# Dashboard Metrics Explained The Bonzo Finance dashboard provides users with essential information about their lending and borrowing positions. Here's an overview of these metrics:

Terminology	Description
Loan Health Monitor Bar	This bar represents the overall health of all current positions combined. It displays a user's current loan-to-value (LTV) ratio at the top. Using a bar graph representation, the loan health monitor visualizes the overall health of user positions with four distinct regions: 🟢 Safe Zone LTV: Well collateralized (low risk). 🟡 Warning Zone LTV: Approaching borrowing limit (medium risk). 🟠 Danger Zone LTV: Exceeded borrowing limit (high risk). 🔴 Liquidation Zone LTV: Eligible for liquidation. If the loan health bar is in the 🔴 Liquidation Zone LTV it's likely that collateral is in the process of being liquidated already.
Borrow Power	This figure represents the maximum amount a user can borrow based on their supplied collateral. It fluctuates with market conditions, including the value of both supplied collateral and borrowed funds.
Net APY	This percentage shows a user's net earnings or costs from using the platform. It combines the interest earned from lending assets with the interest paid for borrowing assets. A positive number means a user is earning more interest than they are paying.
Health Factor	A crucial metric for borrowers, the Health Factor indicates how close your position is to being liquidated. The higher this number, the safer your position. If it approaches 1, you're at risk of liquidation.
Loan-to-Value (LTV)	This percentage indicates how much value a user has borrowed, relative to the value supplied as collateral. For example, if a user has supplied $1,000 worth of assets as collateral and borrowed $500 worth of assets, their current LTV would be 50%.
Liquidation LTV	This is the maximum LTV a user's position(s) can reach before being susceptible for liquidation. If a user's current LTV reaches this threshold, their collateral may be liquidated to repay their loan.

### **Understanding and Utilization of Metrics** * Users should regularly monitor their **Health Factor**. If it's decreasing, users should consider repaying some of their loan(s) or supplying more assets as collateral. * Use **Borrow Power** wisely — just because a user can borrow more, doesn't always mean they should. * Users should aim to keep **loan-to-value (LTV)** comfortably below the **Liquidation LTV** to maintain a safe position to prevent liquidations. * **Net APY** is an aggregate APY that combines all supply & borrow position APYs to determine an aggregate APY. A positive Net APY means that a user is earning more than they're paying in interest. * *Net APY does not factor in supplemental liquidity incentives (APYs with a ✨ next to them) or the usage of borrowed funds across other DeFi platforms outside of Bonzo Finance.* --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.bonzo.finance/hub/bonzo-lend/bonzo-lend-quickstart/dashboard-metrics-explained.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.