MONTHLY MONITORING REPORT. A GUIDE ON HOW TO ACCOMPLISH THE REPORT August 2000. MONTHLY MONITORING REPORT. DIVIDED IN TWO SECTIONS PERFORMANCE DATA STATEMENT OF INCOME AND EXPENSE PERFORMANCE DATA SHOW STATUS OF PRODUCT IMPLEMENTATION
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A GUIDE ON HOW TO ACCOMPLISH
# Active Borrowers
Loan Portfolio Balance
Amount Past Due
# Accounts with Amount Past Due
Portfolio at Risk
Total Deposit Balance*
“For the month” data
# New Borrowers
# Repeat Loans
# Loans Disbursed during the month
# New Borrowers PLUS # Repeat Loans
Amount Disbursed during month
Amount New Loans PLUS Amount Repeat LoansPerformance Data
The relevant data are those pertaining to deposits P15,000 and below.
The report for June will thus reflect:
June data Less March dataPerformance Data: *Deposits...
--COUNT all accounts with missed payments
Benefits = 70% of basic.
# AO s = 3
P4,500 * 1.70 * 3 = P22,950
# Loans #Deposit accts Total
MF Product 150 477 627
Total Branch 2,801 10,151 12,952
% Share MF 627/12952 = 4.8%
Data Needed: (Example)
Determine the cost of funds.
FE = (Avg. portfolio x 5%) x 31days/365 days
(1 minus 2% or .02)
AP = (MFU Portfolio previous mo. + MFU Portfolio current mo.)/2
AP = (350,000+500,000)/2
FE = (425,000 x .05) x 31/365
= (21,250 x .0849)/ 0.98
= P 1,841
Get Average Portfolio (AP) for the month.
AP = Portfolio previous mo. +Portfolio current mo.
Calculate Financial Expense (FE):
FE = (AP x 13%) x # days in month/360 days
= 425,000 x 0.13 x 0.0861
= P 4,757
Interest Expense--Deposits: 49,758
Interest Expense--Bor.Funds: 160,000
Total Deposit Liabilities: 12,636,617
Total Borrowed Funds: 18,312,790
Reserve Requirement : 2%
Product Loan Portfolio: 722,933
12,636,617 + 18,312,790 = 30,949,407
12,636,617/30,949,407 = 40%
18,312,790/30,949,407 = 60%