Understanding Delinquency

Session 3: Zero Tolerance Against Loan Delinquency –  Understanding Delinquency


  • The loan portfolio is considered as the largest income-generating asset of a lending institution.
  • Like any other asset, it has inherent RISKS!
  • One of the biggest risks faced by the bank is non-repayment by clients or delinquency. This risk in the bank portfolio changes as loans are disbursed.
  • Problems with loan delinquency affect not only loan clients but the whole institution and community as well.
  • However, the bank is ultimately responsible for delinquency.


  • Understand the basic concepts of zero tolerance and delinquency
  • Learn how to measure delinquency
  • Know the costs and causes associated with delinquency
Module Content:
Microsoft Office PowerPoint 2003 or higher version Understanding Delinquency

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