1 / 20

Towards a Microfinance-Oriented Institution The Bank Victorias Experience

Towards a Microfinance-Oriented Institution The Bank Victorias Experience. Mr. Jaime Lopez President April 26, 2005, MABS, Davao City. The Old Bank Victorias. Incorporation – April 25, 1961. Location – Victorias, Negros Occ.; 1 office. Ownership – Family-owned & managed.

gunnar
Download Presentation

Towards a Microfinance-Oriented Institution The Bank Victorias Experience

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Towards a Microfinance-Oriented InstitutionThe Bank Victorias Experience Mr. Jaime Lopez President April 26, 2005, MABS, Davao City

  2. The Old Bank Victorias • Incorporation – April 25, 1961 • Location – Victorias, Negros Occ.; 1 office • Ownership – Family-owned & managed • Activities – Deposit-taking; agri, small commercial, & personal lending • Under rehab by mid-80’s Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  3. A reorganized Bank • New Ownership in 1993 with 5 family blocs • Oversight & management was professionalized • Branch expansion: 4 new branches in 1996 & 1997 • 1997 Asian Financial Crisis - consolidation mode Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  4. Changing Market Realities Consolidation Increasing competition Preference for: Stability Predictability Growth potential Social relevance Stockholder buy-in (February 2001) Choice of MABS model ABYAN as brand name New Business Proposition:Microfinance Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  5. The Microfinance Experience • Pilot launch: July 2001 - San Carlos Branch 2 Account Assistants • MF as adjunct unit of branch • Slow growth; confidence building phase • 170 active accounts after 24 months • Well-controlled delinquency • No pressure to produce Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  6. MF Expansion & Growth • 1st Replication: June 2003 in Victorias • 2nd Replication: January 2004 in Bacolod • 3rd / 4th Replication: September 2004 in Iloilo & Kabankalan Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  7. Number of Active AccountsJuly 2001 – June 2003 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  8. Number of Active AccountsJuly 2001 – March 2005 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  9. Total MF Loan Portfolio July 2001 – March 2005 No. of AAs 2 2 2 2 4 4 7 7 9 10 14 No. of branches 1 1 1 1 2 2 3 3 5 5 5 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  10. Portfolio Quality July 2001 – March 2005 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  11. ABYAN Portfolio as Percent of TotalDecember 31, 2004 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  12. The Vision: A MICROFINANCE-ORIENTED BANK BY END-2007 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  13. The Vision: A MICROFINANCE-ORIENTED BANK BY END-2007 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  14. Ensure focus & create a sense of urgency Realign organization Cascade credit approval Motivate for success Enhance productivity incentive program Expand coverage Growth & Efficiency Technology/innovation to improve delivery Continuous product enhancement Identify sites for LCDPs Provide fun & recognition Wall of Fame Dog Awards Strategic Challenges Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  15. DOG Awards The Golden Retriever Award For the most new accounts acquisition for the month Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  16. DOG Awards The Doberman Award For best in portfolio quality for the month Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  17. DOG Awards The Collie Award For the most number of accounts processed & approved for the month Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  18. DOG Awards Top Kennel Award For the branch with the best in accounts growth & PAR7+ ratio for the month Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  19. DOG Awards TOP Dog Award For doing whatever it takes… Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  20. DOG Awards Sleeping Dog Certificates Askal Certificates Towards a Microfinance-Oriented Institution The Bank Victorias Experience

More Related