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Listening to Data

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MABSIV
MABSIV

MABS Deputy Chief of Party, Ms. Meliza Agabin shares how banks should use the MABS performance monthly reports to track the bank's performance and make informed decision during the 2012 RBAP-MABS Nationa Roundtable Conference on June 8.

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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   Doing   well  or   not?   Income  and   Expense  
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   600 9 Loan Amount (Million Pesos) 500 Number of Loans Disbursed 7 400 5 300 3 200 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 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   •  Consolidated   Performance   Monitoring   •  By  Product   Report   •  By  Branch   •  AO  efficiency   Annual   against  standard   EAGLE  Score   Card   •  Cost  efficiency   •  Growth  rates  YoY   •  Performance   Top  3  MIS   report  by  AO   reports   •  PAR  Aging  Report   •  Delinquency  lis,ng  
What  the  data  maybe  telling   If   opera,ons   •  Time  for  product   are  having   opera,ons  review?   problems   •  Time  to  study  the   If  clients   market  again?   are  leaving   •  Time  to  introduce   your  bank   innova,ons  or  new   products?   •  Need  to  Evaluate-­‐ How  good   compliance  to   or  bad   policies/procedures?   porSolio   quality  is?   •  Need  to  review   profitability?  
Management  role  is  key  to  ensure   Data   submiTed   on  ,me   Data   accuracy   Monitoring   Repor,ng   system     con,nue  
…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?  

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Listening to Data

  • 1. Session  4:   LISTENING  TO  DATA   Meliza H. Agabin MABS   2012 RBAP-MABS National Roundtable Conference June 7-8, 2012 Hyatt Hotel Manila  
  • 2. Focus  on  key  ques,ons  
  • 3. Tools  at  your  finger,ps  
  • 4. What’s  in  a  Monthly  Performance   Report?   Performance   Indicators   Doing   well  or   not?   Income  and   Expense  
  • 5. What’s  in  a  Monthly  Performance  Report?   Name of Bank Consolidated Monthly Performance – Microfinance December 2010 & December 2011
  • 6. What’s  in  a  Monthly  Performance  Report?   Name of Bank Consolidated Monthly Performance – Microfinance December 2010 & December 2011
  • 7. SAMPLE  CHARTS   FOR  BUSY  MANAGERS  
  • 8. Trends:  Ac,ve  Borrowers;  PorSolio   GOING  UP?                                                      OR   GOING  DOWN?  
  • 9. PaTern:  Loan  Disbursements   Know  when  demand  rises  and  falls.  
  • 10. PaTern:  Loan  Disbursements   600 9 Loan Amount (Million Pesos) 500 Number of Loans Disbursed 7 400 5 300 3 200 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 Loan Amount (Million Pesos) Number of Loans Disbursed Adjust product Loan budgets according to demand.
  • 11. TRENDS:  PAR  7  &  30  (in  %)   RISING?                                                                                      OR   FALLING?    
  • 12. TRENDS:  PAR  7,  30,  90     (in  %  &  PhP  M)     •  B   PAR  %  declining   But  PAR  amount  increasing  
  • 13. Reports  Management  Should  Review   Monthly   •  Consolidated   Performance   Monitoring   •  By  Product   Report   •  By  Branch   •  AO  efficiency   Annual   against  standard   EAGLE  Score   Card   •  Cost  efficiency   •  Growth  rates  YoY   •  Performance   Top  3  MIS   report  by  AO   reports   •  PAR  Aging  Report   •  Delinquency  lis,ng  
  • 14. What  the  data  maybe  telling   If   opera,ons   •  Time  for  product   are  having   opera,ons  review?   problems   •  Time  to  study  the   If  clients   market  again?   are  leaving   •  Time  to  introduce   your  bank   innova,ons  or  new   products?   •  Need  to  Evaluate-­‐ How  good   compliance  to   or  bad   policies/procedures?   porSolio   quality  is?   •  Need  to  review   profitability?  
  • 15. Management  role  is  key  to  ensure   Data   submiTed   on  ,me   Data   accuracy   Monitoring   Repor,ng   system     con,nue  
  • 16. …and  steps  taken  when  data  signal   problems  
  • 17. 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)