KBRA Financial Intelligence

Comprehensive Loan Portfolio With Past Due Details for GAAP Data Now Available on KFI

KFI is excited to announce the release of comprehensive loan portfolio data on our platform, featuring detailed information on past due accounts.

This robust data set provides a deep dive into the current state of a bank’s loan portfolio, delivering the insights you need to make informed business decisions. Key highlights include:

• Granular Loan Categories: Access detailed data on various loan categories, such as health care, government, and student loans, among others.

• Detailed Past Due Information: Obtain breakdowns of past due accounts, categorized by 1-29 days past due, 30-59 days past due, 60-89 days past due, and 90+ days past due.

• Seamless Integration: Effortlessly incorporate this data into your existing KFI workflows for streamlined analysis.

An analysis of Truist Financial Corporation (NYSE: TFC) demonstrates that, while the bank’s total loan portfolio has been shrinking since 1Q 2023, its exposure remains concentrated within the commercial sector (51% of total loans) and residential real estate sector (21% of total loans), according to data compiled by KFI. Notably, Truist’s total past due rate has improved, with a 23 basis point (bps) decrease year-over-year (YoY) and a 7 bps decrease quarter-over-quarter (QoQ). This YoY improvement was largely driven by the bank’s strategic decision to sell off its student loan portfolio to Carlyle Group earlier this year, resulting in a 101 bps YoY and 30 bps QoQ decrease in the consumer loan past due rate.

With this powerful new data at your fingertips, you’ll be able to:

• Benchmark Performance: Compare your bank’s loan portfolio performance against industry peers and competitors.

• Monitor Financial Health: Conduct detailed counterparty risk analysis using past due account information to assess the financial health of your banking relationships.

• Access Historical Data: Identify trends and spot emerging risks with historical loan performance data.

• Optimize Lending Strategy: Make more informed decisions regarding the concentrations of a bank’s loan portfolio to enhance your lending strategy.

To get started, simply log in to your KFI account and navigate to the new Loans & Leases and Past Dues sections under GAAP financials.

For Lite users, please contact [email protected] to learn how you can upgrade to Pro status.