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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%

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mabs participating banks trends ratings

MABS PARTICIPATING BANKS: TRENDS, RATINGS

NATIONAL ROUNDTABLE CONFERENCE

21-22 March 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
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.
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)
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.
eagle rating

EAGLE RATING

By Rollout Group

28 Banks

2002

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.
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
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%.

Pilot 2,301 7% Share

1st RO 20,768 61%

2nd RO 8,109 24%

3rd RO 2,550 8%

5th RO 242

Total 33,970 100%

*/Less than 1% (0.7%)

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