Risk Calculation
Peak, Current, Average, Jul-21, Dec-21, Risk로 구성
| Peak |
Current |
Average |
| Jul-21 |
Dec-21 |
Risk |
| 2,250,407,250.28 |
25,579 |
28,908 |
| 31,617 |
25,138 |
28,358 |
| 13 |
5 |
15 |
| 45 |
23 |
42 |
| 104 |
37 |
117 |
| 376 |
376 |
376 |
Date, Total Current Exposure, NDX Exposure, Refund Exposure, ChargeBack Exposure, MSC Exposure, Membership Exposure으로 구성
|
25,579 |
29,275 |
29,658 |
29,744 |
29,737 |
32,154 |
31,868 |
30,801 |
29,705 |
30,293 |
29,241 |
18,840 |
| Date: |
Dec-21 |
Nov-21 |
Oct-21 |
Sep-21 |
Aug-21 |
Jul-21 |
Jun-21 |
May-21 |
Apr-21 |
Mar-21 |
Feb-21 |
Jan-21 |
| Total Current Exposure: |
25,579 |
29,275 |
29,658 |
29,744 |
29,737 |
32,154 |
31,868 |
30,801 |
29,705 |
30,293 |
29,241 |
18,840 |
| NDX Exposure: |
25,138 |
28,787 |
29,129 |
29,191 |
29,247 |
31,617 |
31,289 |
30,199 |
29,165 |
29,709 |
28,618 |
18,208 |
| Refund Exposure: |
5 |
9 |
13 |
16 |
9 |
13 |
17 |
19 |
13 |
17 |
23 |
23 |
| ChargeBack Exposure: |
23 |
32 |
38 |
38 |
35 |
45 |
50 |
50 |
46 |
54 |
54 |
42 |
| MSC Exposure: |
37 |
70 |
102 |
124 |
70 |
104 |
136 |
157 |
104 |
137 |
169 |
190 |
| Membership Exposure: |
376 |
376 |
376 |
376 |
376 |
376 |
376 |
376 |
376 |
376 |
376 |
376 |
Month, No.Days, Date, Days in Month, Avg day t/o in month로 구성
| Average days card turnover |
| Month |
No.Days |
Date |
Days in Month |
Avg day t/o in month |
| 1 |
31 |
Dec-21 |
31 |
39.81 |
| 2 |
28 |
Nov-21 |
30 |
78.03 |
| 3 |
31 |
Oct-21 |
31 |
110.06 |
| 4 |
30 |
Sep-21 |
30 |
137.43 |
| 5 |
31 |
Aug-21 |
31 |
75.65 |
| 6 |
30 |
Jul-21 |
31 |
111.35 |
| 7 |
31 |
Jun-21 |
30 |
150.77 |
| 8 |
31 |
May-21 |
31 |
168.84 |
| 9 |
30 |
Apr-21 |
30 |
115.20 |
| 10 |
31 |
Mar-21 |
31 |
147.19 |
| 11 |
30 |
Feb-21 |
28 |
201.21 |
| 12 |
31 |
Jan-21 |
31 |
204.68 |
NDX Exposure, 1st NDX, 2nd NDX, 3rd NDX, 4th NDX, Total NDX Risk로 구성
| NDX Exposure |
1st NDX |
2nd NDX |
3rd NDX |
4th NDX |
5th NDX |
6th NDX |
7th NDX |
8th NDX |
9th NDX |
Total NDX Risk |
|
Months t/o |
Running t/o |
20 |
10% |
125 |
15% |
201 |
33% |
334 |
42% |
|
|
|
|
|
|
|
|
|
|
25,138 |
| 31 |
1,234.00 |
1,234.00 |
796.13 |
79.61 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
|
79.61 |
| 61 |
2,341.00 |
3,575.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
|
0.00 |
| 92 |
3,412.00 |
6,987.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
|
0.00 |
| 122 |
4,123.00 |
11,110.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
|
0.00 |
| 153 |
2,345.00 |
13,455.00 |
0.00 |
0.00 |
11,336.94 |
1,700.54 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
|
1,700.54 |
| 184 |
3,452.00 |
16,907.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
|
0.00 |
| 214 |
4,523.00 |
21,430.00 |
0.00 |
0.00 |
0.00 |
0.00 |
19,470.03 |
6,425.11 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
|
6,425.11 |
| 245 |
5,234.00 |
26,664.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
|
0.00 |
| 275 |
3,456.00 |
30,120.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
|
0.00 |
| 306 |
4,563.00 |
34,683.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
|
0.00 |
| 334 |
5,634.00 |
50,317.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
40,317.00 |
16,933.14 |
|
|
|
|
|
|
|
|
|
|
16,933.14 |
| 365 |
6,345.00 |
46,662.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
|
0.00 |
Refund Risk, Refund Ratio, Industry Refund days:로 구성
| Refund Risk |
Refund Ratio |
Industry Refund days: |
| 5 |
3.80% |
3 |
| 46.89 |
46.89 |
4.54 |
| 88.96 |
135.85 |
0.00 |
| 129.66 |
265.51 |
0.00 |
| 156.67 |
422.18 |
0.00 |
| 89.11 |
511.29 |
0.00 |
| 131.18 |
642.47 |
0.00 |
| 171.87 |
814.34 |
0.00 |
| 198.89 |
1,013.23 |
0.00 |
| 131.33 |
1,144.56 |
0.00 |
| 173.39 |
1,317.95 |
0.00 |
| 214.09 |
1,532.05 |
0.00 |
| 241.11 |
1,773.16 |
0.00 |
Chargeback Risk, Chargeback Radios, Chargeback Risk로 구성
| Chargeback Risk |
Chargeback Radios |
Chargeback Risk |
|
0.48% |
23 |
| 1,234.00 |
1.00 |
5.97 |
| 1,708.93 |
0.73 |
8.27 |
| 1,125.96 |
0.33 |
5.45 |
| 577.22 |
0.14 |
2.79 |
| 93.80 |
0.04 |
0.45 |
| 34.52 |
0.01 |
0.17 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
Total Exposure Month로 구성
| Total Exposure Month |
25,579 |
| Dec-21 |
|
| NDX Exposure |
25,138.40 |
| Refund Exposure |
4.54 |
| Chargeback Exposure |
23.11 |
| MSC Exposure |
37.02 |
| Membership Exposure |
376.29 |
Month, No.Days, Date, Days in Month, Avg day t/o in month로 구성
| Average days card turnover |
|
|
Date |
Days in Month |
Avg day t/o in month |
|
|
Nov-21 |
30 |
78.03 |
|
|
Oct-21 |
31 |
110.06 |
|
|
Sep-21 |
30 |
137.43 |
|
|
Aug-21 |
31 |
75.65 |
|
|
Jul-21 |
31 |
111.35 |
|
|
Jun-21 |
30 |
150.77 |
|
|
May-21 |
30 |
168.84 |
|
|
Apr-21 |
30 |
115.20 |
|
|
Mar-21 |
31 |
147.19 |
|
|
Feb-21 |
28 |
201.21 |
|
|
Jan-21 |
31 |
204.68 |
|
|
Dec-21 |
31 |
39.81 |
NDX Exposure, 1st NDX, 2nd NDX, 3rd NDX, 4th NDX, Total NDX Risk로 구성
| NDX Exposure |
1st NDX |
2nd NDX |
3rd NDX |
4th NDX |
Total NDX Risk |
|
Months t/o |
Running t/o |
20 |
10% |
125 |
15% |
201 |
33% |
334 |
42% |
28,787 |
| 30 |
2,341.00 |
2,341.00 |
1,560.67 |
1,560.67 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
156.07 |
| 61 |
3,412.00 |
5,753.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 91 |
4,123.00 |
9,876.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 122 |
2,345.00 |
12,221.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 153 |
3,452.00 |
15,673.00 |
0.00 |
0.00 |
15,555.06 |
1,883.26 |
0.00 |
0.00 |
0.00 |
0.00 |
1,883.26 |
| 183 |
4,523.00 |
20,196.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 214 |
5,234.00 |
25,430.00 |
0.00 |
0.00 |
0.00 |
0.00 |
23,235.10 |
7,667.58 |
0.00 |
0.00 |
7,667.58 |
| 244 |
3,456.00 |
28,886.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 275 |
4,563.00 |
33,449.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 303 |
5,634.00 |
39,083.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 334 |
6,345.00 |
45,428.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
45,428.00 |
19,079.76 |
19.079.76 |
| 365 |
1,234.00 |
46,662.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Refund Risk, Refund Ratio, Industry Refund days:로 구성
| Refund Risk |
Refund Ratio |
Industry Refund days: |
| 9 |
3.80% |
3 |
| 88.96 |
88.96 |
8.90 |
| 129.66 |
218.61 |
0.00 |
| 156.67 |
375.29 |
0.00 |
| 89.11 |
464.40 |
0.00 |
| 131.18 |
595.57 |
0.00 |
| 171.87 |
767.45 |
0.00 |
| 198.89 |
966.34 |
0.00 |
| 131.33 |
1,097.67 |
0.00 |
| 173.39 |
1,271.06 |
0.00 |
| 214.09 |
1,485.15 |
0.00 |
| 241.11 |
1,726.26 |
0.00 |
| 46.89 |
1,773.16 |
0.00 |
Chargeback Risk, Chargeback Radios, Chargeback Risk로 구성
| Chargeback Risk |
Chargeback Radios |
Chargeback Risk |
|
0.48% |
32 |
| 2,341.00 |
1.00 |
11.33 |
| 2,490.76 |
0.73 |
12.06 |
| 1,360.59 |
0.33 |
6.59 |
| 328.30 |
0.14 |
1.59 |
| 138.08 |
0.04 |
0.67 |
| 45.23 |
0.01 |
0.22 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
Total Exposure Month로 구성
| Total Exposure Month |
25,579 |
| Nov-21 |
|
| NDX Exposure |
28,786.67 |
| Refund Exposure |
8.90 |
| Chargeback Exposure |
32.45 |
| MSC Exposure |
70.23 |
| Membership Exposure |
376.29 |
Month, No.Days, Date, Days in Month, Avg day t/o in month로 구성
| Average days card turnover |
|
|
Date |
Days in Month |
Avg day t/o in month |
|
|
Oct-21 |
31 |
110.06 |
|
|
Sep-21 |
30 |
137.43 |
|
|
Aug-21 |
31 |
75.65 |
|
|
Jul-21 |
31 |
111.35 |
|
|
Jun-21 |
30 |
150.77 |
|
|
May-21 |
31 |
168.84 |
|
|
Apr-21 |
30 |
115.20 |
|
|
Mar-21 |
31 |
147.19 |
|
|
Feb-21 |
28 |
201.21 |
|
|
Jan-21 |
31 |
204.68 |
|
|
Dec-21 |
28 |
39.81 |
|
|
Nov-21 |
30 |
78.03 |
NDX Exposure, 1st NDX, 2nd NDX, 3rd NDX, 4th NDX, Total NDX Risk로 구성
| NDX Exposure |
1st NDX |
2nd NDX |
3rd NDX |
4th NDX |
Total NDX Risk |
|
Months t/o |
Running t/o |
20 |
10% |
125 |
15% |
201 |
33% |
334 |
42% |
29,129 |
| 30 |
3,412.00 |
3,412.00 |
2,201.29 |
220.13 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
220.13 |
| 61 |
4,123.00 |
7,535.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 92 |
2,345.00 |
9,880.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 123 |
3,452.00 |
13,332.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 153 |
4,523.00 |
17,855.00 |
0.00 |
0.00 |
13,633,53 |
2,045.03 |
0.00 |
0.00 |
0.00 |
0.00 |
2,045.03 |
| 184 |
5,234.00 |
23,089.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 214 |
3,456.00 |
26,545.00 |
0.00 |
0.00 |
0.00 |
0.00 |
25,047.40 |
8,265.64 |
0.00 |
0.00 |
8,265.64 |
| 245 |
4,563.00 |
31,108.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 273 |
5,634.00 |
36,742.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 304 |
6,345.00 |
43,087.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 335 |
1,234.00 |
44,321.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
44,281.19 |
18,598.10 |
18,598.10 |
| 365 |
2,341.00 |
46,662.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Refund Risk, Refund Ratio, Industry Refund days:로 구성
| Refund Risk |
Refund Ratio |
Industry Refund days: |
| 13 |
3.80% |
3 |
| 129.66 |
129.66 |
12.55 |
| 156.67 |
286.33 |
0.00 |
| 89.11 |
375.44 |
0.00 |
| 131.18 |
506.62 |
0.00 |
| 171.87 |
678.49 |
0.00 |
| 198.89 |
877.38 |
0.00 |
| 131.33 |
1,008.71 |
0.00 |
| 173.39 |
1,182.10 |
0.00 |
| 214.09 |
1,396.20 |
0.00 |
| 241.11 |
1,637.31 |
0.00 |
| 46.89 |
1,684.20 |
0.00 |
| 88.96 |
1,773.16 |
0.00 |
Chargeback Risk, Chargeback Radios, Chargeback Risk로 구성
| Chargeback Risk |
Chargeback Radios |
Chargeback Risk |
|
0.48% |
38 |
| 3,412.00 |
1.00 |
16.51 |
| 3,009.79 |
0.73 |
14.57 |
| 773.85 |
0.33 |
3.75 |
| 483.28 |
0.14 |
2.34 |
| 180.92 |
0.04 |
0.88 |
| 52.34 |
0.01 |
0.25 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
Total Exposure Month로 구성
| Total Exposure Month |
29,658 |
| Oct-21 |
|
| NDX Exposure |
29,128.90 |
| Refund Exposure |
12.55 |
| Chargeback Exposure |
38.29 |
| MSC Exposure |
102.36 |
| Membership Exposure |
376.29 |
Month, No.Days, Date, Days in Month, Avg day t/o in month로 구성
| Average days card turnover |
|
|
Date |
Days in Month |
Avg day t/o in month |
|
|
Sep-21 |
30 |
137.43 |
|
|
Aug-21 |
31 |
75.65 |
|
|
Jul-21 |
31 |
111.35 |
|
|
Jun-21 |
30 |
150.77 |
|
|
May-21 |
31 |
168.84 |
|
|
Apr-21 |
30 |
115.20 |
|
|
Mar-21 |
31 |
147.19 |
|
|
Feb-21 |
28 |
201.21 |
|
|
Jan-21 |
31 |
204.68 |
|
|
Dec-21 |
31 |
39.81 |
|
|
Nov-21 |
30 |
78.03 |
|
|
Oct-21 |
31 |
110.06 |
NDX Exposure, 1st NDX, 2nd NDX, 3rd NDX, 4th NDX, Total NDX Risk로 구성
| NDX Exposure |
1st NDX |
2nd NDX |
3rd NDX |
4th NDX |
Total NDX Risk |
|
Months t/o |
Running t/o |
20 |
10% |
125 |
15% |
201 |
33% |
334 |
42% |
29,191 |
| 30 |
4,123.00 |
4,123.00 |
2,748.67 |
274.87 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
274.87 |
| 61 |
2,345.00 |
6,468.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 92 |
3,452.00 |
9,920.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 122 |
4,523.00 |
14.443.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 153 |
5,234.00 |
19,677.00 |
0.00 |
0.00 |
14,949.52 |
2,242.43 |
0.00 |
0.00 |
0.00 |
0.00 |
2,242.43 |
| 183 |
3,456.00 |
23,133.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 214 |
4,563.00 |
27,696.00 |
0.00 |
0.00 |
0.00 |
0.00 |
25,782.48 |
8,508.22 |
0.00 |
0.00 |
8,508.22 |
| 242 |
5,634.00 |
33,330.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 273 |
6,345.00 |
39,675.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 304 |
1,234.00 |
40,909.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 334 |
2,341.00 |
43,250.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
43,250.00 |
18,165.00 |
18,165.00 |
| 365 |
3,412.00 |
46,662.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Refund Risk, Refund Ratio, Industry Refund days:로 구성
| Refund Risk |
Refund Ratio |
Industry Refund days: |
| 16 |
3.80% |
3 |
| 156.67 |
156.67 |
15.67 |
| 89.11 |
245.78 |
0.00 |
| 131.18 |
376.96 |
0.00 |
| 171.87 |
548.83 |
0.00 |
| 198.89 |
747.73 |
0.00 |
| 131.33 |
879.05 |
0.00 |
| 173.39 |
1,052.45 |
0.00 |
| 214.09 |
1,266.54 |
0.00 |
| 241.11 |
1,507.65 |
0.00 |
| 46.89 |
1,554.54 |
0.00 |
| 88.96 |
1,643.50 |
0.00 |
| 129.66 |
1,773.16 |
0.00 |
Chargeback Risk, Chargeback Radios, Chargeback Risk로 구성
| Chargeback Risk |
Chargeback Radios |
Chargeback Risk |
|
0.48% |
38 |
| 4,123.00 |
1.00 |
19.96 |
| 1,711.85 |
0.73 |
8.29 |
| 1,139.16 |
0.33 |
5.51 |
| 633.22 |
0.14 |
3.06 |
| 209.36 |
0.04 |
1.01 |
| 34.56 |
0.01 |
0.17 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
Total Exposure Month로 구성
| Total Exposure Month |
29,744 |
| Sep-21 |
|
| NDX Exposure |
29,190.51 |
| Refund Exposure |
15.67 |
| Chargeback Exposure |
38.00 |
| MSC Exposure |
123.69 |
| Membership Exposure |
376.29 |
Month, No.Days, Date, Days in Month, Avg day t/o in month로 구성
| Average days card turnover |
|
|
Date |
Days in Month |
Avg day t/o in month |
|
|
Aug-21 |
31 |
75.65 |
|
|
Jul-21 |
31 |
111.35 |
|
|
Jun-21 |
30 |
150.77 |
|
|
May-21 |
31 |
168.84 |
|
|
Apr-21 |
30 |
115.20 |
|
|
Mar-21 |
31 |
147.19 |
|
|
Feb-21 |
28 |
201.21 |
|
|
Jan-21 |
31 |
204.68 |
|
|
Dec-21 |
31 |
39.81 |
|
|
Nov-21 |
30 |
78.03 |
|
|
Oct-21 |
31 |
110.06 |
|
|
Sep-21 |
30 |
137.43 |
NDX Exposure, 1st NDX, 2nd NDX, 3rd NDX, 4th NDX, Total NDX Risk로 구성
| NDX Exposure |
1st NDX |
2nd NDX |
3rd NDX |
4th NDX |
Total NDX Risk |
|
Months t/o |
Running t/o |
20 |
10% |
125 |
15% |
201 |
33% |
334 |
42% |
29,247 |
| 31 |
2,345.00 |
2,345.00 |
1,512.90 |
151.29 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
151.29 |
| 62 |
3,452.00 |
5,797.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 92 |
4,523.00 |
10,320.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 123 |
5,234.00 |
15,554.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 153 |
3,456.00 |
19,010.00 |
0.00 |
0.00 |
15,784.40 |
2,367.66 |
0.00 |
0.00 |
0.00 |
0.00 |
2,367.66 |
| 184 |
4,563.00 |
23,573.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 212 |
5,634.00 |
29,207.00 |
0.00 |
0.00 |
0.00 |
0.00 |
26,993.64 |
8,907.90 |
0.00 |
0.00 |
8.907.90 |
| 243 |
6,345.00 |
35,552.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 274 |
1,234.00 |
36,786.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 304 |
2,341.00 |
39,127.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 335 |
3,412.00 |
42.539.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
42,428.94 |
17,820.15 |
17,820.15 |
| 365 |
4,123.00 |
46,662.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Refund Risk, Refund Ratio, Industry Refund days:로 구성
| Refund Risk |
Refund Ratio |
Industry Refund days: |
| 9 |
3.80% |
3 |
| 89.11 |
89.11 |
8.62 |
| 131.18 |
220.29 |
0.00 |
| 171.87 |
392.16 |
0.00 |
| 198.89 |
591.05 |
0.00 |
| 131.33 |
722.38 |
0.00 |
| 173.39 |
895.77 |
0.00 |
| 214.09 |
1,109.87 |
0.00 |
| 241.11 |
1,350.98 |
0.00 |
| 46.89 |
1,397.87 |
0.00 |
| 88.96 |
1,486.83 |
0.00 |
| 129.66 |
1,616.48 |
0.00 |
| 156.67 |
1,773.16 |
0.00 |
Chargeback Risk, Chargeback Radios, Chargeback Risk로 구성
| Chargeback Risk |
Chargeback Radios |
Chargeback Risk |
|
0.48% |
35 |
| 2,345.00 |
1.00 |
11.35 |
| 2,519.96 |
0.73 |
12.20 |
| 1,492.59 |
0.33 |
7.22 |
| 732.76 |
0.14 |
3.55 |
| 138.24 |
0.04 |
0.67 |
| 45.63 |
0.01 |
0.22 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
Total Exposure Month로 구성
| Total Exposure Month |
29,737 |
| Aug-21 |
|
| NDX Exposure |
29,247.01 |
| Refund Exposure |
8.62 |
| Chargeback Exposure |
35.21 |
| MSC Exposure |
70.35 |
| Membership Exposure |
376.29 |
Month, No.Days, Date, Days in Month, Avg day t/o in month로 구성
| Average days card turnover |
|
|
Date |
Days in Month |
Avg day t/o in month |
|
|
Jul-21 |
31 |
111.35 |
|
|
Jun-21 |
30 |
150.77 |
|
|
May-21 |
31 |
168.84 |
|
|
Apr-21 |
30 |
115.20 |
|
|
Mar-21 |
31 |
147.19 |
|
|
Feb-21 |
28 |
201.21 |
|
|
Jan-21 |
31 |
204.68 |
|
|
Dec-21 |
31 |
39.87 |
|
|
Nov-21 |
30 |
78.03 |
|
|
Oct-21 |
31 |
110.06 |
|
|
Sep-21 |
30 |
137.43 |
|
|
Aug-21 |
31 |
75.65 |
NDX Exposure, 1st NDX, 2nd NDX, 3rd NDX, 4th NDX, Total NDX Risk로 구성
| NDX Exposure |
1st NDX |
2nd NDX |
3rd NDX |
4th NDX |
Total NDX Risk |
|
Months t/o |
Running t/o |
20 |
10% |
125 |
15% |
201 |
33% |
334 |
42% |
31,617 |
| 31 |
3,452.00 |
3,452.00 |
2,227.10 |
222.71 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
222.71 |
| 61 |
4,523.00 |
7,975.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 92 |
5,234.00 |
13,209.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 122 |
3,456.00 |
16,665.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 153 |
4,563.00 |
21,228.00 |
0.00 |
0.00 |
17,106.58 |
2,565.99 |
0.00 |
0.00 |
0.00 |
0.00 |
2,565.99 |
| 181 |
5,634.00 |
26,862.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 212 |
6,345.00 |
33,207.00 |
0.00 |
0.00 |
0.00 |
0.00 |
30,955.55 |
10,215.33 |
0.00 |
0.00 |
10.215.33 |
| 243 |
1,234.00 |
34,441.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 273 |
2,341.00 |
36,782.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 304 |
3,412.00 |
40,194.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 334 |
4,123.00 |
44,317.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
44,317.00 |
18,613.14 |
18,613.14 |
| 365 |
2,345.00 |
46,662.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Refund Risk, Refund Ratio, Industry Refund days:로 구성
| Refund Risk |
Refund Ratio |
Industry Refund days: |
| 13 |
3.80% |
3 |
| 131.18 |
131.18 |
12.69 |
| 171.87 |
303.05 |
0.00 |
| 198.89 |
501.94 |
0.00 |
| 131.33 |
633.27 |
0.00 |
| 173.39 |
806.66 |
0.00 |
| 214.09 |
1,020.76 |
0.00 |
| 241.11 |
1,261.87 |
0.00 |
| 46.89 |
1,308.76 |
0.00 |
| 88.96 |
1,397.72 |
0.00 |
| 129.66 |
1,527.37 |
0.00 |
| 156.67 |
1,684.05 |
0.00 |
| 89.11 |
1,773.16 |
0.00 |
Chargeback Risk, Chargeback Radios, Chargeback Risk로 구성
| Chargeback Risk |
Chargeback Radios |
Chargeback Risk |
|
0.48% |
45 |
| 3,452.00 |
1.00 |
16.71 |
| 3,301.79 |
0.73 |
15.98 |
| 1,727.22 |
0.33 |
8.36 |
| 483.84 |
0.14 |
2.34 |
| 182.52 |
0.04 |
0.88 |
| 56.34 |
0.01 |
0.27 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
Total Exposure Month로 구성
| Total Exposure Month |
32,154 |
| Jul-21 |
|
| NDX Exposure |
31,617.17 |
| Refund Exposure |
12.69 |
| Chargeback Exposure |
44.55 |
| MSC Exposure |
103.56 |
| Membership Exposure |
376.29 |
Month, No.Days, Date, Days in Month, Avg day t/o in month로 구성
| Average days card turnover |
|
|
Date |
Days in Month |
Avg day t/o in month |
|
|
Jun-21 |
30 |
150.77 |
|
|
May-21 |
31 |
168.84 |
|
|
Apr-21 |
30 |
115.20 |
|
|
Mar-21 |
31 |
147.19 |
|
|
Feb-21 |
28 |
201.21 |
|
|
Jan-21 |
31 |
204.68 |
|
|
Dec-21 |
31 |
39.81 |
|
|
Nov-21 |
30 |
78.03 |
|
|
Oct-21 |
31 |
110.06 |
|
|
Sep-21 |
30 |
137.43 |
|
|
Aug-21 |
31 |
75.65 |
|
|
Jul-21 |
31 |
111.35 |
NDX Exposure, 1st NDX, 2nd NDX, 3rd NDX, 4th NDX, Total NDX Risk로 구성
| NDX Exposure |
1st NDX |
2nd NDX |
3rd NDX |
4th NDX |
Total NDX Risk |
|
Months t/o |
Running t/o |
20 |
10% |
125 |
15% |
201 |
33% |
334 |
42% |
28,787 |
| 30 |
4,523.00 |
5,523.00 |
3,015.33 |
301.53 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
301.53 |
| 61 |
5,234.00 |
9,757.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 91 |
3,456.00 |
13,213.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 122 |
4,563.00 |
17,776.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 150 |
5,634.00 |
23,410.00 |
0.00 |
0.00 |
18,379.64 |
2,756.95 |
0.00 |
0.00 |
0.00 |
0.00 |
2,756.95 |
| 181 |
6,345.00 |
29,755.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 212 |
1,234.00 |
30,989.00 |
0.00 |
0.00 |
0.00 |
0.00 |
30,551.13 |
10,081.87 |
0.00 |
0.00 |
10,081.87 |
| 242 |
2,341.00 |
33,330.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 273 |
3,412.00 |
36,742.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 303 |
4,123.00 |
40,865.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 334 |
2,345.00 |
43,210.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
43,120.00 |
18,148.20 |
18,148.20 |
| 365 |
3,452.00 |
46,662.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Refund Risk, Refund Ratio, Industry Refund days:로 구성
| Refund Risk |
Refund Ratio |
Industry Refund days: |
| 17 |
3.80% |
3 |
| 171.87 |
171.87 |
17.19 |
| 198.89 |
370.77 |
0.00 |
| 131.33 |
502.09 |
0.00 |
| 173.39 |
675.49 |
0.00 |
| 214.09 |
889.58 |
0.00 |
| 241.11 |
1,130.69 |
0.00 |
| 46.89 |
1,177.58 |
0.00 |
| 88.96 |
1,266.54 |
0.00 |
| 129.66 |
1,396.20 |
0.00 |
| 156.67 |
1,552.87 |
0.00 |
| 89.11 |
1,641.98 |
0.00 |
| 131.18 |
1,773.16 |
0.00 |
Chargeback Risk, Chargeback Radios, Chargeback Risk로 구성
| Chargeback Risk |
Chargeback Radios |
Chargeback Risk |
|
0.48% |
50 |
| 4,523.00 |
1.00 |
21.89 |
| 3,820.82 |
0.73 |
18.49 |
| 1,140.48 |
0.33 |
5.52 |
| 638.82 |
0.14 |
3.09 |
| 225.36 |
0.04 |
1.09 |
| 63.45 |
0.01 |
0.31 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
Total Exposure Month로 구성
| Total Exposure Month |
31,868 |
| Jun-21 |
|
| NDX Exposure |
31,288.55 |
| Refund Exposure |
17.19 |
| Chargeback Exposure |
50.39 |
| MSC Exposure |
135.69 |
| Membership Exposure |
376.29 |
Month, No.Days, Date, Days in Month, Avg day t/o in month로 구성
| Average days card turnover |
|
|
Date |
Days in Month |
Avg day t/o in month |
|
|
May-21 |
31 |
168.84 |
|
|
Apr-21 |
30 |
115.20 |
|
|
Mar-21 |
31 |
147.19 |
|
|
Feb-21 |
28 |
201.21 |
|
|
Jan-21 |
31 |
204.68 |
|
|
Dec-21 |
31 |
39.81 |
|
|
Nov-21 |
30 |
78.03 |
|
|
Oct-21 |
31 |
110.06 |
|
|
Sep-21 |
30 |
137.43 |
|
|
Aug-21 |
31 |
75.65 |
|
|
Jul-21 |
31 |
111.35 |
|
|
Jun-21 |
30 |
150.77 |
NDX Exposure, 1st NDX, 2nd NDX, 3rd NDX, 4th NDX, Total NDX Risk로 구성
| NDX Exposure |
1st NDX |
2nd NDX |
3rd NDX |
4th NDX |
Total NDX Risk |
|
Months t/o |
Running t/o |
20 |
10% |
125 |
15% |
201 |
33% |
334 |
42% |
30,199 |
| 31 |
5,234.00 |
5,234.00 |
3,376.77 |
337.68 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
337.68 |
| 61 |
3,456.00 |
8,690.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 92 |
4,563.00 |
13,253.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 120 |
5,634.00 |
18,887.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 151 |
6,345.00 |
25,232.00 |
0.00 |
0.00 |
19,910.39 |
2,986.56 |
0.00 |
0.00 |
0.00 |
0.00 |
2,986.56 |
| 182 |
1,234.00 |
26,466.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 212 |
2,341.00 |
28,807.00 |
0.00 |
0.00 |
0.00 |
0.00 |
27,948.63 |
9,223.05 |
0.00 |
0.00 |
9,223.05 |
| 243 |
3,412.00 |
32,219.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 273 |
4,123.00 |
36,342.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 304 |
2,345.00 |
38,687.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 335 |
3,452.00 |
42,139.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
42,027.65 |
17,651.61 |
17,651.61 |
| 365 |
4,523.00 |
46,662.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Refund Risk, Refund Ratio, Industry Refund days:로 구성
| Refund Risk |
Refund Ratio |
Industry Refund days: |
| 19 |
3.80% |
3 |
| 198.89 |
198.89 |
19.25 |
| 131.33 |
330.22 |
0.00 |
| 173.39 |
503.61 |
0.00 |
| 214.09 |
717.71 |
0.00 |
| 241.11 |
958.82 |
0.00 |
| 46.89 |
1,005.71 |
0.00 |
| 88.96 |
1,094.67 |
0.00 |
| 129.66 |
1,224.32 |
0.00 |
| 156.67 |
1,381.00 |
0.00 |
| 89.11 |
1,470.11 |
0.00 |
| 131.18 |
1,601.28 |
0.00 |
| 171.87 |
1,773.16 |
0.00 |
Chargeback Risk, Chargeback Radios, Chargeback Risk로 구성
| Chargeback Risk |
Chargeback Radios |
Chargeback Risk |
|
0.48% |
50 |
| 5,234.00 |
1.00 |
25.33 |
| 2,522.88 |
0.73 |
12.21 |
| 1,505.79 |
0.33 |
7.29 |
| 788.76 |
0.14 |
3.82 |
| 253.80 |
0.04 |
1.23 |
| 12.34 |
0.01 |
0.06 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
Total Exposure Month로 구성
| Total Exposure Month |
30,801 |
| May-21 |
|
| NDX Exposure |
30,198.90 |
| Refund Exposure |
19.25 |
| Chargeback Exposure |
49.94 |
| MSC Exposure |
157.02 |
| Membership Exposure |
376.29 |
Month, No.Days, Date, Days in Month, Avg day t/o in month로 구성
| Average days card turnover |
|
|
Date |
Days in Month |
Avg day t/o in month |
|
|
Apr-21 |
30 |
115.20 |
|
|
Mar-21 |
31 |
147.19 |
|
|
Feb-21 |
28 |
201.21 |
|
|
Jan-21 |
31 |
204.68 |
|
|
Dec-21 |
31 |
39.81 |
|
|
Nov-21 |
30 |
78.03 |
|
|
Oct-21 |
31 |
110.06 |
|
|
Sep-21 |
30 |
137.43 |
|
|
Aug-21 |
31 |
75.65 |
|
|
Jul-21 |
31 |
111.35 |
|
|
Jun-21 |
30 |
150.77 |
|
|
May-21 |
31 |
168.84 |
NDX Exposure, 1st NDX, 2nd NDX, 3rd NDX, 4th NDX, Total NDX Risk로 구성
| NDX Exposure |
1st NDX |
2nd NDX |
3rd NDX |
4th NDX |
Total NDX Risk |
|
Months t/o |
Running t/o |
20 |
10% |
125 |
15% |
201 |
33% |
334 |
42% |
29,165 |
| 30 |
3,456.00 |
3,456.00 |
2,304.00 |
230.40 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
230.40 |
| 61 |
4,563.00 |
8,019.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 89 |
5,634.00 |
13,653.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 120 |
6,345.00 |
19,998.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 151 |
1,234.00 |
21,232.00 |
0.00 |
0.00 |
20,197.03 |
3,029.55 |
0.00 |
0.00 |
0.00 |
0.00 |
3,029.55 |
| 181 |
2,341.00 |
23,573.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 212 |
3,412.00 |
26,985.00 |
0.00 |
0.00 |
0.00 |
0.00 |
25,774.29 |
8,505.52 |
0.00 |
0.00 |
8,505.52 |
| 242 |
4,123.00 |
31,108.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 273 |
2,345.00 |
33,453.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 304 |
3,452.00 |
36,905.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 334 |
4,523.00 |
41,428.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
41,428.00 |
17,399.76 |
17,399.76 |
| 365 |
5,234.00 |
46,662.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Refund Risk, Refund Ratio, Industry Refund days:로 구성
| Refund Risk |
Refund Ratio |
Industry Refund days: |
| 13 |
3.80% |
3 |
| 131.33 |
131.33 |
13.13 |
| 173.39 |
304.72 |
0.00 |
| 214.09 |
518.81 |
0.00 |
| 241.11 |
759.92 |
0.00 |
| 46.89 |
806.82 |
0.00 |
| 88.96 |
895.77 |
0.00 |
| 129.66 |
1,025.43 |
0.00 |
| 156.67 |
1,182.10 |
0.00 |
| 89.11 |
1,271.21 |
0.00 |
| 131.18 |
1,402.39 |
0.00 |
| 171.87 |
1,574.26 |
0.00 |
| 198.89 |
1,773.16 |
0.00 |
Chargeback Risk, Chargeback Radios, Chargeback Risk로 구성
| Chargeback Risk |
Chargeback Radios |
Chargeback Risk |
|
0.48% |
46 |
| 3,456.00 |
1.00 |
16.73 |
| 3,330.99 |
0.73 |
16.12 |
| 1,859.22 |
0.33 |
9.00 |
| 888.30 |
0.14 |
4.30 |
| 49.36 |
0.04 |
0.24 |
| 23.41 |
0.01 |
0.11 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
Total Exposure Month로 구성
| Total Exposure Month |
29,705 |
| Apr-21 |
|
| NDX Exposure |
29,165.23 |
| Refund Exposure |
13.13 |
| Chargeback Exposure |
46.50 |
| MSC Exposure |
103.68 |
| Membership Exposure |
376.29 |
Month, No.Days, Date, Days in Month, Avg day t/o in month로 구성
| Average days card turnover |
|
|
Date |
Days in Month |
Avg day t/o in month |
|
|
Mar-21 |
31 |
147.19 |
|
|
Feb-21 |
28 |
201.21 |
|
|
Jan-21 |
31 |
204.68 |
|
|
Dec-21 |
31 |
39.81 |
|
|
Nov-21 |
30 |
78.03 |
|
|
Oct-21 |
31 |
110.06 |
|
|
Sep-21 |
30 |
137.43 |
|
|
Aug-21 |
31 |
75.65 |
|
|
Jul-21 |
31 |
111.35 |
|
|
Jun-21 |
30 |
150.77 |
|
|
May-21 |
31 |
168.84 |
|
|
Apr-21 |
30 |
115.20 |
NDX Exposure, 1st NDX, 2nd NDX, 3rd NDX, 4th NDX, Total NDX Risk로 구성
| NDX Exposure |
1st NDX |
2nd NDX |
3rd NDX |
4th NDX |
Total NDX Risk |
|
Months t/o |
Running t/o |
20 |
10% |
125 |
15% |
201 |
33% |
334 |
42% |
29,709 |
| 31 |
4,563.00 |
4,563.00 |
2,943.87 |
294.39 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
294.39 |
| 59 |
5,634.00 |
10,197.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 90 |
6,345.00 |
16,542.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 121 |
1,234.00 |
17,776.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 151 |
2,341.00 |
20,117.00 |
0.00 |
0.00 |
18,088.13 |
2,713.22 |
0.00 |
0.00 |
0.00 |
0.00 |
2,713.22 |
| 182 |
3,412.00 |
23,529.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 212 |
4,123.00 |
27,652.00 |
0.00 |
0.00 |
0.00 |
0.00 |
26,140.23 |
8,626.28 |
0.00 |
0.00 |
8,626.28 |
| 243 |
2,345.00 |
29,997.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 274 |
3,452.00 |
33,449.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 304 |
4,523.00 |
37,972.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 335 |
5,234.00 |
43,206.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
43,037.16 |
18,075.61 |
18,075.61 |
| 365 |
3,456.00 |
46,662.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Refund Risk, Refund Ratio, Industry Refund days:로 구성
| Refund Risk |
Refund Ratio |
Industry Refund days: |
| 17 |
3.80% |
3 |
| 173.39 |
173.39 |
16.78 |
| 214.09 |
387.49 |
0.00 |
| 241.11 |
628.60 |
0.00 |
| 46.89 |
675.49 |
0.00 |
| 88.96 |
764.45 |
0.00 |
| 129.66 |
894.10 |
0.00 |
| 156.67 |
1,050.78 |
0.00 |
| 89.11 |
1,139.89 |
0.00 |
| 131.18 |
1,271.06 |
0.00 |
| 171.87 |
1,442.94 |
0.00 |
| 198.89 |
1,641.83 |
0.00 |
| 131.33 |
1,773.16 |
0.00 |
Chargeback Risk, Chargeback Radios, Chargeback Risk로 구성
| Chargeback Risk |
Chargeback Radios |
Chargeback Risk |
|
0.48% |
54 |
| 4,563.00 |
1.00 |
22.08 |
| 4,112.82 |
0.73 |
19.91 |
| 2,093.85 |
0.33 |
10.13 |
| 172.76 |
0.14 |
0.84 |
| 93.64 |
0.04 |
0.45 |
| 34.12 |
0.01 |
0.17 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
Total Exposure Month로 구성
| Total Exposure Month |
30,293 |
| Mar-21 |
|
| NDX Exposure |
29,709.49 |
| Refund Exposure |
16.78 |
| Chargeback Exposure |
53.58 |
| MSC Exposure |
136.89 |
| Membership Exposure |
376.29 |
Month, No.Days, Date, Days in Month, Avg day t/o in month로 구성
| Average days card turnover |
|
|
Date |
Days in Month |
Avg day t/o in month |
|
|
Feb-21 |
28 |
201.21 |
|
|
Jan-21 |
31 |
204.68 |
|
|
Dec-21 |
31 |
39.81 |
|
|
Nov-21 |
30 |
78.03 |
|
|
Oct-21 |
31 |
110.06 |
|
|
Sep-21 |
30 |
137.43 |
|
|
Aug-21 |
31 |
75.65 |
|
|
Jul-21 |
31 |
111.35 |
|
|
Jun-21 |
30 |
150.77 |
|
|
May-21 |
31 |
168.84 |
|
|
Apr-21 |
30 |
115.20 |
|
|
Mar-21 |
31 |
147.19 |
NDX Exposure, 1st NDX, 2nd NDX, 3rd NDX, 4th NDX, Total NDX Risk로 구성
| NDX Exposure |
1st NDX |
2nd NDX |
3rd NDX |
4th NDX |
Total NDX Risk |
|
Months t/o |
Running t/o |
20 |
10% |
125 |
15% |
201 |
33% |
334 |
42% |
28,618 |
| 28 |
5,634.00 |
5,634.00 |
4,024.29 |
402.43 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
402.43 |
| 59 |
6,345.00 |
11,979.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 90 |
1,234.00 |
13,213.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 120 |
2,341.00 |
15,554.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 151 |
3,412.00 |
18,966.00 |
0.00 |
0.00 |
16,104.32 |
2,415.65 |
0.00 |
0.00 |
0.00 |
0.00 |
2,415.65 |
| 181 |
4,123.00 |
23,089.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 212 |
2,345.00 |
25,434.00 |
0.00 |
0.00 |
0.00 |
0.00 |
24,601.90 |
8,118.63 |
0.00 |
0.00 |
8,118.63 |
| 243 |
3,452.00 |
28,886.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 273 |
4,523.00 |
33,409.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 304 |
5,234.00 |
38,643.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 334 |
3,456.00 |
42,099.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
42,099.00 |
17,681.58 |
17,681.58 |
| 365 |
4,563.00 |
46,662.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Refund Risk, Refund Ratio, Industry Refund days:로 구성
| Refund Risk |
Refund Ratio |
Industry Refund days: |
| 23 |
3.80% |
3 |
| 214.09 |
214.09 |
22.94 |
| 241.11 |
455.20 |
0.00 |
| 46.89 |
502.09 |
0.00 |
| 88.96 |
591.05 |
0.00 |
| 129.66 |
720.71 |
0.00 |
| 156.67 |
877.38 |
0.00 |
| 89.11 |
966.49 |
0.00 |
| 131.18 |
1,097.67 |
0.00 |
| 171.87 |
1,269.54 |
0.00 |
| 198.89 |
1,468.43 |
0.00 |
| 131.33 |
1,599.76 |
0.00 |
| 173.39 |
1,773.16 |
0.00 |
Chargeback Risk, Chargeback Radios, Chargeback Risk로 구성
| Chargeback Risk |
Chargeback Radios |
Chargeback Risk |
|
0.48% |
54 |
| 5,634.00 |
1.00 |
27.27 |
| 4,631.85 |
0.73 |
22.42 |
| 407.22 |
0.33 |
1.97 |
| 327.74 |
0.14 |
1.59 |
| 136.48 |
0.04 |
0.66 |
| 41.23 |
0.01 |
0.20 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
Total Exposure Month로 구성
| Total Exposure Month |
29,241 |
| Feb-21 |
|
| NDX Exposure |
28,618.29 |
| Refund Exposure |
22.94 |
| Chargeback Exposure |
54.10 |
| MSC Exposure |
169.02 |
| Membership Exposure |
376.29 |
Month, No.Days, Date, Days in Month, Avg day t/o in month로 구성
| Average days card turnover |
|
|
Date |
Days in Month |
Avg day t/o in month |
|
|
Jan-21 |
31 |
204.68 |
|
|
Dec-21 |
31 |
39.81 |
|
|
Nov-21 |
30 |
78.03 |
|
|
Oct-21 |
31 |
110.06 |
|
|
Sep-21 |
30 |
137.43 |
|
|
Aug-21 |
31 |
75.65 |
|
|
Jul-21 |
31 |
111.35 |
|
|
Jun-21 |
30 |
150.77 |
|
|
May-21 |
31 |
168.84 |
|
|
Apr-21 |
30 |
115.20 |
|
|
Mar-21 |
31 |
147.19 |
|
|
Feb-21 |
28 |
201.21 |
NDX Exposure, 1st NDX, 2nd NDX, 3rd NDX, 4th NDX, Total NDX Risk로 구성
| NDX Exposure |
1st NDX |
2nd NDX |
3rd NDX |
4th NDX |
Total NDX Risk |
|
Months t/o |
Running t/o |
20 |
10% |
125 |
15% |
201 |
33% |
334 |
42% |
18,208 |
| 31 |
6,345.00 |
6,345.00 |
4,093.55 |
409.35 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
409.35 |
| 62 |
1,234.00 |
7,579.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 92 |
2,341.00 |
1,234.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 123 |
3,412.00 |
3,575.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 153 |
4,123.00 |
6,987.00 |
0.00 |
0.00 |
3,849.87 |
577.48 |
0.00 |
0.00 |
0.00 |
0.00 |
577.48 |
| 184 |
2,345.00 |
11,110.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 215 |
3,452.00 |
13,455.00 |
0.00 |
0.00 |
0.00 |
0.00 |
13,003.03 |
4,291.00 |
0.00 |
0.00 |
4,291.00 |
| 245 |
4,523.00 |
16,907.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 276 |
5,234.00 |
21,430.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 306 |
3,456.00 |
26,664.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 337 |
4,563.00 |
30,120.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
30,785.42 |
12,929.88 |
12,929.88 |
| 365 |
5,634.00 |
34,683.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Refund Risk, Refund Ratio, Industry Refund days:로 구성
| Refund Risk |
Refund Ratio |
Industry Refund days: |
| 23 |
3.80% |
3 |
| 241.11 |
241.11 |
23.33 |
| 46.89 |
288.00 |
0.00 |
| 88.96 |
376.96 |
0.00 |
| 129.66 |
506.62 |
0.00 |
| 156.67 |
663.29 |
0.00 |
| 89.11 |
752.40 |
0.00 |
| 131.18 |
883.58 |
0.00 |
| 171.87 |
1,055.45 |
0.00 |
| 198.89 |
1,254.34 |
0.00 |
| 131.33 |
1,385.67 |
0.00 |
| 173.39 |
1,559.06 |
0.00 |
| 214.09 |
1,773.16 |
0.00 |
Chargeback Risk, Chargeback Radios, Chargeback Risk로 구성
| Chargeback Risk |
Chargeback Radios |
Chargeback Risk |
|
0.48% |
42 |
| 6,345.00 |
1.00 |
30.71 |
| 900.82 |
0.73 |
4.36 |
| 772.53 |
0.33 |
3.74 |
| 477.68 |
0.14 |
2.31 |
| 164.92 |
0.04 |
0.80 |
| 23.45 |
0.01 |
0.11 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
| 0.00 |
0.00 |
0.00 |
Total Exposure Month로 구성
| Total Exposure Month |
18,840 |
| Jan-21 |
|
| NDX Exposure |
18,207.71 |
| Refund Exposure |
23.33 |
| Chargeback Exposure |
42.03 |
| MSC Exposure |
190.35 |
| Membership Exposure |
376.29 |