• The rate of return is computed as interest payments less fees and charges divided by the loan amount, expressed as a percentage. 
• Late interest payments received are not included in the computation.
• Where Promissory Notes do not mature within the year of computation, the rate of return is computed based on their expected interest payments as defined in the respective Note agreements.
• The computation excludes Promissory Notes that are in arrears past 30 days, i.e., any monies collected before and during the delinquency period are not considered in the Rate of Return computation for these Notes.

• The computation of Non-Performing Loan (NPL) rates are based on total outstanding amounts of the notes till maturity. 
• For Promissory Notes with overdue and unpaid amount past 30 days, the entire outstanding amount till maturity is considered.
• MoolahSense takes a conservative stand on the computation of the NPL Rates. The NPL Rates are a snapshot on the Notes' performance as at 31st December of each calendar year where subsequent successful recovery of monies are excluded in the computation. 

NOTE:

• The Rate of Returns and Non-Performing Loan rates computed are based on Promissory Notes issued within the year of computation.
• As MoolahSense was awarded the Capital Markets Services Licence in November 2016, the statistics do not take into consideration Promissory Notes issued prior to January 2017.
• Though the calculations above are based on overdue of 30-90days and >90days, MoolahSense classification of loan is based on the industry’s best practices similar to credit agencies and central banks such as MAS and HKMA. For more information on MoolahSense Loan Classification, please read here.