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MABS MINDANAO PARTICIPATING BANKS: EAGLE RATINGS

MABS MINDANAO PARTICIPATING BANKS: EAGLE RATINGS. Regional Roundtable Conference August 26, 2004 Meliza H. Agabin. Presentation Outline. EAGLE Rating System Report Cards, 1 st Semester 2004 Summary of Main Issues. EAGLE Rating System. Introduced in 2003

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MABS MINDANAO PARTICIPATING BANKS: EAGLE RATINGS

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  1. MABS MINDANAO PARTICIPATING BANKS: EAGLE RATINGS Regional Roundtable Conference August 26, 2004 Meliza H. Agabin

  2. Presentation Outline • EAGLE Rating System • Report Cards, 1st Semester 2004 • Summary of Main Issues

  3. EAGLE Rating System • Introduced in 2003 • Defines MABS Performance Standard • Yearly EAGLE Rating • Semestral EAGLE Rating • Present Report Card, Jan – June 2004 • Modifications introduced

  4. EAGLEComponents, Weights Efficiency –30% Asset quality –30% Growth – 10% Liab.structure – 10% Earnings – 20%

  5. EAGLE Indicators: Efficiency Indicators (30%) • Cost Efficiency • Loan officer productivity – individual loan: • Loan officer productivity – group loan

  6. EAGLE Indicators: Asset Quality (30%) • PAR7 • PAR30 Growth (10%) • Active clients • Loan portfolio outstanding

  7. EAGLE Indicators: Liability Structure (10%) • Bank-wide Deposit/Loan ratio Earnings (20%) • (Total financial income – Total MF financial expense – Total direct operating cost)/Avg outstanding microloan portfolio

  8. EAGLE Standard

  9. AA: Overall weighted score of above 4.25 and no zero score for any individual component A: Overall weighted score between 3.5 and 4.24 B: Overall weighted score between 2.5 and 3.49 No grade: Overall weighted score less than 2.49. Excellent performance Very good Average Below average performance EAGLE Grades

  10. Report Cards Performance January – June 2004

  11. Distribution of Banks by EAGLE Grade (20 Banks)

  12. Cost Efficiency

  13. Loan Officer Productivity-Individual Loan

  14. Loan Officer Productivity-Group Loan

  15. PAR7

  16. PAR30

  17. Growth in Active Clients

  18. Growth in Loan Portfolio

  19. Earnings

  20. Summary • Doing well in cost efficiency, earnings • Major challenges are increasing productivity, expanding outreach, and reducing PAR • Areas to examine: • Product design issues: Stagnation/decay • Collection frequency: Shift daily to weekly/monthly • Client retention: Losing • Marketing effort/skills • Staff training • Incentives

  21. You can get your Bank’s EAGLE Report card from Ed de Castro, Ernie Gementera (for ARMM/CAAM banks).

  22. SALAMAT PO!

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