This report provides insights into Nova Bank’s loan portfolio by analyzing Borrower Profile, loan performance, and overall credit risk. It is designed to help the bank identify high-risk borrower segments, improve lending strategies, and safeguard financial sustainability while ensuring fair access to credit. Page 1 – Borrower Profile This page presents an overview of the borrower base, highlighting demographics such as age, gender, marital status, income, employment length, education level, Loan intent and Location. A field parameter that allows switching between ALL BORROWERS and only DEFAULTERS, enabling side-by-side comparisons of borrower groups. This view helps reveal patterns that distinguish safer borrowers from those more likely to default. Page 2 – Risk Exposure and Recovery Potential This page explores the bank’s financial exposure, with visualizations on Loan Amount by loan grade, Intention, Employment Length, Income etc. It also explores a comparison between borrowers from USA, UK, and Canada. Users can switch between ALL BORROWERS and DEFAULTERS to analyze portfolio-wide exposure versus default-driven risk. The section also estimates loss potential from defaults and contrasts it with recovery potential, giving management a balanced view of both downside and upside in risk management.

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