eagle revisions
TRANSCRIPT
ProposedChangesintheEAGLEScoringSystem
MelyAgabin
MABS
2010RBAP‐MABSNa.onalRoundtableConferenceHya=HotelandCasino,ManilaJune2‐3,2010
• The EAGLE indicators were last reviewed and adjusted in 2005.
• Changes to Philippine microfinance industry include:
o Entry of more players o Stronger competition o Inflation o Broad range of experience and years of operation
of rural banks
BSP Camels Ratings Requirement 3.0 3.5
CAR Formula Total capital assets/Total
assets – (cash, COCi,due fr BSP & banks)
BSP-prescribed risk-based method of computation in
Form 11-X162
CAR % Requirement 12% 12%
BEFORE AFTER
New (4 years & below) 1,000 1,000
Young (> 4 to 8 years) 1,000 1,000
Mature (> 8 years) 1,000 2,000
BEFORE AFTER Minimum number of active borrowers by age
Cost/Active Borrower Indicator
Individual = >P1500 Group = >P500
Dropped
Weight for Loan Officer Productivity (Ind.) 5% 10%
Weight for Efficiency 30% 30%
BEFORE AFTER Efficiency
Weight for Loan Officer Productivity (Group) 5% 10%
New (4 years or less) 20% 20%
Young (> 4 to 8 years) 20% 20%
Mature (> 8 years) 20% 20%
BEFORE AFTER Growth
15% 15%
10% 10%
10% 10%
Active Borrowers
MF Loan Portfolio
Active Borrowers
MF Loan Portfolio