understanding microfinance performance of rural banks through the mabs eagle standard and rating...
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Understanding Microfinance Performance of Rural Banks through the
MABS EAGLE Standard and Rating System
Presentation OutlinePresentation Outline
I. Background on the EAGLE Rating System
II. The EAGLE Rating Process
III. The EAGLE Components
IV. The EAGLE Grades
V. Performance
BackgroundBackground
•The EAGLE Rating System assesses the The EAGLE Rating System assesses the performance of the micro-enterprise performance of the micro-enterprise finance finance portfolio;portfolio;•A management tool for rural banks for A management tool for rural banks for monitoring and evaluating factors monitoring and evaluating factors affecting affecting its microfinance operations.its microfinance operations.
EAGLE Rating ProcessEAGLE Rating Process
5. Conduct EAGLE Validation
4. Compute Initial EAGLE rating
6. Compute Final EAGLE Rating
2. Satisfy Microfinance-specific Minimum Criteria
3. Submit Various Bank Reports to MABS for
Computation of EAGLE Rating
1. Satisfy Bank-Wide Minimum Criteria
Bank
The EAGLE Rating ProcessThe EAGLE Rating Process
Step 1. Satisfy Bank-wide Criteria
1. BSP CAMELS rating 3 & above for the past
2 years (for AA rated
banks, at least 3.5)
2. Overall past-due ratio less than 15% for the
past year
3. Capital adequacy At least 12%
The EAGLE Rating ProcessThe EAGLE Rating Process
Step 2. Satisfy MF-Specific Criteria
1. Recipient of MABS Compliance Certification
2. Experience in microfinance operations
at least one (1)
year
3. Number of active microfinance borrowers
At least 100
4. Dedicated and trained loan officers for microenterprise finance activities
3 (full-time)
The EAGLE Rating ProcessThe EAGLE Rating Process
5. With MIS capability to produce PAR reports with portfolio ageing
6. Has been reporting to MABS for at least one year
7. Has Operations Manual
Step 2. Satisfy MF-Specific Criteria (contd.)Step 2. Satisfy MF-Specific Criteria (contd.)
The EAGLE Rating ProcessThe EAGLE Rating Process
a. MABS Performance Monitoring System (MPMS) reports
b. Other bank reports, such as: • CSOC• CSIE• Schedule of Microfinance Loans • CSIE on Microfinance Program • Schedule of Deposit Liabilities, By Size of
Accounts
Step 3. Submit various required reports to MABS
EE – Efficiency – 30%
AA – Asset quality – 30%
GG – Growth – 10%
LL – Liability structure – 10%
EE – Earnings – 20%
The EAGLE ComponentsThe EAGLE Components
Asset Quality,
30%
Growth, 10%
Liability Structure,
10%
Earnings, 20%
Efficiency, 30%
COST EFFICIENCY, 10%
LOAN OFFICER PRODUCTIVITY,
10%
COST PER BORROWER, 10%
Cost Efficiency (10%)Cost Efficiency (10%)
- Highlights personnel and
administrative expenses relative
to the loan portfolio
Loan Officer Productivity* (10%)Loan Officer Productivity* (10%)
- Measures the average number of
borrowers managed by each
account officer
Cost Per Active Borrower* (10%)Cost Per Active Borrower* (10%)
- Average no. of active borrowers
for the year/Average no. of
microfinance account officer for
the year
The EAGLE ComponentsThe EAGLE Components
Efficiency (30%)Efficiency (30%)
* Separate computation for Individual and Group loans
The EAGLE ComponentsThe EAGLE Components
Efficiency, 30%
Earnings, 20%
Growth, 10%
Liability Structure, 10%
Asset Quality,
30%
PAR 7, 10%
PAR 30, 10%
LOAN LOSS RESERVE RATIO , 5%
LOAN LOSS RATE, 5%
Asset Quality (30%)Asset Quality (30%) PAR > 7 days (10%) and PAR > 7 days (10%) and
PAR > 30 days (10%)PAR > 30 days (10%)
- Show the degree of risk of the
total microfinance portfolio
Loan Loss Reserve Ratio (5%)Loan Loss Reserve Ratio (5%)
- Indicates the degree of
protection of the bank against
expected losses due to
delinquency
Loan Loss Rate (5%)Loan Loss Rate (5%)
- Indicates the level of actual and
adjusted write-off over ave.
loan outstanding.
• Growth in active clients Growth in active clients (5%)(5%)
– Active borrowers as of end of period vs. active borrowers as of end of previous period
• Growth in loan portfolio Growth in loan portfolio outstanding (5%)outstanding (5%)
– Loan portfolio as of end of period vs. loan portfolio as of end of previous period
The EAGLE ComponentsThe EAGLE Components
Earnings, 20%
Liability Structure, 10%
Asset Quality, 30%
Efficiency, 30%
Growth in Volume of microfinance portfolio, 5%
Growth in No. of Outstanding Clients, 5%
Growth, 10%
Growth (10%)Growth (10%)
The EAGLE ComponentsThe EAGLE Components
Growth, 10%
Efficiency, 30%
Asset Quality,
30%
Liability Structure,
10%
Earnings, 20%
Liability Structure (10%)Liability Structure (10%)
• Deposit to Loan Ratio Deposit to Loan Ratio (10%)(10%)
– Looks at the ability of the bank in terms of liquidity management.
Bank-wide Gross Bank-wide Gross Loan PortfolioLoan Portfolio
15. DEPOSIT LIABILITIES (Schedule 5) 180 -
a. Demand - 181 -
1. Taxable Demand Deposits 189
2. Non-Taxable Demand Deposits 190
b. Savings Deposits - 182 -
1. With Automatic Transfer - 183 -
a. Taxable Deposits 191
b. Non-Taxable Deposits 192
2. Without Automatic Transfer - 184 -
a. Taxable Deposits 193
b. Non-Taxable Deposits 194
c. Time Certificate of Deposits - 185 -
1. Taxable Deposits 195
2. Non-Taxable Deposits 196
d. NOW Accounts - 186 -
1. Taxable Deposits 197
2. Non-Taxable Deposits 201
L I A B I L I T I E S
Code
CONSOLIDATED STATEMENT OF CONDITIONAs of _________________________
_____________________________________
____________________________________Name of Rural Bank
Address
ADDITIONAL INFORMATION: 1. TOTAL LOANS PORTFOLIO - GROSS (Schedule 2) 900 -
a) Current 901 -
b) Past Due 902 -
c) Items in Litigation 903 -
2. Less: Specific Loan Loss Provision 904 -
3. Loan Portfolio (Net of Specific Loan Loss Provision) 906 -
4. Less: GENERAL LOAN LOSS PROVISION 910 -
5. LOAN PORTFOLIO - NET 920 -
6. Total Allowance for Probable Losses 460 -
a) 2% General Provision for Probable Loan Losses 461 -
b) Allowance for Probable Losses on Loan Accounts and Other Risk Assets 462 -
b.1 Loans 463 -
b.2 Other Risk Assets 464 -
7. Total Non-Performing Loans (Cir. No. 202 dated May 27, 1999) 930 -
a) Non-performing Regular Loans (Other than Restructured Loans) 931
b) Non-performing Restructured Loans 932
7a. Loans Classified as "Loss" which are fully covered by Allowance for Probable
Losses 933
7b. Outstandng Credit Receivables Classified as Loss 934
in the latest BSP examination, net of write offs, recoveries and collections7bc Credit Card Receivables classified as loss by the bank as of this month 935
Total Bank-wide Total Bank-wide Deposit LiabilitiesDeposit Liabilities
1. TOTAL LOANS PORTFOLIO - GROSS (Schedule 2) 900 -
15. DEPOSIT LIABILITIES (Schedule 5) 180 -
==
The EAGLE ComponentsThe EAGLE Components
Growth, 10%
Efficiency, 30%
Asset Quality, 30%
Liability Structure, 10%
Earnings, 20%
Earnings (20%)Earnings (20%)
Loan Portfolio ProfitabilityLoan Portfolio Profitability (20%)(20%)- measures the bank’s ability to generate earnings with a given asset base.
Average outstanding microloan portfolio for the Year being rated
* Data culled from MPMS based on bank’s submission: Total financial income Less: Total financial expense Total direct operating expense Required Loan Loss Provision per BSP Circular 409 Net MF Operating Income
Net MF Operating Income*==
Loan Portfolio Loan Portfolio ProfitabilityProfitability
(20%)(20%)
EAGLE StandardEAGLE Standard
Components Components (Indicators)Standard Standard
(EAGLE Score of 5)(EAGLE Score of 5)
EFFICIENCYEFFICIENCY
Cost efficiency < 10%
Loan officer productivity – group loan > 300
Loan officer productivity – individual loan > 150
Cost per Active Borrower – group loan < 1499
Cost per Active Borrower – individual loan < 499
ASSET QUALITYASSET QUALITY
PAR Over 7 Days < 5%
PAR Over 30 Days < 3%
Loan Loss Provision > 100%
Loan Loss Rate < 2%
EAGLE StandardEAGLE Standard
Components Components (Indicators)StandardStandard
(EAGLE Score of 5)(EAGLE Score of 5)
GROWTH IN PORTFOLIOGROWTH IN PORTFOLIO
Growth in Active Borrowers > 20%
Growth in Loan Portfolio > 20%
LIABILITY STRUCTURELIABILITY STRUCTURE
Liability Structure > 100%
EARNINGSEARNINGS
Earnings > 35%
Components Components (Indicators) FormulaFormula
EFFICIENCYEFFICIENCY
Cost efficiency Total Direct Operating Costs, Sum for Period being rated
Avg. MF Gross Loan Portfolio, Period being rated
Loan officer productivity – group loan
Avg # active borrowers, Group Loans, For Period being rated
Avg # MF field staff, Group Loans, 1st 9 mos. for Period being rated
Loan officer productivity – individual loan
Avg # active borrowers, Indiv. Loans, For Period being rated
Avg # MF field staff, Indiv. Loans, 1st 9 mos. for Period being rated
Cost per Active Borrower – group loan
Total Direct Operating Costs for Group Loans, Sum for Period being rated
Avg. No.of Active MF Borrowers for Group Loans, for Period being rated
Cost per Active Borrower – individual loan
Total Direct Operating Costs for Individual Loans, Sum for Period being rated
Avg. No. of Active MF Borrowers for Individual Loans, for Period being rated
Performance Indicators & Corresponding FormulaPerformance Indicators & Corresponding Formula
Components Components (Indicators) FormulaFormula
ASSET ASSET QUALITYQUALITY
PAR Over 7 Days
Avg. Principal Balance of Loans with more than 7 days missed payment, for Period being rated
Avg. Gross MF Loan Portfolio, for Period being rated
PAR Over 30 Days
Avg. Principal Balance of Loans with more than 30 days missed payment, for Period being rated
Avg. Gross MF Loan Portfolio, for Period being rated
Loan Loss Reserve Ratio
Actual MF Loan Loss ProvisionRequired MF Loan Loss Provision per BSP Circular 409
Loan Loss Rate Total MF Loan Write-Offs, for Period being rated
Average Loan Portfolio Outstanding, for Period being rated
Performance Indicators & Corresponding FormulaPerformance Indicators & Corresponding Formula
Components Components (Indicators) FormulaFormula
GROWTH IN GROWTH IN PORTFOLIOPORTFOLIO
Growth in Active Borrowers
(End of Rated Period, No. of Active MF Borrowers – End of Previous Period, No. of Active MF Borrowers) End of Previous Period, No. of Active MF Borrowers
Growth in Loan Portfolio (End of Rated Period, MF Gross loan portfolio – End of Previous Period, MF Gross loan portfolio) End of Previous Period, MF Gross loan portfolio
LIABILITY LIABILITY STRUCTURESTRUCTURE
Deposit to Loan Ratio Total Bank-Wide DepositsTotal Bank-Wide Gross Loan Portfolio
EARNINGSEARNINGS
Loan Portfolio Profitability
Net MF Operating IncomeAvg. Gross MF Loan Portfolio
Performance Indicators & Corresponding FormulaPerformance Indicators & Corresponding Formula
Computing for the EAGLE GradeComputing for the EAGLE Grade
EAGLE gradeEAGLE grade is finally derived based is finally derived based on the computed overall weighted on the computed overall weighted
score.score.
The component score is then weighted to arrive at a weighted component
score.All weighted component scores are All weighted component scores are
then added to get the then added to get the overall weighted overall weighted scorescore..
A A component scorecomponent score is computed by is computed by getting the sum of the weighted scores getting the sum of the weighted scores of each component’s underlying of each component’s underlying indicators.indicators.
AA: Overall weighted score of 4.25 and above and no zero score for any individual component; To be qualified for an EAGLE Award, a candidate bank should have at least 500 average active borrowers over the last 3 months of the year.
A: (i) Overall weighted score between
3.5 and 4.24; (ii) a bank with score of 4.25 and over but less than 500 ave. active borrowers over last 3 months
B: Overall weighted score between 2.5
and 3.49 No grade: Overall weighted score less
than 2.49.
Excellent Excellent microenterprismicroenterprise finance e finance performanceperformance
Very goodVery good
AverageAverage
Below average Below average performanceperformance
The EAGLE GradesThe EAGLE Grades
Distribution of Banks by Distribution of Banks by EAGLE Grade (46 PBs, 2005)EAGLE Grade (46 PBs, 2005)
The EAGLE GradesThe EAGLE Grades
AA
11%
A
30%
B
55%
No Grade
4%
32.6%
18.6%17.0%
17.9%
11.0%
23.9%
29.2%
13.5%
11.0%
16.2%
10.0%
4.2%
13.8%
32.0%
18.1% 17.4%
0.0%
10.0%
20.0%
30.0%
40.0%
Cost Efficiency, Group 1, Dec 2005Cost Efficiency, Group 1, Dec 2005
The EAGLE Grades - EfficiencyThe EAGLE Grades - Efficiency
PilotMABS 1st Rollout 2nd Rollout
17.4%
27.2%
21.6%
18.3%
22.0%
37.4%
13.8%12.1%
35.7%
15.1%16.8%
4.2%
30.4%
35.2%
0.0%
10.0%
20.0%
30.0%
40.0%
Cost Efficiency, Group 2, Dec 2005Cost Efficiency, Group 2, Dec 2005
The EAGLE Grades - EfficiencyThe EAGLE Grades - Efficiency
MABS 4th Rollout 5th Rollout3rd Rollout
32.4%
20.0%
44.4%
11.4%
20.7%
25.3%
10.1%
33.4%
15.7%
28.3%26.0%
31.3%
59.5%
23.3%
57.9%
4.2%
32.2%
18.9%
50.5%
52.7%
0.0%
10.0%
20.0%
30.0%
40.0%
50.0%
60.0%
70.0%
Cost Efficiency, Group 3, Dec 2005Cost Efficiency, Group 3, Dec 2005
The EAGLE Grades - EfficiencyThe EAGLE Grades - Efficiency
MABS 7th Rollout
117.1
106.1 105.8 107.8111.4
75.1
47.0
75.680.0
143.6 142.1
91.390.6 87.5 92.7
0.0
50.0
100.0
150.0
200.0
Loan Officer Productivity – Individual LoansLoan Officer Productivity – Individual LoansGroup 1, As of Dec 2005Group 1, As of Dec 2005
The EAGLE Grades - EfficiencyThe EAGLE Grades - Efficiency
MABS Pilot 2nd Rollout1st Rollout
42.8
98.9
78.8
151.6
80.2 82.6
136.2
106.4
115.3
67.663.4
55.5
30.7
87.5
-
50.0
100.0
150.0
200.0
Loan Officer Productivity – Individual LoansLoan Officer Productivity – Individual LoansGroup 2, As of Dec 2005Group 2, As of Dec 2005
The EAGLE Grades - EfficiencyThe EAGLE Grades - Efficiency
MABS 5th Rollout4th Rollout3rd Rollout
13.8
32.3
116.3
58.4
45.5
98.891.8
52.6
128.8
89.2
31.7
56.8
36.5
57.347.9
107.0
63.5
87.5
139.9127.5
-
50.0
100.0
150.0
200.0
Loan Officer Productivity – Individual LoansLoan Officer Productivity – Individual LoansGroup 3, As of Dec 2005Group 3, As of Dec 2005
The EAGLE Grades - EfficiencyThe EAGLE Grades - Efficiency
MABS 7th Rollout
7.6%
10.7%
8.4%
25.4%
28.0%
10.8%
7.4%
10.3%10.7%
8.5%
10.3%9.2%
14.6%
5.4%5.9%6.2%
0.0%
10.0%
20.0%
30.0%
PAR > 7 days, Group 1, 2005PAR > 7 days, Group 1, 2005
The EAGLE Grades – Asset The EAGLE Grades – Asset QualityQuality
MABS Pilot 1st Rollout 2nd Rollout
7.8%
1.8%
7.1%
14.0%
12.3%
7.4%
10.2%
19.4%
11.9%
7.4%
6.2%
4.1%
6.7%
0.0%
6.0%
0.0%
5.0%
10.0%
15.0%
20.0%
PAR > 7 days, Group 2, 2005 PAR > 7 days, Group 2, 2005
The EAGLE Grades – Asset The EAGLE Grades – Asset QualityQuality
MABS 3rd Rollout 5th Rollout4th Rollout
34.0%
2.9%
10.3%
22.0%
1.6%2.2%
7.4%
3.1%
0.8%
5.2%
1.2% 1.3%0.0%0.4%
1.9%0.9%
3.0%
1.2%
7.7%
4.3%
0.0%
10.0%
20.0%
30.0%
40.0%
PAR > 7 days, Group 3, 2005PAR > 7 days, Group 3, 2005
The EAGLE Grades – Asset The EAGLE Grades – Asset QualityQuality
MABS 7th Rollout
13.1%
5.6%
8.7%
4.1%
5.5%4.5%
3.9%
20.3%
21.8%
8.3%
5.6%
8.8%8.1%
6.3%
7.8%
6.1%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
Banks by PAR > 30 days Banks by PAR > 30 days Group 1, 2005Group 1, 2005
The EAGLE Grades – Asset The EAGLE Grades – Asset QualityQuality
MABS Pilot 1st Rollout 2nd Rollout
5.3%
1.0%
6.8%
12.0%
7.1%
10.9%
9.3%
5.6%4.6%
0.0%
5.1%
2.7%
5.5%5.6%
10.7%
0.0%
5.0%
10.0%
15.0%
Banks by PAR > 30 days Banks by PAR > 30 days Group 2, 2005Group 2, 2005
The EAGLE Grades – Asset The EAGLE Grades – Asset QualityQuality
MABS 3rd Rollout 5th Rollout4th Rollout
17.1%
0.9%
2.4%
14.6%
0.5%
1.5%
5.6%
1.9%
0.0%
3.1%
0.7%0.9%
0.0%0.1%0.7%
0.4%
1.6%
0.5%
3.3%
2.8%
0.0%
5.0%
10.0%
15.0%
20.0%
Banks by PAR > 30 days Banks by PAR > 30 days Group 3, 2005Group 3, 2005
The EAGLE Grades – Asset The EAGLE Grades – Asset QualityQuality
MABS 7th Rollout
-4.3%
-2.6%
-7.3%
-57.2%
-43.2%
-20.1%
-18.8%11.2%
19.8%
99.0%
23.3%
-12.3%
-32.6%
-18.1% -9.0% -10.0%
16.4%
-14.3%
-59.1%
-36.8%
-14.4%
0.8%-12.4%
5.4%
18.9%
20.4%
-17.1%
-44.5%
-6.2% -18.2%
-5.9%
-17.1%
-100.0%
-50.0%
0.0%
50.0%
100.0%
-100.0%
-50.0%
0.0%
50.0%
100.0%
Growth in Active Borrowers and Loan Portfolio, Group 1, 2005Growth in Active Borrowers and Loan Portfolio, Group 1, 2005
The EAGLE Grades – GrowthThe EAGLE Grades – Growth
Growth in Active Borrowers
Growth in Loan Portfolio
-17.9%
39.5%29.2%
121.7%
-41.7%
23.3%
38.4%
51.3%
-31.7%
8.3% 21.1%
170.3%
-4.3%
59.4%
-36.7%
44.3%49.9%
35.8%
74.8%
-22.0%
20.4%33.2%
34.9%
-19.4%
31.2% 34.9%
137.1%
-4.5%
-100.0%
0.0%
100.0%
200.0%
-100.0%
-50.0%
0.0%
50.0%
100.0%
150.0%
200.0%
Growth in Active Borrowers and Loan Portfolio, Group 2, 2005Growth in Active Borrowers and Loan Portfolio, Group 2, 2005
The EAGLE Grades – GrowthThe EAGLE Grades – Growth
Growth in Active Borrowers
Growth in Loan Portfolio
128.3%
68.5%
226.2%
173.2%
122.6%
23.3%
63.3%
129.6%
229.3%
29.4%
286.0%
150.9%
1291.7%
165.8%
47.7%
52.3%
165.8%
95.0%
47.3%
569.9%
48.5%
107.5%112.3%
173.7%
169.4%
393.8%
20.4%
34.1%
90.8%
259.4%
12.0%
181.8%
298.3%
2253.9%
163.4%
53.0%
505.1%
150.7%
51.8%
571.3%
0.0%
250.0%
500.0%
750.0%
0.0%
500.0%
1000.0%
Growth in Active Borrowers and Loan Portfolio, Group 3, 2005Growth in Active Borrowers and Loan Portfolio, Group 3, 2005
The EAGLE Grades – GrowthThe EAGLE Grades – Growth
Growth in Active Borrowers
Growth in Loan Portfolio
88.3%
69.0%
56.9%
67.4%
35.2%
92.2%
58.3%
155.1%
18.9%
97.8%84.7%82.9%
47.4%
95.5%
89.5%
0.0%
50.0%
100.0%
150.0%
200.0%Deposit to Loan Ratio, Group 1, Dec 2005Deposit to Loan Ratio, Group 1, Dec 2005
The EAGLE Grades – LiabilitiesThe EAGLE Grades – Liabilities
Pilot 1st Rollout 2nd Rollout
153.5%
185.4%
70.4%
174.7%
302.3%
279.9%
84.9%
146.1%
96.3%
91.3%
112.3%104.7%
210.6%
0.0%
50.0%
100.0%
150.0%
200.0%
250.0%
300.0%
350.0%
Deposit to Loan Ratio, Group 2, Dec 2005Deposit to Loan Ratio, Group 2, Dec 2005
The EAGLE Grades - LiabilitiesThe EAGLE Grades - Liabilities
4th Rollout 5th Rollout3rd Rollout
180.5%
67.2%88.4%
96.3%
66.6%
210.3%
54.4%
172.3%
105.0%
10.4%
96.3%
57.7%
89.7%
97.1%
64.1%80.6%
120.0%
98.5%86.9%
0.0%
50.0%
100.0%
150.0%
200.0%
250.0%
300.0%
350.0%Deposit to Loan Ratio, Group 3, Dec 2005Deposit to Loan Ratio, Group 3, Dec 2005
The EAGLE Grades - LiabilitiesThe EAGLE Grades - Liabilities
7th Rollout
55.1%59.0%
42.0%
64.2%66.9%
72.3%
29.1%
34.0%
78.2%
31.9%
55.5%
63.2%
49.6%
58.8%55.8%
0.0%
25.0%
50.0%
75.0%
100.0%
Microfinance Earnings, Group 1, 2005Microfinance Earnings, Group 1, 2005
The EAGLE Grades – EarningsThe EAGLE Grades – Earnings
Pilot 1st Rollout 2nd Rollout
Microfinance Earnings, Group 1, 2005Microfinance Earnings, Group 1, 2005
The EAGLE Grades – EarningsThe EAGLE Grades – Earnings
41.3%41.0%
70.3%45.7%
311.8%
73.3%
35.8%
40.2%
32.1%
40.9%
29.3%
62.6%71.4%
0.0%
100.0%
200.0%
300.0%
4th Rollout 5th Rollout
Microfinance Earnings, Group 2, 2005Microfinance Earnings, Group 2, 2005
3rd Rollout
115.8%
12.0%
0.7%
70.4%
44.1%
6.1%
42.6%
172.3%
50.2% 40.4%
53.2% 52.8%
28.4%
13.2%
28.6%38.1%
26.7%27.7%
52.4%
0.0%
50.0%
100.0%
150.0%
200.0%
Microfinance Earnings, Group 3, 2005Microfinance Earnings, Group 3, 2005
The EAGLE Grades – EarningsThe EAGLE Grades – Earnings
7th Rollout
Distribution of Banks byDistribution of Banks byPAR > 7 days (47 PBs, 2005)PAR > 7 days (47 PBs, 2005)
The EAGLE Grades – Asset The EAGLE Grades – Asset QualityQuality
19%
17%
13%15%
36%
Score: 1 (>= 11.00) Score: 2 (9.01 - 11.00) Score: 3 (7.01 - 9.00)
Score: 4 (5.01 - 7.00) Score: 5 (<= 5.00)
Distribution of Banks byDistribution of Banks byPAR > 30 days (47 PBs, 2005)PAR > 30 days (47 PBs, 2005)
The EAGLE Grades – Asset The EAGLE Grades – Asset QualityQuality
32%
6%11% 13%
38%
Score: 1 (>= 7.00) Score: 2 (6.01 - 7.00) Score: 3 (5.01 - 6.00)
Score: 4 (3.01 - 5.00) Score: 5 (<= 3.00)
1 1 10
16
21 1 1
15
2827
0
5
10
15
20
25
30
Score of 5(>=20.00)
Score of 4 (15.01 - 20.00)
Score of 3 (10.01 - 15.00)
Score of 2 (1.01 - 10.00)
Score of 1 (0.01 - 1.00)
Score of 0(Negative Growth)
Growth in Active Borrowers
Growth in Loan Portfolio
Distribution of Banks by Growth in Active Borrowers Distribution of Banks by Growth in Active Borrowers and Loan Portfolio, 2005and Loan Portfolio, 2005
The EAGLE Grades – GrowthThe EAGLE Grades – Growth
Distribution of Banks by Deposit to Loan Distribution of Banks by Deposit to Loan Ratio, 2005Ratio, 2005
32%
38%
13%
11%6%
Score of 5 (>= 100.00) Score of 4 (60.01 - 80.00)Score of 3 (45.01 - 60.00) Score of 2 (0.01 - 45.00)Score of 1(>= 0)