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?