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MIX and the value of Customized Performance Reporting (CPR). Liz Larson, MABS Roundtable, Manila, Philippines. To support the growth of the microfinance industry through a world-class public information platform. What is the MIX?. OUR MISSION:. The Problem: Overcoming data dearth.
Liz Larson, MABS Roundtable, Manila, Philippines
… because …
Lack of transparency stymies industry growth
Company data – on MFIs, Banks & Investors
MFI performance data – individual and in aggregate
Training – financial & operational reporting
Leadership – performance standards
Diagnostic tools for:
2000 2001 2002 2003 2004 2005 2006 2007
Cambodia and Philippines lead portfolio growth in East Asia, with borrowers growing by 32% and 36%.
As leverage increases in Asian microfinance, countries with savings based funding (incl. Philippines) keep stable funding structure.
Asia returns are stable, with slight increase in returns on equity from higher leverage. Returns on equity in the Philippines are increasing especially in 2007.
Asian efficiency remains stable, with biggest gains in developing Afghan sector. Indian subcontinent leads through group lending but Philippines is improving.
Philippine rural banks are much larger than regional peers with the greatest number of depositors and borrowers.
Rural banks have same leverage as peers, with Philippine Rural Banks having the highest deposit to loan ratio.
“MIX Super Bank” serves 2x more borrowers than peer rural banks, and earns higher returns. What drives returns?
“MIX Super Bank” has much higher (+33%) revenues to cover costs and still maintain strong returns. What drives revenues and costs?
“MIX Super Bank” has higher yield, and maximizes its yield through high asset allocation to portfolio. What about costs?
“MIX Super Bank” has higher costs due to higher operating expenses. What drives its higher operating costs?
“MIX Super Bank” maintains same productivity as peers, but high salary structure raises costs. So, in summary …
Despite high salary structure, “MIX Super Bank” achieves high returns through strong yield and asset allocation.
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