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For the complete documentation index, see llms.txt. This page is also available as Markdown.

Executive Dashboard

The Executive Dashboard provides you with 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.

Welcome Message

Upon logging in, the Executive Dashboard displays a personalised welcome message showing your user name alongside your last login, time, and date. This allows you to quickly verify your most recent session and detect any unauthorized access to your 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.

The following customer segments are displayed as:

  • 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

  • Total Principal Outstanding

  • Total Interest Outstanding

  • Total Principal Paid

  • Total Principal Due and Unpaid

  • Total Principal Not Yet Due

Note: These figures give you 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 you to track and prioritize pending loan releases efficiently.

Note: A consistently high number may indicate bottlenecks in the disbursement process that might 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. This metric updates in real time, enabling you 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. The graph highlights monthly fluctuations in customer growth, enabling you to identify trends, and make data-driven decisions to drive institutional growth.

Recent Activities

The Recent Activities widget displays a real-time timeline of system events, including your 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 access on the Udara360 platform. For each access, the following details are displayed:

  • S/N

  • Name

  • Branch

  • Role

  • Time Logged In

This widget supports security oversight by allowing you to monitor access patterns and identify any unusual or unauthorized login activity across the institution.

Balance Sheet Snapshot

The Balance Sheet Snapshot gives you an instant view of the institution's financial position at a glance. It displays three core categories:

  • Asset

  • Liability

  • Capital

This snapshot enables you 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

  • Expense

  • Profit or Loss

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 you a quick visual overview of the institution's account portfolio health.

The following account statuses are represented:

  • Active

  • Closed

  • Dormant

  • Frozen

  • Inactive

  • PNC

  • PND

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 you 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

  • PAR 30 Days

  • PAR 60 Days

  • PAR 90 Days

  • PAR 180 Days

  • PAR 360 Days

Note: 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

  • Micro Loan as a Percentage of Total Loan

  • Savings as a Percentage of Total Deposits

These ratios help you 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

  • Account Number

  • Account Name

  • Product Type

  • Ledger Balance

  • Percentage of Total Deposits

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.

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

  • Account Number

  • Account Name

  • Product Type

  • Outstanding Balance

  • Percentage of Total Exposures

Monitoring this table helps you identify single-borrower concentration risks and ensure compliance with regulatory exposure limits.

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

  • Has NIN Only

  • Has BVN and NIN

  • No BVN and No NIN

The data is broken down across Tier 1, Tier 2, Tier 3, and a Total column, giving you a clear view of KYC gaps that require immediate remediation to meet CBN regulatory standards.

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