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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


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.



Active borrowers jan 2002 jan 2003
Active Borrowers ’03 (Pesos)Jan 2002-Jan 2003

  • Growth (Jan02-Jan03): 51%


Loan officer productivity by rollout individual loans as of jan 2003
Loan Officer Productivity, by Rollout ’03 (Pesos)Individual 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, ’03 (Pesos)Group Loans, 4 Banks, As of Jan 2003



Loan portfolio per ao by rollout 2000 jan 2003 php
Loan Portfolio Per AO, ’03 (Pesos)By Rollout, 2000-Jan 2003 (PhP)

*/June data.


Amount of loans disbursed per account officer per month
Amount of Loans Disbursed ’03 (Pesos)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 Banks Rollout, 2000 – Jan ‘03Jan 2002-Jan 2003


Eagle rating

EAGLE RATING Rollout, 2000 – Jan ‘03

By Rollout Group

28 Banks

2002


Overall eagle rating by rollout
Overall EAGLE Rating, by Rollout Rollout, 2000 – Jan ‘03


Efficiency indicator admin cost ratio
Efficiency Indicator:Admin cost ratio* Rollout, 2000 – Jan ‘03

  • *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: Rollout, 2000 – Jan ‘03AO Average Productivity, 200228 Banks, By Rollout


Asset quality indicators average par by rollout 2002
Asset Quality Indicators: Average PAR Rollout, 2000 – Jan ‘03By Rollout, 2002


Growth indicators average by rollout 2001 2002
Growth Indicators, Average Rollout, 2000 – Jan ‘03By Rollout, 2001 - 2002


Liability structure bankwide indicator by rollout 28 banks 2002
Liability Structure: Bankwide Indicator Rollout, 2000 – Jan ‘03By 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, Rollout, 2000 – Jan ‘03By Rollout, 28 Banks, 2002

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


Thank you
THANK YOU. Rollout, 2000 – Jan ‘03


Eagle rating1
EAGLE Rating Rollout, 2000 – Jan ‘03

  • 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, Rollout, 2000 – Jan ‘03By 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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