Reading the portfolio disaggregation report
A single portfolio number rarely answers the question a regulator, board or funder is really asking — they want to know where the risk sits. The portfolio disaggregation report breaks the book down along the dimensions that matter, so you can see exactly which branch, product, officer or sector is carrying quality problems rather than staring at one blended PAR figure.
What you can break the portfolio down by
- Branch — which locations concentrate delinquency, and which are clean.
- Product — whether a specific loan product is driving PAR up.
- Officer — how portfolio quality varies across the people who originate and service the loans.
- Sector — exposure and risk by the borrower's economic activity.
- Region, gender and MSME segment — the cuts a donor or development funder typically asks for in a portfolio report.
Why disaggregation changes the conversation
An aggregate PAR of, say, 6% can hide a single branch or product running at three times that rate while the rest of the book is healthy. Disaggregation turns a symptom into an address: instead of tightening credit across the whole institution, you can target the concentration that is actually causing the movement.
Generated from the portfolio, not rebuilt
The cuts are produced directly from the same loan ledger that drives PAR and classification, so every breakdown reconciles back to the whole. The sum of the branch figures is the institution figure; the disaggregation and the headline number can never drift apart because they come from one source.
Every percentage in the report — PAR30, female-borrower share and the rest — is calculated from your own book.