At the top you'll see the Current APY. This Annual Percentage Yield (APY) is the interest that will be added to your loan over the course of a full calendar-year. One year from now, with these numbers, you can expect the Loan to have a value of 25.81. The APY changes depending on the current pool utilisation rate. The APY is an estimate, calculated based on daily compounding. The difference in APY between daily and secondly compounding is negligent.
On the left the Loan is displayed. This is the amount you have borrowed + any added interest. Whenever someone interacts with the lending pool -by depositing/withdrawing or lending/repaying- the interest gets added to all loans.
At the right the value of the collateral is displayed. This is the amount you added to your prime brokerage account from your wallet, adjusted for any profits/losses made with the account. The collateral shown is the total value of your portfolio, converted into the pool specific token (in this example AVAX). You can move funds from and to your personal wallet, by using the + and - buttons right below it. Keep in mind you can only withdraw to your wallet an amount that keeps your LTV healthy.
The LTV (Loan-To-Value) is the health factor of your Prime Account, also known as your solvency. The goal of the LTV is to ensure loan repayment to depositors. In order to protect depositors' funds, the protocol will reject every internal action that would put the Prime Account in an unhealthy position. When a Prime Account becomes unhealthy due to external reasons, liquidation bots of DeltaPrime, as well as of the community, will partially liquidate the outstanding borrows to increase solvency back to a healthy ratio. The max LTV = 500%
The LTV displays the worth of your borrows divided by the total value of your collateral. In simple terms this comes down to how many times your collateral fits into your borrows, in the case of the upper image 4.32 times.
The health factor can also be expressed as a collateral ratio. The collateral ratio describes the part of your total portfolio that is covered by your collateral. To calculate the collateral ratio, you divide 1 by the LTV in whole numbers (100% = 1). The collateral ratio here is 1/4.32 = 23.14%. This means that 23.14% of your borrows are covered by your collateral. This makes it an undercollateralized position.
You can manage your health by changing the size of your borrows and/or your collateral. To improve your account health deposit more collateral or repay part of your borrows. When your account becomes to unhealthy the partial repayment is forced. This is called liquidation.