. Bad Loan Total Received Amount: Tracking the total amount received from
borrowers for 'Bad Loans,' which includes all payments made on loans with a loan
status of 'Charged Off.'
Loan Status Grid View

In order to gain a comprehensive overview of our lending operations and monitor the
performance of loans, we aim to create a grid view report categorized by 'Loan Status.' This
report will serve as a valuable tool for analysing and understanding the key indicators
associated with different loan statuses. By providing insights into metrics such as 'Total Loan
Applications,' 'Total Funded Amount,' 'Total Amount Received,' 'Month-to-Date (MTD)
Funded Amount,' 'MTD Amount Received,' 'Average Interest Rate,' and 'Average Debt-to-
Income Ratio (DTI),' this grid view will empower us to make data-driven decisions and assess
the health of our loan portfolio.

DASHBOARD 2: OVERVIEW
In our Bank Loan Report project, we aim to visually represent critical loan-related metrics
and trends using a variety of chart types. These charts will provide a clear and insightful view
of our lending operations, facilitating data-driven decision-making and enabling us to gain
valuable insights into various loan parameters. Below are the specific chart requirements:

1. Monthly Trends by Issue Date (Line Chart):

Chart Type: Line Chart

Metrics: 'Total Loan Applications,' 'Total Funded Amount,' and 'Total Amount Received'

X-Axis: Month (based on 'Issue Date')

Y-Axis: Metrics' Values

Objective: This line chart will showcase how 'Total Loan Applications,' 'Total Funded Amount,'
and 'Total Amount Received' vary over time, allowing us to identify seasonality and long-
term trends in lending activities.

2. Regional Analysis by State (Filled Map):

Chart Type: Filled Map

Metrics: 'Total Loan Applications,' 'Total Funded Amount,' and 'Total Amount Received'

Geographic Regions: States

Objective: This filled map will visually represent lending metrics categorized by state,
enabling us to identify regions with significant lending activity and assess regional
disparities.

3. Loan Term Analysis (Donut Chart):

Chart Type: Donut Chart

Metrics: 'Total Loan Applications,' 'Total Funded Amount,' and 'Total Amount Received'

Segments: Loan Terms (e.g., 36 months, 60 months)

Objective: This donut chart will depict loan statistics based on different loan terms, allowing
us to understand the distribution of loans across various term lengths.

4. Employee Length Analysis (Bar Chart):

Chart Type: Bar Chart

Metrics: 'Total Loan Applications,' 'Total Funded Amount,' and 'Total Amount Received'

X-Axis: Employee Length Categories (e.g., 1 year, 5 years, 10+ years)

Y-Axis: Metrics' Values

Objective: This bar chart will illustrate how lending metrics are distributed among borrowers
with different employment lengths, helping us assess the impact of employment history on
loan applications.

5. Loan Purpose Breakdown (Bar Chart):

Chart Type: Bar Chart

Metrics: 'Total Loan Applications,' 'Total Funded Amount,' and 'Total Amount Received'

X-Axis: Loan Purpose Categories (e.g., debt consolidation, credit card refinancing)

Y-Axis: Metrics' Values

Objective: This bar chart will provide a visual breakdown of loan metrics based on the stated
purposes of loans, aiding in the understanding of the primary reasons borrowers seek
financing.
6. Home Ownership Analysis (Tree Map):

Chart Type: Tree Map

Metrics: 'Total Loan Applications,' 'Total Funded Amount,' and 'Total Amount Received'

Hierarchy: Home Ownership Categories (e.g., own, rent, mortgage)

Objective: This tree map will display loan metrics categorized by different home ownership
statuses, allowing for a hierarchical view of how home ownership impacts loan applications
and disbursements.

These diverse chart types will enhance our ability to visualize and communicate loan-related
insights effectively, supporting data-driven decisions and strategic planning within our
lending operations."

DASHBOARD 3: DETAILS
In our Bank Loan Report project, we recognize the need for a comprehensive 'Details
Dashboard' that provides a consolidated view of all the essential information within our loan
data. This Details Dashboard aims to offer a holistic snapshot of key loan-related metrics and
data points, enabling users to access critical information efficiently.

Objective:

The primary objective of the Details Dashboard is to provide a comprehensive and user-
friendly interface for accessing vital loan data. It will serve as a one-stop solution for users
seeking detailed insights into our loan portfolio, borrower profiles, and loan performance.