QUARTERLY REPORT · 2024-10-01 → 2024-12-31

Q4 2024

Prepared for Vu Tuan Minh (CEO) (exec), scoped to ACF · generated 2026-09-24 12:00 UTC · PROTOTYPE — MOCK DATA. Another reader gets a different document.

Download CSV Print view (→ PDF)← Q3 2024

1 · EXCEPTIONS AS AT 2024-12-31 — 21 OF 140 METRICS IN SCOPE

METRIC	PRIORITY	STATE	VALUE VS TARGET	WHY IT IS HERE
Direct Disbursement Ratio (DDR)REG CG-01 · Corporate Governance	P1	✕ Off target	61.7% vs 30.0%	Regulatory threshold. Not a prioritisation choice.
Direct Disbursement Ratio (flow basis)REG CG-01B · Corporate Governance	P2	✕ Off target	44.1% vs 30.0%	Regulatory threshold. Not a prioritisation choice.
Provision expense vs budget CR-05 · Credit Risk & Portfolio Management	P1	✕ Off target	56.8% vs 100.0%	Off the agreed target.
Gross NPL before write-off + write-off volume CR-09 · Credit Risk & Portfolio Management	P1	✕ Off target	27.9 vs 4	Off the agreed target.
Conduct / complaint rate CO-09 · Collections / Debt Recovery	P2	✕ Off target	43.0% vs 0.0%	Off the agreed target.
Double-disbursement incidents OP-09 · Operations Department	P2	✕ Off target	4,738.5 vs 0	Off the agreed target.
Roll-forward rate CO-02 · Collections / Debt Recovery	P3	✕ Off target	3.3% vs 3.0%	Off the agreed target.
Merchant NST monitoring CR-07 · Credit Risk & Portfolio Management	P3	✕ Off target	4.0% vs 3.0%	Off the agreed target.
Close cycle days FN-06 · Finance & Accounting	P3	✕ Off target	2,765.8 vs 2	Off the agreed target.
STRAVIS submission timeliness FN-08 · Finance & Accounting	P3	✕ Off target	9.4% vs 100.0%	Off the agreed target.
DR test currency IT-12 · IT Infrastructure & Operations	P3	✕ Off target	6.4 vs 180	Off the agreed target.
Monthly archive reconciliation completed OP-08 · Operations Department	P3	✕ Off target	55.5% vs 100.0%	Off the agreed target.
T+1 fee reconciliation completed OP-11 · Operations Department	P3	✕ Off target	1.0% vs 100.0%	Off the agreed target.
QA sample pass rate AP-10 · Appraisal / Underwriting	P4	✕ Off target	51.0% vs 95.0%	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
Policy currency CG-06 · Corporate Governance	P4	✕ Off target	37.6% vs 95.0%	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
Open audit findings ageing CG-07 · Corporate Governance	P4	✕ Off target	4,274.8 vs 0	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
P1 incident response vs SLA IT-04 · IT Infrastructure & Operations	P4	✕ Off target	0.8% vs 95.0%	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
Change success rate IT-09 · IT Infrastructure & Operations	P4	✕ Off target	62.5% vs 95.0%	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
Reopened-incident rate IT-10 · IT Infrastructure & Operations	P4	✕ Off target	56.0% vs 5.0%	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
Maker/checker SLA adherence OP-02 · Operations Department	P5	✕ Off target	45.1% vs 95.0%	Off the agreed target — a target Ikigai proposed, not one ACF agreed.
Paper contract received within 5 working days OP-07 · Operations Department	P5	✕ Off target	4.3% vs 98.0%	Off the agreed target — a target Ikigai proposed, not one ACF agreed.

2 · WHAT CHANGED SINCE Q3 2024

QA sample pass rateNo data → Off target · Appraisal / Underwriting
Direct Disbursement Ratio (DDR)No data → Off target · Corporate Governance
Direct Disbursement Ratio (flow basis)No data → Off target · Corporate Governance
Policy currencyNo data → Off target · Corporate Governance
Open audit findings ageingNo data → Off target · Corporate Governance
Roll-forward rateNo data → Off target · Collections / Debt Recovery
Conduct / complaint rateNo data → Off target · Collections / Debt Recovery
Provision expense vs budgetNo data → Off target · Credit Risk & Portfolio Management
Merchant NST monitoringNo data → Off target · Credit Risk & Portfolio Management
Gross NPL before write-off + write-off volumeNo data → Off target · Credit Risk & Portfolio Management
Close cycle daysNo data → Off target · Finance & Accounting
STRAVIS submission timelinessNo data → Off target · Finance & Accounting
P1 incident response vs SLANo data → Off target · IT Infrastructure & Operations
Change success rateNo data → Off target · IT Infrastructure & Operations
Reopened-incident rateNo data → Off target · IT Infrastructure & Operations
DR test currencyNo data → Off target · IT Infrastructure & Operations
Maker/checker SLA adherenceNo data → Off target · Operations Department
Paper contract received within 5 working daysNo data → Off target · Operations Department
Monthly archive reconciliation completedNo data → Off target · Operations Department
Double-disbursement incidentsNo data → Off target · Operations Department
T+1 fee reconciliation completedNo data → Off target · Operations Department
Applications receivedNo data → No target · Appraisal / Underwriting
Approval ratioNo data → No target · Appraisal / Underwriting
TAT — Installment CDNo data → No target · Appraisal / Underwriting
TAT — ACS cross-sellNo data → No target · Appraisal / Underwriting
TAT — Cash NTBNo data → No target · Appraisal / Underwriting
Decline-reason mixNo data → No target · Appraisal / Underwriting
Throughput per underwriterNo data → No target · Appraisal / Underwriting
Score-band cut-off adherenceNo data → On target · Appraisal / Underwriting
FPD5+ on approved vintageNo data → On target · Appraisal / Underwriting
KRI 376/2024 — assessment errorsNo data → On target · Appraisal / Underwriting
KRI 376/2024 — fraud/collusion detectedNo data → On target · Appraisal / Underwriting
Partner contract cycle timeNo data → No target · Business Management
POS onboarding TATNo data → No target · Business Management
Partner concentrationNo data → No target · Business Management
Subsidy cost on 0% schemesNo data → No target · Business Management
Subsidy-to-rate conversion governanceNo data → No target · Business Management
Active partner count by tierNo data → No target · Business Management
Scheme coverage per POSNo data → No target · Business Management
Dealer exclusion / blacklist hitsNo data → No target · Business Management
NPL — Circular 31 basisNo data → No target · Corporate Governance
Provision coverageNo data → On target · Corporate Governance
CARNo data → No target · Corporate Governance
AML report submission statusNo data → On target · Corporate Governance
Operational-risk loss eventsNo data → No target · Corporate Governance
Collection conduct / complaint rateNo data → No target · Corporate Governance
Data-subject / consent exceptionsNo data → On target · Corporate Governance
Resolved rate by bucketNo data → No target · Collections / Debt Recovery
Roll-back / cure rateNo data → No target · Collections / Debt Recovery
Recovery amount vs targetNo data → No target · Collections / Debt Recovery
Portfolio coverageNo data → No target · Collections / Debt Recovery
Contact rateNo data → No target · Collections / Debt Recovery
PTP kept rateNo data → No target · Collections / Debt Recovery
Collector productivityNo data → No target · Collections / Debt Recovery
Call-window complianceNo data → On target · Collections / Debt Recovery
Cost to collectNo data → No target · Collections / Debt Recovery
Waiver volume and approval levelNo data → No target · Collections / Debt Recovery
FPD5+ by vintageNo data → On target · Credit Risk & Portfolio Management
Vintage loss curvesNo data → No target · Credit Risk & Portfolio Management
Roll rates by bucketNo data → No target · Credit Risk & Portfolio Management
NPL by productNo data → No target · Credit Risk & Portfolio Management
Provision coverageNo data → No target · Credit Risk & Portfolio Management
Scorecard discriminatory power (GINI/KS)No data → On target · Credit Risk & Portfolio Management
Restructuring volumeNo data → No target · Credit Risk & Portfolio Management
Risk-appetite threshold statusNo data → No target · Credit Risk & Portfolio Management
ECL / IFRS-9 readinessNo data → No target · Credit Risk & Portfolio Management
PBT vs budgetNo data → No target · Finance & Accounting
Operating revenue vs budgetNo data → On target · Finance & Accounting
Net spreadNo data → No target · Finance & Accounting
Cost-to-income ratioNo data → No target · Finance & Accounting
Lending balance vs planNo data → On target · Finance & Accounting
Budget-vs-actual by divisionNo data → No target · Finance & Accounting
% of regulatory reports produced manuallyNo data → On target · Finance & Accounting
Funding concentrationNo data → No target · Finance & Accounting
Capital adequacy headroomNo data → No target · Finance & Accounting
Fraud decline rateNo data → No target · Fraud Prevention & Investigation
Pre-disbursement rejectionsNo data → No target · Fraud Prevention & Investigation
Investigation casesNo data → No target · Fraud Prevention & Investigation
Typology mixNo data → No target · Fraud Prevention & Investigation
Detection lagNo data → No target · Fraud Prevention & Investigation
Blacklist hit rateNo data → No target · Fraud Prevention & Investigation
Loss avoided vs loss incurredNo data → No target · Fraud Prevention & Investigation
eKYC false-accept incidentsNo data → No target · Fraud Prevention & Investigation
Ex-employee access retentionNo data → No target · Fraud Prevention & Investigation
Headcount vs planNo data → No target · HR & Administration
Attrition split by contract typeNo data → No target · HR & Administration
Collaborator share of workforceNo data → No target · HR & Administration
Time to fillNo data → No target · HR & Administration
Appraisal cycle completionNo data → No target · HR & Administration
Training coverageNo data → No target · HR & Administration
Span of control by divisionNo data → No target · HR & Administration
Key-role vacancyNo data → No target · HR & Administration
Tenure profileNo data → No target · HR & Administration
MTTR by severityNo data → No target · IT Infrastructure & Operations
Incident volume by root causeNo data → No target · IT Infrastructure & Operations
Reconciliation match rateNo data → No target · IT Infrastructure & Operations
POS activation rateNo data → No target · National Sales Network
Active POS countNo data → No target · National Sales Network
Disbursement per active POSNo data → No target · National Sales Network
Sales-officer productivityNo data → No target · National Sales Network
Sales headcount vs planNo data → No target · National Sales Network
New POS onboarding TATNo data → No target · National Sales Network
Region variance in activationNo data → No target · National Sales Network
Merchant concentrationNo data → No target · National Sales Network
Span of controlNo data → No target · National Sales Network
FPD5+ by POSNo data → No target · National Sales Network
Disbursement TAT by stepNo data → No target · Operations Department
Disbursements per dayNo data → No target · Operations Department
eKYC success rateNo data → No target · Operations Department
eSign completion rateNo data → No target · Operations Department
Rejection at disbursementNo data → On target · Operations Department
Unmatched payment rateNo data → No target · Operations Department
Customer complaint resolution TATNo data → No target · Operations Department
Disbursement by schemeNo data → No target · Product Development & Marketing
Yield by schemeNo data → No target · Product Development & Marketing
Standard-scheme mixNo data → No target · Product Development & Marketing
Insurance attachment rateNo data → No target · Product Development & Marketing
Insurance premium ratioNo data → No target · Product Development & Marketing
Scheme profitabilityNo data → No target · Product Development & Marketing
Time-to-launch a schemeNo data → No target · Product Development & Marketing
Insurance conduct indicatorNo data → No target · Product Development & Marketing
Scheme concentrationNo data → No target · Product Development & Marketing
Dials per agent per dayNo data → No target · Telesales
Contactability rateNo data → No target · Telesales
Consent rateNo data → On target · Telesales
Refusal rateNo data → No target · Telesales
Lead → application conversionNo data → No target · Telesales
Application → disbursement conversionNo data → No target · Telesales
Average ticket sizeNo data → No target · Telesales
FPD5+ on telesales-originated vintageNo data → On target · Telesales
Agent productivity (VND per agent)No data → No target · Telesales
Agent attrition (collaborator vs labour)No data → No target · Telesales
Average handling timeNo data → No target · Telesales

3 · HOW MUCH OF THIS COULD BE MEASURED AT ALL

◆ CERTIFIED

◈ MANAGED

110

◇ MANUAL

○ UNMEASURED

101

NO AGREED TARGET

4 · FEEDS NEEDING ACTION

Telesales — StringeeX dailysuspended
3 consecutive missed windows — auto-suspended 2026-09-22 05:00 +07
Appraisal — daily decision reportfailing
2 consecutive failures, 0 missed windows. Last delivery 2026-09-22.
National Sales Network — POS registernever run
Registered and has never delivered.

5 · CAMPAIGNS TOUCHING THIS PERIOD

None in your scope.

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).

Computed from your own scope, not written once as boilerplate — which is why the numbers in it change when you change persona.