Listening to Data
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Transcript of Listening to Data
Session 4: LISTENING TO DATA
Meliza H. Agabin MABS
2012 RBAP-MABS National Roundtable Conference June 7-8, 2012
Hyatt Hotel Manila
Focus on key ques,ons
Tools at your finger,ps
What’s in a Monthly Performance Report?
Performance Indicators
Income and Expense
Doing well or not?
What’s in a Monthly Performance Report? Name of Bank Consolidated Monthly Performance – Microfinance December 2010 & December 2011
What’s in a Monthly Performance Report? Name of Bank Consolidated Monthly Performance – Microfinance December 2010 & December 2011
SAMPLE CHARTS
FOR BUSY MANAGERS
Trends: Ac,ve Borrowers; PorSolio
GOING UP? OR GOING DOWN?
PaTern: Loan Disbursements
Know when demand rises and falls.
PaTern: Loan Disbursements
200
300
400
500
600
3
5
7
9
Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11 Jun-11 Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11
Num
ber o
f Loa
ns D
isbu
rsed
Loan
Am
ount
(M
illio
n Pe
sos)
Loan Amount (Million Pesos) Number of Loans Disbursed
Adjust product Loan budgets according to demand.
TRENDS: PAR 7 & 30 (in %)
RISING? OR FALLING?
TRENDS: PAR 7, 30, 90 (in % & PhP M)
• B
PAR % declining But PAR amount increasing
Reports Management Should Review Monthly
Performance Monitoring Report
• Consolidated • By Product • By Branch
Annual EAGLE Score
Card
• AO efficiency against standard
• Cost efficiency • Growth rates YoY
Top 3 MIS reports
• Performance report by AO
• PAR Aging Report • Delinquency lis,ng
What the data maybe telling If
opera,ons are having problems
• Time for product opera,ons review?
If clients are leaving your bank
• Time to study the market again?
• Time to introduce innova,ons or new products?
How good or bad porSolio quality is?
• Need to Evaluate-‐compliance to policies/procedures?
• Need to review profitability?
Management role is key to ensure
Monitoring Repor,ng system con,nue
Data accuracy
Data submiTed on ,me
…and steps taken when data signal problems
Informa,on can tell us everything. It has all the answers. But they are
answers to ques,ons we have…………. to ask.
(With apologies to Jean Baudrillard)
May tanong?