EVALUATION AID
Tile states
A mock where everything is green produces a useless evaluation. These are the states that actually decide whether the design works — 109 of 139 metrics are manual and 106 have no agreed target, so these are the common cases, not the edge cases.
Regulatory breach
DDR at 67% against a hard 30% cap. A live SBV enforcement action.
Direct Disbursement Ratio (DDR)
REGCG-01
67.4%
+37.4pp vs target 30.0%
MANUALPayment GW / T24⏱ T+1
Head of Corporate Governance·IT System Planning
Unmeasured — no series at all
Category defined, benchmark known, zero ACF numbers. 5 of 12 IT metrics are here.
T24 availability
IT-01
—
No data
no series
UNMEASUREDinfra monitoring○ NOT REPORTED
Head of Infrastructure & Operations·IT System Planning
Stale feed
MUST never render green. This is the failure the platform exists to prevent.
AML report submission status
REGCG-05
23.9%
-76.1pp vs target 100.0%
MANUALmanual⏸ STALE
Head of Corporate Governance·IT System Planning
Unowned source
The Consent portal appears in no ACF inventory — a Decree 13 control point with no owner.
Consent rate
TS-03
4.5%
+0.5pp vs target 4.0%
MANUALConsent portal⏱ T+1
Head of Telesales·IT System Development
Off target
B1 resolution below KPI.
103.7%
No target
MANUALNexusti⏱ T+1
Head of Debt Collection Operations·IT System Development
On target
Approval ratio, with a real daily baseline since Sep-2025.
Approval ratio
AP-02
55.2%
No target
MANAGEDAppraisal daily report⏱ T+1
Head of Appraisal Department·IT System Planning
Restated
A value that changed after publication — the trend carries a break marker.
NPL by product
CR-04
25.3%
No target
MANUALT24 → DWH⏱ T+1restated
Head of Credit Risk & Portfolio Management·IT System Planning
Not reported
Distinct from zero. A silent zero would be a lie.
Training coverage
HR-06
—
No data
MANUALHR○ NOT REPORTED
Head of HR & Administration·HR Systems Administrator