Executive Dashboard
A comprehensive overview of key financial metrics and performance indicators available to senior administrators and decision-makers.
The Executive Dashboard provides senior administrators and decision-makers with a high-level view of the institution's overall financial health. Unlike the standard Dashboard, it consolidates advanced metrics covering loan performance, compliance, customer analytics, and financial statements, enabling strategic oversight and informed decision-making across the organization.
To access the Executive Dashboard, click Dashboard in the left sidebar, then select Executive Dashboard.
Prerequisites
Before using the Executive Dashboard, ensure the following:
You have successfully logged into Udara360 using your assigned credentials
Your user role includes permission to access the Executive Dashboard, this feature is typically restricted to senior administrators, executives, and authorized management staff. Contact your system administrator if the Executive Dashboard is not visible after logging in
Welcome Message
Upon logging in, the Executive Dashboard displays a personalized welcome message showing the current user's name alongside their last login time and date. This allows users to quickly verify their most recent session and detect any unauthorized access to their account
Deposit By Customer Type
The Deposit By Customer Type widget displays the total deposit count and corresponding amount for each customer segment in the institution. This breakdown gives executives a clear picture of where deposits are concentrated, supporting decisions around customer engagement and deposit mobilization strategies.
The following customer segments are displayed:
Corporate
Group
Group Joint
Individual
Group SME
Loan Portfolio Summary
The Loan Portfolio Summary provides a real-time snapshot of the institution's entire loan book. It displays the following metrics:
Total Loans Disbursed: the cumulative value of all loans released to borrowers
Total Principal Outstanding: the remaining loan principal yet to be repaid across all active loans
Total Interest Outstanding: the total interest accrued but not yet collected
Total Principal Paid: the cumulative principal amount repaid by borrowers to date
Total Principal Due and Unpaid: principal amounts that have passed their due date without payment
Total Principal Not Yet Due: principal scheduled for future repayment that has not yet fallen due
Together these figures give decision-makers a complete picture of the institution's lending activity, repayment performance, and exposure at any given point in time.
Loan Awaiting Disbursement
The Loan Awaiting Disbursement widget displays the total number of approved loans that are pending disbursement. This figure updates in real time, allowing administrators to track and prioritize pending loan releases efficiently. A consistently high number may indicate bottlenecks in the disbursement process that require attention.
NPL Ratio
The NPL Ratio displays the percentage of loans in the institution's portfolio that are in default or at risk of default. A lower NPL ratio indicates a healthier loan portfolio, while a higher ratio signals increased credit risk requiring immediate attention. This metric updates in real time, enabling executives and risk managers to monitor portfolio quality and take prompt corrective action where necessary.
Customer Growth Analytics
The Customer Growth Analytics widget displays a line graph tracking customer acquisition growth over time. Users can filter the data by year using the year selector at the top right of the widget. The graph highlights monthly fluctuations in customer growth, enabling administrators to identify trends, evaluate the effectiveness of customer acquisition strategies, and make data-driven decisions to drive institutional growth.
Recent Activities
The Recent Activities widget displays a real-time timeline of system events, including user actions and updates to customer account limits. Each entry shows the activity type and the exact time it occurred. To view the complete activity log, click the View All button at the bottom of the widget.
Last Logged-in Users
The Last Logged-in Users table provides a record of the ten most recent users who accessed the Udara360 platform. For each user, the following details are displayed:
S/N: sequential number
Name: the full name of the user
Branch: the branch the user is assigned to
Role: the user's system role
Time Logged In: the exact date and time of their last login
This widget supports security oversight by allowing administrators to monitor access patterns and identify any unusual or unauthorized login activity across the institution.
Note: This table contains user identity information. Screenshots of this widget should not be included in published documentation or shared externally.
Balance Sheet Snapshot
The Balance Sheet Snapshot gives executives an instant view of the institution's financial position at a glance. It displays three core categories:
Asset: the total value of everything the institution owns or is owed
Liability: the total value of the institution's financial obligations to external parties
Capital: the net value remaining after liabilities are deducted from assets, representing the institution's equity position
This snapshot enables senior management to assess the overall financial strength of the institution without navigating to a full financial report.
Income Statement Snapshot
The Income Statement Snapshot provides a summary of the institution's financial performance over the current period. It displays the following:
Income: total revenue generated by the institution
Expense: total costs incurred during the period
Profit or Loss: the net financial result after expenses are deducted from income
A positive figure indicates profitability, while a negative figure signals a net loss requiring strategic review.
Account Stats By Status
The Account Stats By Status widget displays a pie chart showing the distribution of customer accounts across all status categories, giving executives a quick visual overview of the institution's account portfolio health.
The following account statuses are represented:
Active: accounts currently in use with regular transactions
Closed: accounts that have been permanently deactivated
Dormant: accounts with no transaction activity over a defined period
Frozen: accounts temporarily restricted from transactions pending review
Inactive: accounts with limited or no recent activity
PNC: Post No Credit accounts restricted from receiving deposits
PND: Post No Debit accounts restricted from making withdrawals
Customers By Gender
The Customers By Gender widget displays a pie chart showing the demographic breakdown of the institution's customer base by gender. The chart categorizes customers into three groups:
Female
Male
Others
This data supports strategic planning around customer inclusivity, targeted product development, and demographic reporting to regulatory bodies.
Loan Portfolio Risk Summary
The Loan Portfolio Risk Summary provides a breakdown of the institution's loan portfolio by risk classification. Each classification reflects the likelihood of repayment and the level of intervention required:
Performing: loans being repaid on schedule with no cause for concern
Pass and Watch: loans showing early signs of stress that require monitoring
Substandard: loans with clear repayment difficulties requiring active management
Doubtful: loans where full recovery is uncertain and provisions may be required
Lost: loans considered unrecoverable and written off or provisioned in full
This breakdown enables risk managers and executives to assess the quality of the loan book and determine appropriate provisioning and recovery strategies.
Portfolio At Risk Summary
The Portfolio At Risk (PAR) Summary measures the proportion of the loan portfolio that is at risk of default, broken down by the number of days payments are overdue:
PAR 7 Days: loans overdue by 7 days or more
PAR 30 Days: loans overdue by 30 days or more
PAR 60 Days: loans overdue by 60 days or more
PAR 90 Days: loans overdue by 90 days or more
PAR 180 Days: loans overdue by 180 days or more
PAR 360 Days: loans overdue by 360 days or more
A rising PAR figure across any time bucket is an early warning indicator that warrants immediate review of the institution's loan recovery and collections strategy.
Asset Quality Ratio
The Asset Quality Ratio widget displays three key ratios that measure the relationship between the institution's loans, deposits, and savings:
Percentage of Loans to Deposits indicates how much of the institution's deposit base has been deployed as loans. A high ratio may signal liquidity risk
Micro Loan as a Percentage of Total Loan shows the proportion of the loan book dedicated to micro lending products
Savings as a Percentage of Total Deposits reflects how much of total deposits are held in savings products
These ratios help executives assess the institution's liquidity position, lending concentration, and deposit structure at a glance.
Top 10 Depositors
The Top 10 Depositors table identifies the institution's ten largest depositors by ledger balance. For each depositor, the following information is displayed:
S/N: sequential number
Account Number: the depositor's account number
Account Name: the name of the depositor
Product Type: the account product the depositor holds
Ledger Balance: the current balance in the account
% of Total Deposits: the depositor's share of the institution's total deposit base
This widget highlights deposit concentration risk, if a significant portion of total deposits is held by a small number of customers, the institution may be vulnerable to sudden liquidity pressure if those customers withdraw.
Note: This table contains customer account information. Screenshots of this widget should not be included in published documentation or shared externally.
Top 10 Risk Exposures To Customers
The Top 10 Risk Exposures to Customers table identifies the ten customers with the highest outstanding loan balances, representing the institution's largest credit risk concentrations. The following details are displayed for each customer:
S/N: sequential number
Account Number: the customer's account number
Account Name: the name of the customer
Product Type: the loan product associated with the exposure
Outstanding Balance: the total amount currently owed by the customer
% of Total Exposures: the customer's share of the institution's total loan exposure
Monitoring this table helps risk managers identify single-borrower concentration risks and ensure compliance with regulatory exposure limits.
Note: This table contains customer account information. Screenshots of this widget should not be included in published documentation or shared externally.
BVN & NIN Compliance
The BVN & NIN Compliance widget displays a bar chart showing the compliance status of the institution's customer base across account tiers, in line with Central Bank of Nigeria (CBN) regulatory requirements. The chart categorizes customers into four compliance groups:
Has BVN Only: customers verified with a Bank Verification Number only
Has NIN Only: customers verified with a National Identification Number only
Has BVN and NIN: customers fully verified with both identifiers
No BVN and No NIN: customers with no verification on record, representing a compliance risk
The data is broken down across Tier 1, Tier 2, Tier 3, and a Total column, giving compliance officers and executives a clear view of KYC gaps that require immediate remediation to meet CBN regulatory standards.
Best Practices
Review the Executive Dashboard at the start of each business day, the NPL Ratio, Portfolio At Risk Summary, and Balance Sheet Snapshot provide an immediate view of the institution's financial health and any risks that need attention
Monitor the Portfolio At Risk Summary across all time buckets regularly, a rising PAR figure in the shorter time buckets (PAR 7 and PAR 30) is an early warning sign that requires prompt action from the collections and recovery team
Use the BVN & NIN Compliance widget to track KYC gaps across account tiers, institutions with high levels of unverified customers face regulatory risk from the CBN and should prioritize remediation
Pay close attention to the Top 10 Depositors widget, a high deposit concentration in a small number of accounts represents a liquidity risk that should be factored into the institution's liquidity management strategy
The Income Statement Snapshot provides a period-to-date view, cross-reference it with the full Income Statement report in the Reports section for a complete picture of financial performance
Troubleshooting
Executive Dashboard not visible in the sidebar
Your user role may not include access to the Executive Dashboard
Contact your system administrator to verify your role permissions
Widgets showing no data
No records may have been posted yet, or a data sync issue may have occurred
Confirm with your system administrator that data has been posted and that there are no active sync issues
NPL Ratio or PAR figures appear unusually high
Recent loan defaults, data entry errors, or unposted reversals may have affected the figures
Review the loan portfolio in the LMS section and consult your risk management team
Balance Sheet or Income Statement figures appear incorrect
End of period postings or adjustments may not have been fully processed
Confirm with your finance team that all period-end postings have been completed
BVN & NIN Compliance chart showing a high number of unverified customers
Customer onboarding may not have captured BVN or NIN details at account opening
Initiate a KYC remediation exercise and contact your system administrator to update customer verification records
Last Logged-in Users table not reflecting recent logins
The widget may need a refresh to display the most recent activity
Refresh the page, if the issue persists contact your system administrator
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