2026 report — ACF KPI

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2026

1 · Exceptions as at 2026-12-31

METRIC	DEPT	PRIORITY	STATE	VALUE	TARGET	WHY
CG-01 Direct Disbursement Ratio (DDR)	Corporate Governance	P1	Off target	67.37	30	Regulatory threshold. Not a prioritisation choice.
CG-01B Direct Disbursement Ratio (flow basis)	Corporate Governance	P2	Off target	48.9	30	Regulatory threshold. Not a prioritisation choice.
CG-05 AML report submission status	Corporate Governance	P2	Stale	23.88	100	Last known state, not a current one — the feed stopped.
CR-05 Provision expense vs budget	Credit Risk & Portfolio Management	P1	Off target	64.99	100	Off the agreed target.
CR-09 Gross NPL before write-off + write-off volume	Credit Risk & Portfolio Management	P1	Off target	28.43	4	Off the agreed target.
CO-09 Conduct / complaint rate	Collections / Debt Recovery	P2	Off target	29.43	0	Off the agreed target.
OP-09 Double-disbursement incidents	Operations Department	P2	Off target	4635.45	0	Off the agreed target.
CO-02 Roll-forward rate	Collections / Debt Recovery	P3	Off target	3.52	3	Off the agreed target.
CR-07 Merchant NST monitoring	Credit Risk & Portfolio Management	P3	Off target	4.26	3	Off the agreed target.
FN-06 Close cycle days	Finance & Accounting	P3	Off target	3001.53	2	Off the agreed target.
FN-08 STRAVIS submission timeliness	Finance & Accounting	P3	Off target	7.43	100	Off the agreed target.
IT-12 DR test currency	IT Infrastructure & Operations	P3	Off target	8.56	180	Off the agreed target.
OP-08 Monthly archive reconciliation completed	Operations Department	P3	Off target	70.39	100	Off the agreed target.
OP-11 T+1 fee reconciliation completed	Operations Department	P3	Off target	0.74	100	Off the agreed target.
AP-10 QA sample pass rate	Appraisal / Underwriting	P4	Off target	51.62	95	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
CG-06 Policy currency	Corporate Governance	P4	Off target	37.11	95	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
CG-07 Open audit findings ageing	Corporate Governance	P4	Off target	3866.59	0	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
IT-04 P1 incident response vs SLA	IT Infrastructure & Operations	P4	Off target	0.71	95	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
IT-09 Change success rate	IT Infrastructure & Operations	P4	Off target	59.4	95	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
IT-10 Reopened-incident rate	IT Infrastructure & Operations	P4	Off target	46.71	5	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
OP-02 Maker/checker SLA adherence	Operations Department	P5	Off target	45.95	95	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
OP-07 Paper contract received within 5 working days	Operations Department	P5	Off target	4.41	98	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
NS-02 Active POS count	National Sales Network	P5	Stale	587.38		Last known state, not a current one — the feed stopped.
OP-10 Unmatched payment rate	Operations Department	P5	Stale	19.92		Last known state, not a current one — the feed stopped.

5 · Campaigns touching this period

Contactability, H2 (Telesales, running) — GOAL MISSED — The window mean does not meet the goal.
Consent-capture sprint (Telesales, closed) — UNEVALUABLE — 1 reported point inside the campaign and 2 in the baseline; 2 are needed in each.
DR readiness, spring (IT Infrastructure & Operations, closed) — GOAL MISSED — The window mean does not meet the goal.
Q1 approval-rate push (Credit Risk & Portfolio Management, closed) — GOAL MET · GUARD BREACHED — The goal was met AND a guard moved the wrong way inside the same window.
Operations throughput, Nov–Jan (Operations Department, closed) — GOAL MET — The window mean meets the goal, and no declared guard moved adversely.

6 · What this report cannot tell you

28 of 140 metrics in your scope could be scored at all (20%). This report describes those; the rest have no agreed target, no reported value, or a target of zero that a ratio cannot express (Q-34).
Nothing in your scope is CERTIFIED. 110 metrics are assembled by hand and 7 are not measured at all, so every figure above is at best MANAGED (R-G-07).
101 metrics have no agreed target, so they cannot appear as exceptions however they are performing. Absence from the exception list is not evidence of health.
14 of the targets these variances are measured against were proposed by Ikigai and have not been agreed by ACF (T-01).

2026

1 · Exceptions as at 2026-12-31

2 · What changed since 2025

3 · How much could be measured at all

4 · Feeds needing action

5 · Campaigns touching this period

6 · What this report cannot tell you