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MABS PARTICIPATING BANKS: TRENDS, RATINGS

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%

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MABS PARTICIPATING BANKS: TRENDS, RATINGS

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  1. NATIONAL ROUNDTABLE CONFERENCE 21-22 March 2003 MABS PARTICIPATING BANKS: TRENDS, RATINGS

  2. TRENDS35 Participating BanksJanuary 2002 – January 2003

  3. Total Loan Portfolio (Pesos)Jan 2002-Jan 2003 • Growth (jan02-jan03): 74% • Growth # PB Units: 29% • Growth # Active clients: 51% • Loan size to clients: Increasing

  4. % Distribution, 35 Banks, by Loan Portfolio Size, Jan. ‘03 • Majority with portfolio of P3.0 M and below • Avg. Loan Portfolio: P6.4 M • Largest portfolio: P48.0 M

  5. Average Outstanding Loan Size, By Rollout, 2000 – Jan 2003 */June data. 5

  6. % Distribution, 35 Banks, by Average Loan Size to Clients, 2002 • Avg. loan sizes are generally small . • 2/3 of banks with avg. loan size at <P5k to P16k.

  7. Average Size of Loans Disbursed Per Month, 2000 – Jan. ’03 (Pesos) */June data. 7

  8. Active BorrowersJan 2002-Jan 2003 • Growth (Jan02-Jan03): 51%

  9. Loan Officer Productivity, by RolloutIndividual Loans, As of Jan 2003 • Higher client productivity with “age” & maturity • Goal: 100 - 120/AO • Avg portfolio/AO beyond break-even pt. (pilot to 3rd)

  10. Account Officer Productivity, Group Loans, 4 Banks, As of Jan 2003

  11. # of Active Clients Per Account Officer, 2000 – Jan 2003 11 */June

  12. Loan Portfolio Per AO, By Rollout, 2000-Jan 2003 (PhP) */June data. 12

  13. Amount of Loans Disbursed Per Account Officer, Per Month */June data. 13

  14. # of Loans Disbursed Per Account Officer, Per Month, By Rollout, 2000 – Jan ‘03 */June • 5 loans disbursed weekly is do-able. 14

  15. Portfolio At Risk, All BanksJan 2002-Jan 2003

  16. By Rollout Group 28 Banks 2002 EAGLE RATING

  17. Overall EAGLE Rating, by Rollout

  18. Efficiency Indicator:Admin cost ratio* *Total direct operating costs/Average gross loan portfolio. • Goal: Reduce cost to 10% or less.

  19. Efficiency Indicator:AO Average Productivity, 200228 Banks, By Rollout

  20. Asset Quality Indicators: Average PARBy Rollout, 2002

  21. Growth Indicators, AverageBy Rollout, 2001 - 2002

  22. Liability Structure: Bankwide IndicatorBy Rollout, 28 Banks, 2002 • # banks with 100% or over: 12 (43%) • # banks with 50% & below: 4 (14%)

  23. Earnings Indicator, Average,By Rollout, 28 Banks, 2002 *(Total financial Income – Total financial expense – Total direct operating expenses)/Average gross loan portfolio

  24. THANK YOU.

  25. 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

  26. Active Borrowers, Trends, By Rollout, Jan’02-Jan ‘03 • Growth (Jan 02-Jan 03), 35 banks: 51%. Pilot 2,301 7% Share 1st RO 20,768 61% 2nd RO 8,109 24% 3rd RO 2,550 8% 5th RO 242 Total 33,970 100% */Less than 1% (0.7%)

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