People & Learning
Weighted 10% of the company scorecard. That weight is Ikigai’s reading of Decision 184/2023 applied at company level (T-01); Q-24 asks whether it is board-approved or ours. The arithmetic below re-runs unchanged when ACF sets the real weights.
Both are the unweighted mean of whatever can be scored — A-30, Ikigai’s formula, not ACF’s. Neither is weighted by priority band: a band decides where attention goes in the simulator, and letting it move the score too would mean the number changed when nothing measured changed.
These two numbers differ, and only the left one is on the company scorecard. The BSC averages the 2 metrics the card names; the right-hand figure averages all 19 in the perspective. The card shows this perspective as a gap — none of its named metrics can be scored — while the wider registry does contain 1 that can. A gap and a number are not the same claim, and the gap is the honest one for the scorecard.
The 10% this perspective carries is split among its members by priority band (13 §A.3). Of that, 97% sits on metrics that cannot be scored at all — so no weighting, however it is set, can reach it. That is the single number that explains why the strategy simulator barely moves.
- P2HR-02Attrition split by contract type— No agreed target — there is nothing to be off until the metric owner sets one
- P2NS-04Sales-officer productivity— No agreed target — there is nothing to be off until the metric owner sets one
- P3AP-12KRI 376/2024 — fraud/collusion detected— Zero target — a ratio score against zero is undefined (Q-34)
- P4AP-07Throughput per underwriter— No agreed target — there is nothing to be off until the metric owner sets one
- P4TS-10Agent productivity (VND per agent)— No agreed target — there is nothing to be off until the metric owner sets one
- P4TS-11Agent attrition (collaborator vs labour)— No agreed target — there is nothing to be off until the metric owner sets one
| METRIC | PRIORITY | SHARE | STATE | VALUE VS TARGET | SCORE | CONTRIBUTES? |
|---|---|---|---|---|---|---|
| Attrition split by contract typeON THE COMPANY CARD HR-02 · HR & Administration · KRI · LEAD | P2 | 13.3% | No target◇MANUAL | 89.5 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Sales-officer productivityON THE COMPANY CARD NS-04 · National Sales Network · KPI · LAG | P2 | 13.3% | No target◇MANUAL | 341.5 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| KRI 376/2024 — fraud/collusion detected AP-12 · Appraisal / Underwriting · KRI · LAG | P3 | 10.0% | On target◇MANUAL | 0 vs 0 | — | ✕ Zero target — a ratio score against zero is undefined (Q-34) |
| Throughput per underwriter AP-07 · Appraisal / Underwriting · KPI · LAG | P4 | 6.7% | No target◈MANAGED | 2,015.7 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Agent productivity (VND per agent) TS-10 · Telesales · KPI · LAG | P4 | 6.7% | No target◈MANAGED | 725.4 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Agent attrition (collaborator vs labour) TS-11 · Telesales · KRI · LEAD | P4 | 6.7% | No target◇MANUAL | 85.1% vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Collector productivity CO-08 · Collections / Debt Recovery · KPI · LAG | P5 | 3.3% | No target◇MANUAL | 14.6 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Scorecard discriminatory power (GINI/KS) CR-08 · Credit Risk & Portfolio Management · KRI · LEAD | P5 | 3.3% | On target◇MANUAL | 42.1% vs 30.0% | 130 | ✓ in the mean |
| ECL / IFRS-9 readiness CR-12 · Credit Risk & Portfolio Management · KPI · LAG | P5 | 3.3% | No target◇MANUAL | 3,069.2 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Headcount vs plan HR-01 · HR & Administration · KPI · LEAD | P5 | 3.3% | No target◇MANUAL | 637 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Collaborator share of workforce HR-03 · HR & Administration · KRI · LEAD | P5 | 3.3% | No target◇MANUAL | 19.4% vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Time to fill HR-04 · HR & Administration · KPI · LEAD | P5 | 3.3% | No target◇MANUAL | 75.3% vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Appraisal cycle completion HR-05 · HR & Administration · KPI · LAG | P5 | 3.3% | No target◇MANUAL | 3,727.3 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Training coverage HR-06 · HR & Administration · KPI · LEAD | P5 | 3.3% | No data◇MANUAL | — vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Span of control by division HR-07 · HR & Administration · KRI · LEAD | P5 | 3.3% | No target◇MANUAL | 154.5 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Key-role vacancy HR-08 · HR & Administration · KRI · LEAD | P5 | 3.3% | No target◇MANUAL | 270.2 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Tenure profile HR-09 · HR & Administration · KPI · LAG | P5 | 3.3% | No target◇MANUAL | 1.4 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Sales headcount vs plan NS-05 · National Sales Network · KPI · LEAD | P5 | 3.3% | No target◇MANUAL | 122.2 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
| Span of control NS-09 · National Sales Network · KRI · LEAD | P5 | 3.3% | No target◇MANUAL | 7.8 vs — | — | ✕ No agreed target — there is nothing to be off until the metric owner sets one |
18 of 19 cannot contribute to the score above. A perspective number computed from the rest is not wrong — it is narrower than it looks, and this table is the width of it.