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Cashflow Analysis

Cashflow Analysis

This is a collection of variables associated with the customer’s Cash flow analysis.

Variable Name

Type

Description

Variable Name

Type

Description

accountActivity

Percentage

The percentage of days in which there are either any credit or debit transactions within the account statement period. Bank or tax charges transactions are excluded.

averageBalance

Float

The customer's average account balance within the statement period.

averageCredits

Float

The average amount of all credit transactions within the statement period.

averageDebits

Float

The average amount of all debit transactions within the statement period.

closingBalance

Float

The balance at the end of the statement.

firstDay

Date

The first day of the bank statement.

lastDay

Date

The last day of the bank statement.

monthPeriod

String

The transaction duration indicated using the **first** - **last* month range.

netAverageMonthlyEarnings

Float

The monthly average of the total income left in the account less borrowing (loans), sweeping, bills and utilities, charges, expenses, etc.

noOfTransactingMonths

Int

The number of months within the statement.

totalCreditTurnover

Float

The total amount of money received within the duration of the bank statement.

totalDebitTurnover

Float

The total amount of debit transactions within the duration of the bank statement.

yearInStatement

Year

The year of the bank statement.

MaxMonthlyRepayment

Float

The maximum recommended amount to lend to the applicant.

averageMonthlyCredit

Float

The mean of credit transactions per month.

totalMonthlyCredit

Float

The breakdown of the monthly sum of credit amount within the statement.

affordability

Float

The free cashflow available for loan repayments.

averageMonthlyDebit

Float

The average amount of monthly debits within the statement.

creditCount

Int

The total number of credit transactions within the statement.

debitCount

Int

The total number of debit transactions within the statement.

harmonicMeanCR

Float

The harmonic mean calculation of all credit transactions within the statement.

harmonicMeanDR

Float

The harmonic mean calculation of all debit transactions within the statement.

maxEmiEligibility

Float

The recommended monthly repayment amount for a period of 9 months.

openingBalance

Float

The balance amount on the first day within the statement.

totalMonthlyDebit

Float

The breakdown of the monthly sum of debit amount within the statement.

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