mabs participating banks: trends, ratings
DESCRIPTION
NATIONAL ROUNDTABLE CONFERENCE 21-22 March 2003. MABS PARTICIPATING BANKS: TRENDS, RATINGS. 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% - PowerPoint PPT PresentationTRANSCRIPT
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MABS PARTICIPATING BANKS:
TRENDS, RATINGS
NATIONAL ROUNDTABLE CONFERENCE
21-22 March 2003
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TRENDS
35 Participating BanksJanuary 2002 – January 2003
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Total Loan Portfolio (Pesos)Jan 2002-Jan 2003
0
50,000,000
100,000,000
150,000,000
200,000,000
250,000,000•Growth (jan02-jan03): 74%
•Growth # PB Units: 29%
•Growth # Active clients: 51%
•Loan size to clients: Increasing
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% Distribution, 35 Banks, by Loan Portfolio Size, Jan. ‘03
0
5
10
15
20
<P1-3 P4-9 P10-15 P16-50
•Majority with portfolio of P3.0 M and below
•Avg. Loan Portfolio: P6.4 M
•Largest portfolio: P48.0 M
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Average Outstanding Loan Size, By Rollout, 2000 – Jan 2003
2000* 2001* Jan 2003
Pilot Banks 3,323 4,093 6,639
1st Rollout Banks 2,523 2,925 5,337
2nd Rollout Banks 5,041 4,539 8,624
*/June data.
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% Distribution, 35 Banks, by Average Loan Size to Clients, 2002
02468
101214
<5k 5-10k 11-16k 17-22k >23k
•Avg. loan sizes are generally small .
•2/3 of banks with avg. loan size at <P5k to P16k.
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Average Size of Loans Disbursed Per Month, 2000 – Jan. ’03 (Pesos)
2000* 2001* Jan 2003
Pilot Banks 5,470 6,520 10,283
1st Rollout Banks 4,389 5,001 8,903
2nd Rollout Banks 7,382 7,097 14,182
*/June data.
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Active Borrowers
Jan 2002-Jan 2003
05,000
10,00015,00020,00025,00030,00035,00040,000
Jan
2002
Feb 2
002
Mar
200
2
Apr 2
002
May
200
2
Jun
2002
Jul 2
002
Aug 2
002
Sep 2
002
Oct
200
2
Nov 2
002
Dec 2
002
Jan
2003
•Growth (Jan02-Jan03): 51%
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Loan Officer Productivity, by Rollout Individual Loans, As of Jan 2003
ROLLOUTActive
clients per loan officer
Loan portfolio per loan officer(Pesos)
Pilot100 664,164
1st Rollout88 592,673
2nd Rollout60 629,996
3rd Rollout
5th Rollout
57
34
651,407
255,442
•Higher client productivity with “age” & maturity
•Goal: 100 - 120/AO
•Avg portfolio/AO beyond break-even pt. (pilot to 3rd)
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Account Officer Productivity, Group Loans, 4 Banks, As of Jan 2003
IndicatorBank 1 Bank 2 Bank 3 Bank 4
Active clients per loan officer 375 250 250 171
Loan portfolio per loan officer P1,137,120 P700,098 P475,829 P560,089
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# of Active Clients Per Account Officer, 2000 – Jan 2003
2000* 2001* Jan 2003
Pilot Banks96 103 100
1st Rollout Banks 84 115 111
2nd Rollout Banks 34 67 73
*/June
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Loan Portfolio Per AO, By Rollout, 2000-Jan 2003 (PhP)
Rollout2000* 2001* Jan ‘03
Pilot 321,966 378,879 664,164
1st
211,646 308,240 592,673
2nd
167,911 281,107 629,996
*/June data.
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Amount of Loans Disbursed Per Account Officer, Per Month
2000* 2001* Jan 2003
Pilot Banks155,458 188,159 240,105
1st Rollout Banks 133,215 169,309 282,828
2nd Rollout Banks 122,573 172,449 312,389
*/June data.
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# of Loans Disbursed Per Account Officer, Per Month, By Rollout, 2000 – Jan ‘03
2000* 2001* Jan ‘03
Pilot Banks 28 29 23
1st Rollout 30 34 32
2nd Rollout 17 24 22
• 5 loans disbursed weekly is do-able.*/June
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Portfolio At Risk, All BanksJan 2002-Jan 2003
0.00%1.00%2.00%3.00%4.00%5.00%6.00%7.00%
Portfolio at Risk more than 7 days (%) Portfolio at Risk more than 30 days (%)
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EAGLE RATING
By Rollout Group
28 Banks
2002
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Overall EAGLE Rating, by Rollout
ComponentPilot
(4 Banks)
1st (10 Banks)
2nd (6 Banks)
3rd (8 Banks)
All
Efficiency 3.50 2.80 2.33 1.44 2.41
Asset Quality 3.13 3.85 4.42 5.00 4.20
Growth 3.00 4.50 2.67 5.00 4.04
Liability Structure
5.00 3.50 2.83 4.50 4.32
Earnings 3.75 4.50 5.00 3.88 4.32
Overall Score 3.42 3.84 3.93 4.01 3.85
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Efficiency Indicator:Admin cost ratio*
Admin costs ratio* Score
Average, 28 Banks 28% 1
Pilot Banks Average 17% 3
1st Rollout Average 24% 2
2nd Rollout Average 22% 2
3rd Rollout Average 45% 1
*Total direct operating costs/Average gross loan portfolio.
• Goal: Reduce cost to 10% or less.
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Efficiency Indicator:AO Average Productivity, 2002
28 Banks, By Rollout
MABS Average
Pilot Banks
Average
1st Rollout Average
2nd Rollout Average
3rd Rollout Average
Loan officer productivity-Individual loans*
71 118 81 60 45
Score 2 4 3 2 1
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Asset Quality Indicators: Average PARBy Rollout, 2002
MABS Pilot Banks 1st Rollout 2nd Rollout3rd
Rollout
>7 Days (%) 4.57 8.51(3.6 – 17.0)
5.36(1.2 - 11.8)
4.50(0.0-5.3)
1.67(0.0-3.0)
Score 5 3 4 5 5
>30 Days (%) 2.955.02
(2.4 - 8.4)
3.59(0.11-7.8)
3.04(0.18-6.4)
1.06(0.0-2.2)
Score 5 3 4 4 5
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Growth Indicators, AverageBy Rollout, 2001 - 2002
MABS Average
Pilot Banks Average
1st Rollout Average
2nd Rollout Average
3rd Rollout Average
Growth in # of active borrowers
106% 17% 55% 42% 262%
Score 5 4 5 5 5
Growth in Loan Portfolio Balance 170% 11% 82% 68% 438%
Score 5 3 5 5 5
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Liability Structure: Bankwide IndicatorBy Rollout, 28 Banks, 2002
MABS Average
Pilot Banks Average
1st Rollout Average
2nd Rollout Average
3rd Rollout Average
Deposit to Loan Ratio 107% 112% 79% 77% 138%
Score for Deposit to Loan Ratio
5 5 3 3 5
•# banks with 100% or over: 12 (43%)
•# banks with 50% & below: 4 (14%)
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Earnings Indicator, Average,By Rollout, 28 Banks, 2002
MABS ALL
Pilot Banks
1st Rollout2nd
Rollout3rd
Rollout
Net Revenue* (%) 40% 30% 44% 58% 27%
Score 5 4 5 5 4
*(Total financial Income – Total financial expense – Total direct operating expenses)/Average gross loan portfolio
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THANK YOU.
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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
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Active Borrowers, Trends, By Rollout, Jan’02-Jan ‘03
• Growth (Jan 02-Jan 03), 35 banks: 51%.Pilot 2,301 7% Share1st RO 20,768 61%2nd RO 8,109 24%3rd RO 2,550 8%5th RO 242Total 33,970 100%*/Less than 1% (0.7%)