← Reports
YEARLY REPORT · 2015-01-01 → 2015-12-31
2015
Prepared for Vu Tuan Minh (CEO) (exec), scoped to ACF · generated 2026-09-24 15:24 UTC · PROTOTYPE — MOCK DATA. Another reader gets a different document.
1 · EXCEPTIONS AS AT 2015-12-31 — 6 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 | ○ No data | — vs 30.0% | Regulatory metric with no value in this period. |
| NPL — Circular 31 basisREG CG-02 · Corporate Governance | P1 | ○ No data | — vs — | Regulatory metric with no value in this period. |
| Direct Disbursement Ratio (flow basis)REG CG-01B · Corporate Governance | P2 | ○ No data | — vs 30.0% | Regulatory metric with no value in this period. |
| Provision coverageREG CG-03 · Corporate Governance | P2 | ○ No data | — vs 9.0% | Regulatory metric with no value in this period. |
| CARREG CG-04 · Corporate Governance | P2 | ○ No data | — vs — | Regulatory metric with no value in this period. |
| AML report submission statusREG CG-05 · Corporate Governance | P2 | ○ No data | — vs 100.0% | Regulatory metric with no value in this period. |
2 · WHAT CHANGED SINCE 2014
No metric in your scope changed state between the two periods.
3 · HOW MUCH OF THIS COULD BE MEASURED AT ALL
0
◆ CERTIFIED
23
◈ MANAGED
110
◇ MANUAL
7
○ UNMEASURED
101
NO AGREED TARGET
4 · FEEDS NEEDING ACTION
- Telesales — StringeeX dailysuspended3 consecutive missed windows — auto-suspended 2026-09-22 05:00 +07
- Appraisal — daily decision reportfailing2 consecutive failures, 0 missed windows. Last delivery 2026-09-22.
- National Sales Network — POS registernever runRegistered 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.