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Q4 2024

Quarterly report · 2024-10-01 → 2024-12-31
AEON Consumer Finance Vietnam — Quarterly report, Q4 2024
Prepared for Vu Tuan Minh (CEO) (exec), scoped to ACF
Generated 2026-09-24 12:35 UTC by the ACF KPI platform
PROTOTYPE — MOCK DATA. Figures are generated fixtures derived from the registry, not ACF actuals.
Controlled export: this download is recorded in the audit log (R-S-08).

1 · Exceptions as at 2024-12-31

METRICDEPTPRIORITYSTATEVALUETARGETWHY
CG-01 Direct Disbursement Ratio (DDR)Corporate GovernanceP1Off target61.6630Regulatory threshold. Not a prioritisation choice.
CG-01B Direct Disbursement Ratio (flow basis)Corporate GovernanceP2Off target44.0930Regulatory threshold. Not a prioritisation choice.
CR-05 Provision expense vs budgetCredit Risk & Portfolio ManagementP1Off target56.76100Off the agreed target.
CR-09 Gross NPL before write-off + write-off volumeCredit Risk & Portfolio ManagementP1Off target27.924Off the agreed target.
CO-09 Conduct / complaint rateCollections / Debt RecoveryP2Off target42.970Off the agreed target.
OP-09 Double-disbursement incidentsOperations DepartmentP2Off target4738.460Off the agreed target.
CO-02 Roll-forward rateCollections / Debt RecoveryP3Off target3.253Off the agreed target.
CR-07 Merchant NST monitoringCredit Risk & Portfolio ManagementP3Off target3.963Off the agreed target.
FN-06 Close cycle daysFinance & AccountingP3Off target2765.832Off the agreed target.
FN-08 STRAVIS submission timelinessFinance & AccountingP3Off target9.44100Off the agreed target.
IT-12 DR test currencyIT Infrastructure & OperationsP3Off target6.38180Off the agreed target.
OP-08 Monthly archive reconciliation completedOperations DepartmentP3Off target55.46100Off the agreed target.
OP-11 T+1 fee reconciliation completedOperations DepartmentP3Off target0.96100Off the agreed target.
AP-10 QA sample pass rateAppraisal / UnderwritingP4Off target50.9795Off the agreed target — a target Ikigai proposed, not one ACF agreed.
CG-06 Policy currencyCorporate GovernanceP4Off target37.5895Off the agreed target — a target Ikigai proposed, not one ACF agreed.
CG-07 Open audit findings ageingCorporate GovernanceP4Off target4274.770Off the agreed target — a target Ikigai proposed, not one ACF agreed.
IT-04 P1 incident response vs SLAIT Infrastructure & OperationsP4Off target0.8595Off the agreed target — a target Ikigai proposed, not one ACF agreed.
IT-09 Change success rateIT Infrastructure & OperationsP4Off target62.5495Off the agreed target — a target Ikigai proposed, not one ACF agreed.
IT-10 Reopened-incident rateIT Infrastructure & OperationsP4Off target55.975Off the agreed target — a target Ikigai proposed, not one ACF agreed.
OP-02 Maker/checker SLA adherenceOperations DepartmentP5Off target45.0995Off the agreed target — a target Ikigai proposed, not one ACF agreed.
OP-07 Paper contract received within 5 working daysOperations DepartmentP5Off target4.2698Off the agreed target — a target Ikigai proposed, not one ACF agreed.

2 · What changed since Q3 2024

3 · How much could be measured at all

Certified 0 · managed 23 · manual 110 · unmeasured 7. 101 have no agreed target. 28 of 140 could be scored.

4 · Feeds needing action

5 · Campaigns touching this period

None.

6 · What this report cannot tell you