Mabs participating banks trends ratings
This presentation is the property of its rightful owner.
Sponsored Links
1 / 26

MABS PARTICIPATING BANKS: TRENDS, RATINGS PowerPoint PPT Presentation


  • 81 Views
  • Uploaded on
  • Presentation posted in: General

MABS PARTICIPATING BANKS: TRENDS, RATINGS. NATIONAL ROUNDTABLE CONFERENCE 21-22 March 2003. TRENDS 35 Participating Banks January 2002 – January 2003. Total Loan Portfolio (Pesos) Jan 2002-Jan 2003. Growth (jan02-jan03): 74% Growth # PB Units: 29% Growth # Active clients: 51%

Download Presentation

MABS PARTICIPATING BANKS: TRENDS, RATINGS

An Image/Link below is provided (as is) to download presentation

Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.


- - - - - - - - - - - - - - - - - - - - - - - - - - E N D - - - - - - - - - - - - - - - - - - - - - - - - - -

Presentation Transcript


Mabs participating banks trends ratings

MABS PARTICIPATING BANKS: TRENDS, RATINGS

NATIONAL ROUNDTABLE CONFERENCE

21-22 March 2003


Trends 35 participating banks january 2002 january 2003

TRENDS35 Participating BanksJanuary 2002 – January 2003


Total loan portfolio pesos jan 2002 jan 2003

Total Loan Portfolio (Pesos)Jan 2002-Jan 2003

  • Growth (jan02-jan03): 74%

    • Growth # PB Units: 29%

    • Growth # Active clients: 51%

    • Loan size to clients: Increasing


Distribution 35 banks by loan portfolio size jan 03

% Distribution, 35 Banks, by Loan Portfolio Size, Jan. ‘03

  • Majority with portfolio of P3.0 M and below

  • Avg. Loan Portfolio: P6.4 M

  • Largest portfolio: P48.0 M


Average outstanding loan size by rollout 2000 jan 2003

Average Outstanding Loan Size, By Rollout, 2000 – Jan 2003

*/June data.


Distribution 35 banks by average loan size to clients 2002

% Distribution, 35 Banks, by Average Loan Size to Clients, 2002

  • Avg. loan sizes are generally small .

  • 2/3 of banks with avg. loan size at <P5k to P16k.


Average size of loans disbursed per month 2000 jan 03 pesos

Average Size of Loans Disbursed Per Month, 2000 – Jan. ’03 (Pesos)

*/June data.


Active borrowers jan 2002 jan 2003

Active BorrowersJan 2002-Jan 2003

  • Growth (Jan02-Jan03): 51%


Loan officer productivity by rollout individual loans as of jan 2003

Loan Officer Productivity, by RolloutIndividual Loans, As of Jan 2003

  • Higher client productivity with “age” & maturity

  • Goal: 100 - 120/AO

  • Avg portfolio/AO beyond break-even pt. (pilot to 3rd)


Account officer productivity group loans 4 banks as of jan 2003

Account Officer Productivity, Group Loans, 4 Banks, As of Jan 2003


Of active clients per account officer 2000 jan 2003

# of Active Clients Per Account Officer, 2000 – Jan 2003

*/June


Loan portfolio per ao by rollout 2000 jan 2003 php

Loan Portfolio Per AO, By Rollout, 2000-Jan 2003 (PhP)

*/June data.


Amount of loans disbursed per account officer per month

Amount of Loans Disbursed Per Account Officer, Per Month

*/June data.


Of loans disbursed per account officer per month by rollout 2000 jan 03

# of Loans Disbursed Per Account Officer, Per Month, By Rollout, 2000 – Jan ‘03

*/June

  • 5 loans disbursed weekly is do-able.


Portfolio at risk all banks jan 2002 jan 2003

Portfolio At Risk, All BanksJan 2002-Jan 2003


Eagle rating

EAGLE RATING

By Rollout Group

28 Banks

2002


Overall eagle rating by rollout

Overall EAGLE Rating, by Rollout


Efficiency indicator admin cost ratio

Efficiency Indicator:Admin cost ratio*

  • *Total direct operating costs/Average gross loan portfolio.

  • Goal: Reduce cost to 10% or less.


Efficiency indicator ao average productivity 2002 28 banks by rollout

Efficiency Indicator:AO Average Productivity, 200228 Banks, By Rollout


Asset quality indicators average par by rollout 2002

Asset Quality Indicators: Average PARBy Rollout, 2002


Growth indicators average by rollout 2001 2002

Growth Indicators, AverageBy Rollout, 2001 - 2002


Liability structure bankwide indicator by rollout 28 banks 2002

Liability Structure: Bankwide IndicatorBy Rollout, 28 Banks, 2002

  • # banks with 100% or over: 12 (43%)

  • # banks with 50% & below: 4 (14%)


Earnings indicator average by rollout 28 banks 2002

Earnings Indicator, Average,By Rollout, 28 Banks, 2002

  • *(Total financial Income – Total financial expense – Total direct operating expenses)/Average gross loan portfolio


Thank you

THANK YOU.


Eagle rating1

EAGLE Rating

  • Efficiency

    • Admin cost ratio

    • Loan officer productivity-individual loans

    • Loan officer productivity-group loans

  • Asset Quality

    • PAR over 7 days

    • PAR over 30 days

  • Growth in Loan Portfolio

    • Growth in # of active clients

    • Growth in gross loan portfolio balance

  • Liability Structure

    • Overall deposit to loans ratio

  • Earnings

    • Net earnings as % of Average gross loan portfolio


Active borrowers trends by rollout jan 02 jan 03

Active Borrowers, Trends, By Rollout, Jan’02-Jan ‘03

  • Growth (Jan 02-Jan 03), 35 banks: 51%.

    Pilot2,3017% Share

    1st RO20,76861%

    2nd RO8,10924%

    3rd RO2,5508%

    5th RO242

    Total33,970100%

    */Less than 1% (0.7%)


  • Login