R12
Operating Expense Ratio
Base presentation · SEEP ratio family
Definition. Operating expense divided by average gross loan portfolio.
Why it matters. Shows the cost of managing the lending portfolio.
Displayed product formula
Operating expense ÷ average gross loan portfolio
Owner confirmation of conventions pendingAdj R12
Adjusted Operating Expense Ratio
Adjusted presentation · SEEP ratio family
Definition. Adjusted operating expense divided by adjusted average gross loan portfolio.
Why it matters. Shows operating cost relative to the portfolio after analytical adjustments.
Displayed product formula
Adjusted operating expense ÷ adjusted average gross loan portfolio
Owner confirmation of conventions pendingR13
Cost per Active Client
Base presentation · SEEP ratio family
Definition. Operating expense per average active borrower. Despite its active-client title, the shipping descriptor uses borrowers, not all deposit or service clients.
Why it matters. Connects delivery costs to the borrower population actually used by the product.
Displayed product formula
Operating expense ÷ average active borrowers
Owner confirmation of conventions pendingAdj R13
Adjusted Cost per Active Client
Adjusted presentation · SEEP ratio family
Definition. Adjusted operating expense per average active borrower; the borrower denominator is not adjusted.
Why it matters. Shows the effect of adjusted delivery costs for the same borrower population.
Displayed product formula
Adjusted operating expense ÷ average active borrowers
Owner confirmation of conventions pendingR14
Borrowers per Loan Officer
Base presentation · SEEP ratio family
Definition. Active borrowers divided by the number of loan officers.
Why it matters. Shows loan-officer caseload and lending productivity.
Displayed product formula
Active borrowers ÷ loan officers
Owner confirmation of conventions pendingR15
Active Clients per Staff Member
Base presentation · SEEP ratio family
Definition. Active borrowers divided by total staff. The product’s active-client label uses the active-borrower source field.
Why it matters. Shows lending outreach relative to staffing across all departments.
Displayed product formula
Active borrowers ÷ total staff
Owner confirmation of conventions pendingR16
Client Turnover (Dropout) Rate
Base presentation · SEEP ratio family
Definition. Beginning active borrowers plus the count of loans disbursed, used as new borrowers, less ending active borrowers, divided by the arithmetic average of beginning and ending borrowers.
Why it matters. Shows the product’s borrower-turnover estimate; confirm the loans-as-new-borrowers convention.
Displayed product formula
(Beginning active borrowers + number of loans disbursed − ending active borrowers) ÷ ((beginning active borrowers + ending active borrowers) ÷ 2)
Owner confirmation of conventions pendingR17
Average Outstanding Loan Size (per Borrower)
Base presentation · SEEP ratio family
Definition. Closing gross loan portfolio divided by active borrowers.
Why it matters. Shows outstanding financing per active borrower.
Displayed product formula
Closing gross loan portfolio ÷ active borrowers
Owner confirmation of conventions pendingAdj R17
Adjusted Average Outstanding Loan Size (per Loan)
Adjusted presentation · SEEP ratio family
Definition. Adjusted gross loan portfolio divided by outstanding loan count less the over-180-day loan count treated as written off. This adjusted measure is per loan, not per borrower.
Why it matters. Separates the adjusted loan-level measure from the unadjusted borrower-level measure.
Displayed product formula
Adjusted gross loan portfolio ÷ (number of loans outstanding − number of >180-day loans written off)
Owner confirmation of conventions pendingR18
Average Loan Disbursed
Base presentation · SEEP ratio family
Definition. Value of loans disbursed during the period divided by the number of loans disbursed.
Why it matters. Shows the average size of newly granted loans.
Displayed product formula
Value of loans disbursed ÷ number of loans disbursed
Owner confirmation of conventions pending