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Credit Granting

Pack file: catalog/industries/credit_granting in ambient-core.

Workspace demo (screenshots) · Catalog consumption

Industry summary​

Industry code

ISIC Rev.4 6492

41 metrics · 8 data options

NAICS 2022
522291 (also 522220)
NACE Rev.2
64.92
GICS 2023
402020 (also 402010)

Taxonomy tags from ambient-core pack.yaml / manifest v3 (analysis lens, not legal-entity self-classification). Coverage notes: catalog-industry-coverage.md.

Data options (8)​

Aggregated commercial loan book summary​

Catalog key credit_granting.commercial_lending.commercial_loan_book_summary

Fields

date
date
entity_segment
string
outstanding_commercial_loans
string
interest_income
string
average_commercial_loans
string
non_performing_commercial_loans
string
total_commercial_loans
decimal
net_charge_offs
string
delinquent_balance_30_plus
string
origination_volume
decimal
weighted_ltv_numerator
string
drawn_commitments
string
total_commitments
decimal
sustainable_loan_balance
string

Aggregated commercial treasury summary​

Catalog key credit_granting.commercial_lending.commercial_treasury_summary

Fields

date
date
entity_segment
string
treasury_fee_revenue
decimal
average_commercial_deposits
string
commercial_payment_volume
decimal

Aggregated consumer loan tape summary​

Catalog key credit_granting.consumer_lending.loan_tape_summary

Fields

date
date
product_line
string
interest_income
string
average_receivables
string
net_charge_offs
string
delinquent_balance_30_plus
string
total_receivables
decimal
origination_volume_growth
decimal
payment_volume
decimal
bnpl_origination_growth
string
embedded_channel_revenue
enum
total_consumer_finance_revenue
decimal
rtp_payment_volume
decimal
merchant_acquiring_volume
decimal

Accounting Software​

Catalog key credit_granting.core.accounting_software

Fields

date
date
period_start_date
date
period_end_date
date
revenue
decimal
cogs
decimal
cost_of_goods
decimal
operating_expenses
decimal
net_income
decimal
produce_revenue
decimal
total_production_cost
decimal
total_operational_cost
decimal

Financial statements​

Catalog key credit_granting.core.financial_statements

Fields

date
date
statement_type
enum
period_start_date
date
period_end_date
date

HR records​

Catalog key credit_granting.core.hr_records

Fields

date
date
headcount
decimal

Payroll records​

Catalog key credit_granting.core.payroll_records

Fields

date
date
period_start_date
date
period_end_date
date
headcount
decimal
gross_pay
decimal
net_pay
decimal
employer_taxes
decimal
labor_cost
decimal
revenue
decimal
net_income
decimal
total_labor_costs
decimal
total_harvested_kg
decimal
total_production_cost
decimal
total_operational_cost
decimal
drivers_left
decimal
total_drivers
decimal
total_maintenance_costs
decimal
total_miles
decimal

Aggregated residential mortgage book summary​

Catalog key credit_granting.residential_mortgage.residential_mortgage_book_summary

Fields

date
date
product_line
string
interest_income
string
average_mortgage_balances
string
delinquent_balance_30_plus
string
total_mortgage_balances
decimal
weighted_ltv_numerator
string
origination_volume
decimal

Metrics (41)​

Commercial Loan Growth​

  • ID: 1760
  • Type: Operational
  • Unit: %
  • Description: Year-over-year growth in outstanding commercial and C&I loan balances (aggregated).
  • Methodology: Loan Growth = ((Current Outstanding − Prior Outstanding) / Prior Outstanding) × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: credit_granting.commercial_lending.commercial_loan_growth

Commercial Payment Volume​

  • ID: 1776
  • Type: Financial
  • Unit: Currency
  • Description: B2B payment and wire volume processed for commercial clients (aggregated).
  • Methodology: Directly measured payment volume in period.
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: credit_granting.commercial_lending.commercial_payment_volume

Commercial 30+ Day Delinquency Rate​

  • ID: 1765
  • Type: Financial
  • Unit: %
  • Description: Share of commercial loan balances past due 30 days or more (aggregated).
  • Inputs: delinquent_balance_30_plus, total_commercial_loans
  • Methodology: Delinquency Rate = (Delinquent Balance 30+ / Total Commercial Loans) × 100
  • Calculation: delinquent_balance_30_plus / total_commercial_loans * 100
  • Catalog key: credit_granting.commercial_lending.delinquency_rate_30d

Commercial Net Charge-Off Rate​

  • ID: 1763
  • Type: Financial
  • Unit: %
  • Description: Commercial charge-offs net of recoveries as a share of average commercial loans.
  • Inputs: net_charge_offs, average_commercial_loans
  • Methodology: NCO Rate = (Net Charge-Offs / Average Commercial Loans) × 100
  • Calculation: net_charge_offs / average_commercial_loans * 100
  • Catalog key: credit_granting.commercial_lending.net_charge_off_rate

Commercial NPL Ratio​

  • ID: 1762
  • Type: Financial
  • Unit: %
  • Description: Share of commercial loans past due or non-accrual (aggregated credit quality).
  • Inputs: non_performing_commercial_loans, total_commercial_loans
  • Methodology: NPL Ratio = (Non-Performing Commercial Loans / Total Commercial Loans) × 100
  • Calculation: non_performing_commercial_loans / total_commercial_loans * 100
  • Catalog key: credit_granting.commercial_lending.non_performing_loan_ratio

Commercial Origination Volume Growth​

  • ID: 1764
  • Type: Operational
  • Unit: %
  • Description: Year-over-year growth in new commercial loan commitments or fundings (aggregated).
  • Methodology: Origination Growth = ((Current Originations − Prior Originations) / Prior Originations) × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: credit_granting.commercial_lending.origination_volume_growth

Portfolio DSCR​

  • ID: 1772
  • Type: Financial
  • Unit: Number
  • Description: Loan-weighted average debt service coverage on commercial book (lender view).
  • Methodology: Portfolio DSCR = Σ(DSCR × Loan Weight) on reporting book
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: credit_granting.commercial_lending.portfolio_dscr

Commercial Portfolio Yield​

  • ID: 1761
  • Type: Financial
  • Unit: %
  • Description: Interest income on commercial loans relative to average outstanding balance (aggregated C&I and middle market).
  • Inputs: interest_income, average_commercial_loans
  • Methodology: Portfolio Yield = (Interest Income / Average Commercial Loans) × 100
  • Calculation: interest_income / average_commercial_loans * 100
  • Catalog key: credit_granting.commercial_lending.portfolio_yield

Revolver Utilization Rate​

  • ID: 1774
  • Type: Financial
  • Unit: %
  • Description: Drawn committed lines relative to total commitments (aggregated).
  • Inputs: drawn_commitments, total_commitments
  • Methodology: Utilization = (Drawn Commitments / Total Commitments) × 100
  • Calculation: drawn_commitments / total_commitments * 100
  • Catalog key: credit_granting.commercial_lending.revolver_utilization_rate

Sector Concentration Index​

  • ID: 1773
  • Type: Financial
  • Unit: Number
  • Description: Herfindahl-style concentration of commercial exposures by industry sector (org book).
  • Methodology: HHI = Σ(Sector Share²) × 10000 on outstanding balances
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: credit_granting.commercial_lending.sector_concentration_index

Sustainable Finance Share​

  • ID: 1777
  • Type: Financial
  • Unit: %
  • Description: Share of commercial outstandings tagged as sustainable or green-labeled (aggregated).
  • Inputs: sustainable_loan_balance, total_commercial_loans
  • Methodology: Sustainable Share = (Sustainable Loan Balance / Total Commercial Loans) × 100
  • Calculation: sustainable_loan_balance / total_commercial_loans * 100
  • Catalog key: credit_granting.commercial_lending.sustainable_finance_share

Treasury Fee Yield​

  • ID: 1775
  • Type: Financial
  • Unit: %
  • Description: Cash management and liquidity service fees relative to commercial deposit balances.
  • Inputs: treasury_fee_revenue, average_commercial_deposits
  • Methodology: Treasury Fee Yield = (Treasury Fee Revenue / Average Commercial Deposits) × 100
  • Calculation: treasury_fee_revenue / average_commercial_deposits * 100
  • Catalog key: credit_granting.commercial_lending.treasury_fee_yield

Weighted Average LTV​

  • ID: 1771
  • Type: Financial
  • Unit: %
  • Description: Loan-weighted LTV on commercial and CRE portfolios (lender book view).
  • Inputs: weighted_ltv_numerator, total_commercial_loans
  • Methodology: WA LTV = Σ(Loan Balance × LTV) / Σ Loan Balances
  • Calculation: weighted_ltv_numerator / total_commercial_loans * 100
  • Catalog key: credit_granting.commercial_lending.weighted_average_ltv

BNPL Origination Growth​

  • ID: 1725
  • Type: Operational
  • Unit: %
  • Description: Year-over-year growth in buy-now-pay-later originations (aggregated).
  • Methodology: BNPL Growth = ((Current BNPL Originations − Prior) / Prior) × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: credit_granting.consumer_lending.bnpl_origination_growth

30+ Day Delinquency Rate​

  • ID: 1722
  • Type: Financial
  • Unit: %
  • Description: Share of receivables past due 30 days or more (aggregated).
  • Inputs: delinquent_balance_30_plus, total_receivables
  • Methodology: Delinquency Rate = (Delinquent Balance 30+ / Total Receivables) × 100
  • Calculation: delinquent_balance_30_plus / total_receivables * 100
  • Catalog key: credit_granting.consumer_lending.delinquency_rate_30d

Embedded Finance Revenue Share​

  • ID: 1726
  • Type: Financial
  • Unit: %
  • Description: Share of consumer finance revenue from embedded or partner channels (aggregated).
  • Inputs: embedded_channel_revenue, total_consumer_finance_revenue
  • Methodology: Embedded Share = (Embedded Channel Revenue / Total Consumer Finance Revenue) × 100
  • Calculation: embedded_channel_revenue / total_consumer_finance_revenue * 100
  • Catalog key: credit_granting.consumer_lending.embedded_finance_revenue_share

Merchant Acquiring Volume​

  • ID: 1728
  • Type: Financial
  • Unit: Currency
  • Description: Card acquiring volume where bank is acquirer or sponsor (consumer-facing, aggregated).
  • Methodology: Directly measured acquiring volume in period.
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: credit_granting.consumer_lending.merchant_acquiring_volume

Net Charge-Off Rate​

  • ID: 1721
  • Type: Financial
  • Unit: %
  • Description: Charge-offs net of recoveries as a share of average receivables.
  • Inputs: net_charge_offs, average_receivables
  • Methodology: NCO Rate = (Net Charge-Offs / Average Receivables) × 100
  • Calculation: net_charge_offs / average_receivables * 100
  • Catalog key: credit_granting.consumer_lending.net_charge_off_rate

Origination Volume Growth​

  • ID: 1723
  • Type: Operational
  • Unit: %
  • Description: Year-over-year growth in new consumer loan originations (aggregated).
  • Methodology: Origination Growth = ((Current Originations − Prior Originations) / Prior Originations) × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: credit_granting.consumer_lending.origination_volume_growth

Card Payment Volume​

  • ID: 1724
  • Type: Financial
  • Unit: Currency
  • Description: Total payment transaction volume for card portfolios (aggregated; fee revenue proxy).
  • Methodology: Directly measured payment volume in period.
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: credit_granting.consumer_lending.payment_volume

Portfolio Yield​

  • ID: 1720
  • Type: Financial
  • Unit: %
  • Description: Interest income on consumer receivables relative to average outstanding balance (aggregated).
  • Inputs: interest_income, average_receivables
  • Methodology: Portfolio Yield = (Interest Income / Average Receivables) × 100
  • Calculation: interest_income / average_receivables * 100
  • Catalog key: credit_granting.consumer_lending.portfolio_yield

RTP Payment Volume​

  • ID: 1727
  • Type: Financial
  • Unit: Currency
  • Description: Real-time payments volume for consumer-facing rails (aggregated).
  • Methodology: Directly measured RTP volume in period.
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: credit_granting.consumer_lending.rtp_payment_volume

Monthly Burn Rate​

  • ID: 1712
  • Type: Financial
  • Unit: Currency/month
  • Description: Net cash consumed per month (negative net operating cash flow).
  • Inputs: cash_out, cash_in
  • Methodology: Net Burn = Cash Out − Cash In (per month)
  • Calculation: cash_out - cash_in
  • Catalog key: credit_granting.core.burn_rate

Cash Conversion Cycle​

  • ID: 1710
  • Type: Financial
  • Unit: Days
  • Description: Days to convert investments in inventory and receivables back into cash.
  • Inputs: days_inventory_outstanding
  • Methodology: CCC = DSO + Days Inventory Outstanding − DPO
  • Calculation: dso + days_inventory_outstanding - dpo
  • Catalog key: credit_granting.core.ccc

Current Ratio​

  • ID: 1700
  • Type: Financial
  • Unit: Ratio
  • Description: Short-term liquidity: ability to cover current liabilities with current assets.
  • Inputs: current_assets, current_liabilities
  • Methodology: Current Ratio = Current Assets / Current Liabilities
  • Calculation: current_assets / current_liabilities
  • Catalog key: credit_granting.core.current_ratio

Days Payable Outstanding (DPO)​

  • ID: 1709
  • Type: Financial
  • Unit: Days
  • Description: Average number of days the business takes to pay its suppliers.
  • Inputs: accounts_payable, cogs, days
  • Methodology: DPO = (Accounts Payable / COGS) × Number of Days
  • Calculation: accounts_payable / cogs * days
  • Catalog key: credit_granting.core.dpo

Days Sales Outstanding (DSO)​

  • ID: 1708
  • Type: Financial
  • Unit: Days
  • Description: Average number of days to collect cash after a sale.
  • Inputs: accounts_receivable, total_credit_sales, days
  • Methodology: DSO = (Accounts Receivable / Total Credit Sales) × Number of Days
  • Calculation: accounts_receivable / total_credit_sales * days
  • Catalog key: credit_granting.core.dso

EBITDA Margin​

  • ID: 1704
  • Type: Financial
  • Unit: %
  • Description: Core operating cash profitability before interest, tax, depreciation and amortization.
  • Inputs: ebitda, revenue
  • Methodology: EBITDA Margin = (EBITDA / Revenue) × 100
  • Calculation: ebitda / revenue * 100
  • Catalog key: credit_granting.core.ebitda_margin

Gross Profit Margin​

  • ID: 1702
  • Type: Financial
  • Unit: %
  • Description: Share of revenue retained after the direct cost of goods sold.
  • Inputs: revenue, cogs
  • Methodology: Gross Margin = ((Revenue − COGS) / Revenue) × 100
  • Calculation: (revenue - cogs) / revenue * 100
  • Catalog key: credit_granting.core.gross_margin

Headcount (FTE)​

  • ID: 1714
  • Type: Operational
  • Unit: Count
  • Description: Period-end count of active full-time-equivalent employees. A directly measured input, not a derived ratio.
  • Methodology: Period-end count of active employees expressed as full-time equivalents (directly measured, not calculated).
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: credit_granting.core.headcount

Net Profit Margin​

  • ID: 1705
  • Type: Financial
  • Unit: %
  • Description: Bottom-line profitability after all costs, interest and tax.
  • Inputs: net_income, revenue
  • Methodology: Net Profit Margin = (Net Income / Revenue) × 100
  • Calculation: net_income / revenue * 100
  • Catalog key: credit_granting.core.net_margin

Operating Cash Flow​

  • ID: 1711
  • Type: Financial
  • Unit: Currency (e.g., USD)
  • Description: Cash generated by core operations during the period.
  • Inputs: net_income, non_cash_charges, increase_in_working_capital
  • Methodology: Operating Cash Flow = Net Income + Non-Cash Charges − Increase in Working Capital
  • Calculation: net_income + non_cash_charges - increase_in_working_capital
  • Catalog key: credit_granting.core.operating_cash_flow

Operating Margin (EBIT)​

  • ID: 1703
  • Type: Financial
  • Unit: %
  • Description: Operating profitability after operating expenses (EBIT margin).
  • Inputs: operating_income, revenue
  • Methodology: Operating Margin = (Operating Income / Revenue) × 100
  • Calculation: operating_income / revenue * 100
  • Catalog key: credit_granting.core.operating_margin

Quick Ratio (Acid Test)​

  • ID: 1701
  • Type: Financial
  • Unit: Ratio
  • Description: Acid-test liquidity excluding inventory — most conservative short-term solvency view.
  • Inputs: current_assets, inventory, current_liabilities
  • Methodology: Quick Ratio = (Current Assets − Inventory) / Current Liabilities
  • Calculation: (current_assets - inventory) / current_liabilities
  • Catalog key: credit_granting.core.quick_ratio

Revenue Growth Rate​

  • ID: 1706
  • Type: Financial
  • Unit: %
  • Description: Period-over-period revenue growth rate.
  • Inputs: revenue, revenue_prior
  • Methodology: Revenue Growth = ((Current Period Revenue − Prior Period Revenue) / Prior Period Revenue) × 100
  • Calculation: (revenue - revenue_prior) / revenue_prior * 100
  • Catalog key: credit_granting.core.revenue_growth

Cash Runway​

  • ID: 1713
  • Type: Financial
  • Unit: Months
  • Description: Number of months of cash remaining at the current net burn rate.
  • Inputs: current_cash_balance
  • Methodology: Runway (months) = Current Cash Balance / Monthly Net Burn
  • Calculation: current_cash_balance / burn_rate
  • Catalog key: credit_granting.core.runway

Working Capital​

  • ID: 1707
  • Type: Financial
  • Unit: Currency (e.g., USD)
  • Description: Operating liquidity available to fund day-to-day operations.
  • Inputs: current_assets, current_liabilities
  • Methodology: Working Capital = Current Assets − Current Liabilities
  • Calculation: current_assets - current_liabilities
  • Catalog key: credit_granting.core.working_capital

Residential Mortgage 30+ Day Delinquency​

  • ID: 1791
  • Type: Financial
  • Unit: %
  • Description: Share of mortgage balances past due 30+ days (lender book).
  • Inputs: delinquent_balance_30_plus, total_mortgage_balances
  • Methodology: Delinquency Rate = (Delinquent Balance 30+ / Total Mortgage Balances) × 100
  • Calculation: delinquent_balance_30_plus / total_mortgage_balances * 100
  • Catalog key: credit_granting.residential_mortgage.delinquency_rate_30d

Residential Mortgage Origination Growth​

  • ID: 1793
  • Type: Operational
  • Unit: %
  • Description: Year-over-year growth in new mortgage originations (aggregated).
  • Methodology: Origination Growth = ((Current − Prior) / Prior) × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: credit_granting.residential_mortgage.origination_volume_growth

Residential Mortgage Portfolio Yield​

  • ID: 1790
  • Type: Financial
  • Unit: %
  • Description: Interest income on residential mortgage book relative to average balances (lender view).
  • Inputs: interest_income, average_mortgage_balances
  • Methodology: Portfolio Yield = (Interest Income / Average Mortgage Balances) × 100
  • Calculation: interest_income / average_mortgage_balances * 100
  • Catalog key: credit_granting.residential_mortgage.portfolio_yield

Residential Mortgage Weighted Average LTV​

  • ID: 1792
  • Type: Financial
  • Unit: %
  • Description: Loan-weighted LTV on residential mortgage portfolio (lender view).
  • Inputs: weighted_ltv_numerator, total_mortgage_balances
  • Methodology: WA LTV = Σ(Loan Balance × LTV) / Σ Loan Balances
  • Calculation: weighted_ltv_numerator / total_mortgage_balances * 100
  • Catalog key: credit_granting.residential_mortgage.weighted_average_ltv

Data engineering pipeline​

Ambient Core ships the catalog (typed data options and metrics) and ambient_pipeline helpers. Lakehouse jobs and schedules live in the application repository that pins a core tag.

Canonical order: map columns → coerce types → unpivot → stamp lineage → (optional Silver validate) → contract assert → write. Gold vertical products evaluate catalog formulas with ambient_calc after Silver.

How this pack feeds the pipeline​

Further reading: Catalog consumption · Pipeline governance helpers

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