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Managing Delinquency

Managing Delinquency. Sample Reports LOAN PORTFOLIO ANALYSIS. Collection Due Report. 10/05/2000 BayWalk Bank, Inc. Page : 1

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Managing Delinquency

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  1. Managing Delinquency Sample Reports LOAN PORTFOLIO ANALYSIS

  2. Collection Due Report 10/05/2000 BayWalk Bank, Inc. Page : 1 10:27:46pm Head Office COLLECTION DUE Through 10/05/2000 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- BORROWERS LOAN ACCT. AMORTIZATION PRINCIPAL INTEREST OTHER LOAN SAVINGS TOTAL AMOUNT AMOUNT LOAN AMOUNT PORTFOLIO SAVINGS NAME NUMBER DUE DATE DUE DUE CHARGES DUE DUE RECEIVED OVERDUE AT RISK OVERDUE --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ACCOUNT OFFICER :101 Edgar Allan Poe M T W Th F Ttl Acuesa, Artemia 66-01595-4 10/02/2000 300.00 22.50 0.00 60.00 382.50 ___³___³___³___³___³___ 0.00 0.00 30.00 Adella, Nieves 66-01414-1 10/02/2000 250.00 18.75 0.00 175.00 443.75 ___³___³___³___³___³___ 0.00 0.00 150.00 Albiza, Elena 66-01373-4 10/02/2000 1,000.00 75.00 0.00 800.00 1,875.00 ___³___³___³___³___³___ 0.00 0.00 700.00 Amorin, Mamerta 66-01322-5 10/04/2000 500.00 75.00 0.00 50.00 625.00 ___³___³___³___³___³___ 0.00 0.00 0.00 Ampo, Jeany 66-01568-8 10/04/2000 250.00 18.75 0.00 25.00 293.75 ___³___³___³___³___³___ 0.00 0.00 0.00 Andamon, Elizabeth 66-01531-5 09/29/2000 1,875.00 93.75 0.00 562.50 2,531.25 ___³___³___³___³___³___ 0.00 0.00 375.00 Anib, Merlyn 66-01316-1 10/03/2000 416.67 31.25 0.00 41.67 489.59 ___³___³___³___³___³___ 0.00 0.00 0.00 Antipolo, Rosalinda 66-01424-0 09/29/2000 312.50 30.99 0.00 187.50 530.99 ___³___³___³___³___³___ 0.00 0.00 156.25 Arena, Rosemarie 66-01462-9 10/02/2000 416.67 31.25 0.00 166.68 614.60 ___³___³___³___³___³___ 0.00 0.00 125.01 Asupan, Ludy 66-01299-7 10/02/2000 500.00 37.50 0.00 50.00 587.50 ___³___³___³___³___³___ 0.00 0.00 0.00 Bantayan, Judith 66-01644-2 10/02/2000 375.00 19.06 0.00 37.50 431.56 ___³___³___³___³___³___ 0.00 0.00 0.00 Batitay, Angelo 66-01407-2 09/28/2000 2,500.00 312.50 0.00 1,500.00 4,312.50 ___³___³___³___³___³___ 0.00 0.00 1,250.00 Bautista, Juliet 66-01368-3 10/02/2000 833.33 63.19 0.00 666.64 1,563.16 ___³___³___³___³___³___ 0.00 0.00 583.31 Beldad Jr., Nicolas 66-01238-9 09/29/2000 500.00 62.08 0.00 50.00 612.08 ___³___³___³___³___³___ 0.00 0.00 0.00 Bolonos, Dioscora 66-01463-2 10/02/2000 250.00 18.75 0.00 125.00 393.75 ___³___³___³___³___³___ 0.00 0.00 100.00 Boncales, Gloria 66-01115-2 10/04/2000 416.67 62.50 0.00 41.67 520.84 ___³___³___³___³___³___ 0.00 0.00 0.00 Cabigas, Cristina 66-01623-1 10/02/2000 1,250.00 94.79 0.00 125.00 1,469.79 ___³___³___³___³___³___ 0.00 0.00 0.00 Campilanan, Erlinda 66-01454-7 10/04/2000 383.33 28.75 0.00 191.65 603.73 ___³___³___³___³___³___ 0.00 0.00 153.32 Canillo, Dolores 66-01302-7 10/04/2000 1,875.00 187.50 0.00 187.50 2,250.00 ___³___³___³___³___³___ 0.00 0.00 0.00 Cecilio, Marita 66-01502-1 09/29/2000 375.00 18.44 0.00 150.00 543.44 ___³___³___³___³___³___ 0.00 0.00 112.50 Codilla, Erlinda 66-01701-2 10/04/2000 383.33 28.75 0.00 38.33 450.41 ___³___³___³___³___³___ 0.00 0.00 0.00 Cordero, Rebecca 66-01698-2 10/04/2000 2,500.00 187.50 0.00 250.00 2,937.50 ___³___³___³___³___³___ 0.00 0.00 0.00 Dela Salde, Raul 66-01421-9 10/03/2000 875.00 44.48 0.00 612.50 1,531.98 ___³___³___³___³___³___ 0.00 0.00 525.00

  3. Listing of Loans M10/03/2000 BayWalk Bank, Inc. Page : 1 11:45:00pm Head Office LISTING OF LOANS As of 09/27/2000 --------------------------------------------------------------------------------------------------------------------------------------------------------------------- BORROWERS LOAN ACCT. CUMULATIVE DATE OF DATE OF AMOUNT OF LOAN ACCOUNT AMORTIZATION LOAN AMOUNT PORTFOLIO HOLD OUT NAME NUMBER LOAN DISB. MATURITY LOAN DISB. BALANCE AMOUNT OVERDUE AT RISK BALANCE --------------------------------------------------------------------------------------------------------------------------------------------------------------------- ACCOUNT OFFICER :101 Edgar Allan Poe Acuesa, Artemia 66-01595-4 2 09/05/2000 12/04/2000 3,600.00 3,000.00 322.50 0.00 0.00 283.82 Adella, Nieves 66-01414-1 2 08/01/2000 10/30/2000 3,000.00 1,250.00 268.75 0.00 0.00 757.75 Aguinaldo, Meriam 66-01694-8 2 09/20/2000 11/20/2000 5,000.00 5,000.00 1,313.54 0.00 0.00 67.50 Albiza, Elena 66-01373-4 2 07/25/2000 10/23/2000 12,000.00 4,000.00 1,075.00 0.00 0.00 1,117.19 Amorin, Mamerta 66-01322-5 2 07/14/2000 01/10/2001 12,000.00 7,500.00 575.00 0.00 0.00 782.54 Ampo, Jeany 66-01568-8 3 08/31/2000 11/29/2000 3,000.00 2,250.00 268.75 0.00 0.00 381.25 Andamon, Elizabeth 66-01531-5 2 08/28/2000 10/27/2000 15,000.00 9,375.00 1,968.75 0.00 0.00 13,051.25 Anding, Encarnacion 66-01546-2 2 08/29/2000 10/27/2000 5,000.00 2,500.00 2,622.92 0.00 0.00 309.58 Anib, Merlyn 66-01316-1 2 07/12/2000 10/10/2000 5,000.00 833.30 447.92 0.00 0.00 743.82 Antipolo, Rosalinda 66-01424-0 2 08/04/2000 12/01/2000 5,000.00 3,125.00 343.49 0.00 0.00 1,446.56 Arena, Rosemarie 66-01462-9 2 08/15/2000 11/13/2000 5,000.00 2,916.65 447.92 0.00 0.00 110.12 Asio, Aida 66-01737-1 1 09/27/2000 11/27/2000 7,000.00 7,000.00 919.48 0.00 0.00 N/A Asupan, Ludy 66-01299-7 2 07/11/2000 10/09/2000 6,000.00 1,000.00 537.50 0.00 0.00 158.60

  4. Client Status Report M10/04/2000 BayWalk Bank, Inc. Page : 1 01:27:00am Head Office CLIENT STATUS REPORT As of 09/27/2000 Name of Client : Layug, Nenet B. Client Code : 20551 Address : Loan Sector : Other Loan Performance of Previous Loan ------------------------------------------------------------------------------------------------------------------------------------------------------- Cumulative Loan Account Date Amount of Loan # Amortizations # Late Maximum % Amortizations Business Loan Number Disbursed Disbursed Amortizations Days Late Made on Time Activity ------------------------------------------------------------------------------------------------------------------------------------------------------- 1 66-00100-0 06/03/1999 10,000.00 12 1 1 91.67% Other Loan 2 66-00306-6 09/01/1999 12,000.00 12 11 6 8.33% Other Loan Current Loan Information Loan Date : 12/01/1999 # Amortizations : 12 Loan Amount : 14,000.00 # Amortizations Expected(to date) : 12 # of Amortizations Made on Time(to date) : 0 % Made on Time(to date): 0.00% Amortization Number Amortization Amount Amortization Due Date Amortization Paid Date Amortization Status Days Late 1 1,254.17 12/14/1999 12/24/1999 Paid Late 10 2 1,254.17 12/21/1999 12/28/1999 Paid Late 7 3 1,254.17 12/28/1999 01/04/2000 Paid Late 7 4 1,254.17 01/04/2000 02/16/2000 Paid Late 43 5 1,254.17 01/11/2000 02/16/2000 Paid Late 36 6 1,254.17 01/18/2000 02/16/2000 Paid Late 29 7 1,254.17 01/25/2000 05/03/2000 Paid Late 99 8 1,254.17 02/01/2000 08/03/2000 Paid Late 184 9 1,254.17 02/08/2000 08/03/2000 Paid Late 177 10 1,254.17 02/15/2000 Overdue 226 11 1,254.17 02/22/2000 Overdue 219 12 1,254.13 02/29/2000 Overdue 212

  5. Delinquency Report M10/04/2000 BayWalk Bank, Inc. Page : 1 00:51:55am Head Office DELINQUENCY REPORT AS OF 09/27/2000 ------------------------------------------------------------------------------------------------------------------------------------------------------------------ BORROWERS LOAN ACCT. ---------DATE--------- AMT. OF LN. PORTFOLIO TOTAL AMOUNT # OF LN AMORT DAYS HOLDOUT EXPOSED NAME NUMBER DISBURSED MATURITY DISBURSED AT RISK DUE MISSED OVERDUE BALANCE AMOUNT ------------------------------------------------------------------------------------------------------------------------------------------------------------------ ACCOUNT OFFICER :101 Julia Roberts Mabual, John 66-01307-5 07/11/2000 10/09/2000 5,000.00 1,231.08 398.31 1 3 83.65 1,147.43 Ollegue, Aguida 66-01038-4 05/18/2000 11/14/2000 10,000.00 3,076.59 159.98 1 2 23.40 3,053.13 Paraiso, Juana 66-01385-1 07/26/2000 09/25/2000 3,000.00 1,500.00 1,591.24 4 24 8.08 1,491.92 Villote, Michael 66-01481-3 08/18/2000 02/14/2001 25,000.00 21,874.99 1,197.92 1 1 0.00 21,874.99 Sub-Total -> 4 acct(s) 43,000.00 27,682.66 3,309.95 115.13 27,567.53 ACCOUNT OFFICER :104 Renee Zelwegger Amatong, Merlie 66-01370-3 07/25/2000 10/23/2000 5,000.00 1,774.35 107.71 1 3 2.10 1,772.25 Caminoy, Rosalinda 66-01392-9 07/27/2000 10/25/2000 10,000.00 4,224.99 892.86 1 3 42.04 4,182.95 Sub-Total -> 2 acct(s) 15,000.00 5,999.34 1,000.57 44.14 4,563.69

  6. Portfolio-at-Risk Report

  7. Interest Collected by MFU

  8. Performance Report by AO

  9. MF Monthly Report

  10. PAR Aging & Business Activity 10/04/2000 BayWalk Bank, Inc. Page : 1 01:04:48am Head Office PORTFOLIO AT RISK BY AGING ANALYSIS and BUSINESS ACTIVITY As of 09/27/2000 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Number of Business Activity No. of Loans No. of Loans Outstanding Business Activity Portfolio Portfolio at Borrowers As a % of Grand Total with overdue with overdue Loan As a % of Grand Total At Risk Risk (%) (subtotal/grandtotal) Amounts Amount % Portfolio (subtotal/grand total) (# of Loans) (Amount of Loans) --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- SUKI-Tricycle Operator Current 18 0 0.00% 65,766.56 0.00 0.00% 1 - 7 days 1 1 5.26% 1,231.08 1,231.08 1.84% 8 - 14 days 0 0 0.00% 0.00 0.00 0.00% 15 - 30 days 0 0 0.00% 0.00 0.00 0.00% 31 - 60 days 0 0 0.00% 0.00 0.00 0.00% 61 - 90 days 0 0 0.00% 0.00 0.00 0.00% Over 90 days 0 0 0.00% 0.00 0.00 0.00% SUB-TOTAL 19 4.18% 1 5.26% 66,997.64 2.19% 1,231.08 1.84% --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- SUKI-Fruit Vendor Current 9 0 0.00% 73,455.24 0.00 0.00% 1 - 7 days 0 0 0.00% 0.00 0.00 0.00% 8 - 14 days 0 0 0.00% 0.00 0.00 0.00% 15 - 30 days 0 0 0.00% 0.00 0.00 0.00% 31 - 60 days 0 0 0.00% 0.00 0.00 0.00% 61 - 90 days 0 0 0.00% 0.00 0.00 0.00% Over 90 days 0 0 0.00% 0.00 0.00 0.00% SUB-TOTAL 9 1.98% 0 0.00% 73,455.24 2.40% 0.00 0.00% --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- SUKI-Vegetable Vendor Current 9 0 0.00% 50,550.00 0.00 0.00% 1 - 7 days 0 0 0.00% 0.00 0.00 0.00% 8 - 14 days 0 0 0.00% 0.00 0.00 0.00% 15 - 30 days 0 0 0.00% 0.00 0.00 0.00% 31 - 60 days 0 0 0.00% 0.00 0.00 0.00% 61 - 90 days 0 0 0.00% 0.00 0.00 0.00% Over 90 days 0 0 0.00% 0.00 0.00 0.00% SUB-TOTAL 9 1.98% 0 0.00% 50,550.00 1.65% 0.00 0.00% ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------

  11. PAR by Loans Disbursed 10/04/2000 BayWalk Bank, Inc. Page : 1 01:04:59am Head Office PORTFOLIO AT RISK SORTED BY DISBURSED LOAN AMOUNT AND BUSINESS ACTIVITY As of 09/27/2000 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Number of Business Activity No. of Loans No. of Loans Outstanding Business Activity Portfolio Portfolio at Borrowers As a % of Grand Total with overdue with overdue Loan As a % of Grand Total At Risk Risk (%) (subtotal/grandtotal) Amounts Amount % Portfolio (subtotal/grand total) (# of Loans) (Amount of Loans) --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- SUKI-Tricycle Operator Less than 5,000.01 8 1 5.26% 15,439.38 1,231.08 1.84% 5,000.01 to 10,000 10 0 0.00% 38,433.26 0.00 0.00% 10,000.01 to 25,000 1 0 0.00% 13,125.00 0.00 0.00% 25,000.01 to 50,000 0 0 0.00% 0.00 0.00 0.00% 50,000.01 to 100,000 0 0 0.00% 0.00 0.00 0.00% over 100,000 0 0 0.00% 0.00 0.00 0.00% SUB-TOTAL 19 4.18% 1 5.26% 66,997.64 2.19% 1,231.08 1.84% --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- SUKI-Fruit Vendor Less than 5,000.01 1 0 0.00% 1,500.00 0.00 0.00% 5,000.01 to 10,000 5 0 0.00% 25,083.36 0.00 0.00% 10,000.01 to 25,000 2 0 0.00% 24,371.88 0.00 0.00% 25,000.01 to 50,000 1 0 0.00% 22,500.00 0.00 0.00% 50,000.01 to 100,000 0 0 0.00% 0.00 0.00 0.00% over 100,000 0 0 0.00% 0.00 0.00 0.00% SUB-TOTAL 9 1.98% 0 0.00% 73,455.24 2.40% 0.00 0.00% --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- SUKI-Vegetable Vendor Less than 5,000.01 5 0 0.00% 15,216.65 0.00 0.00% 5,000.01 to 10,000 2 0 0.00% 15,166.66 0.00 0.00% 10,000.01 to 25,000 2 0 0.00% 20,166.69 0.00 0.00% 25,000.01 to 50,000 0 0 0.00% 0.00 0.00 0.00% 50,000.01 to 100,000 0 0 0.00% 0.00 0.00 0.00% over 100,000 0 0 0.00% 0.00 0.00 0.00% SUB-TOTAL 9 1.98% 0 0.00% 50,550.00 1.65% 0.00 0.00% ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------

  12. Loans Profile by Gender M 10/05/2000 BayWalk Bank, Inc. Page : 1 05:35:38am Head Office LOANS PROFILE BY GENDER As of 09/27/2000 -------------------------------------------------------------------------------------------------------------- NO. OF NO. OF LOANS NO. OF LOANS WITH OUTSTANDING LOANS PORTFOLIO PORTFOLIO BORROWERS WITH OVERDUE AMTS OVERDUE AMTS(%) PORTFOLIO AT RISK AT RISK(%) -------------------------------------------------------------------------------------------------------------- MALE 109 5 4.59% 841,649.02 61,013.85 7.25% -------------------------------------------------------------------------------------------------------------- FEMALE 346 12 3.47% 2,215,036.70 49,831.30 2.25% -------------------------------------------------------------------------------------------------------------- GRAND TOTAL 455 17 3.74% 3,056,685.72 110,845.15 3.63%

  13. MF Performance Report 1

  14. MF Performance Report 2

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