msu iit mpc ato kini!

MSU IIT MULTI

PURPOSE COOPERATIVE

Ato kini!

By:Engr. Deal Noel D. BenegradoGeneral Manager

(as of September 2011)

KEY RESULT AREAS

0

100

200

300

400

500

600

700

800

503.93

259.58

132.98

449.5

60.6237.73 22.89

675.49

317.97

165.22

524.27

8560.46

24.53

739.07

386.13

181.46

578.8

106.5976.36

30.23

AS-SETS

DEPOSITSGROSS REVENU

E

LOANRELEAS

ES

SHARE CAPITA

L

EXPENSES

NET SURPLU

S

82%

91%

91%

79% 79

%81%

91%

27000

27500

28000

28500

29000

29500

30000

30500

31000

28,529

30,593

TOTAL MEM-BERSHIP

93%

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

12.07%

5.00%

DELINQUENCY

-141%

AUDITED 2009 AUDITED 2010 PROJECTED 2011

ASSETS 420 589 667

DEPOSITS 211 328 386

SHARE CAPITAL

110 140 175

LOAN RELEASES

532 618 699

GROSS REVENUE

70 76 120

EXPENSES 42 47 81

NET SURPLUS 28 29 39

MEMBERSHIP 20,321 24,803 29,900

DELINQUENCY

6.06% 8.66% 12%

Overall Ranking: 3-80%

COOP PESOS RANKING

1- 96 to 100 Very Good

2- 90 to 95 Good

3- 80 to 89 Fair4- 70 to 79

Poor5- below 70 Very

Poor

Weight Max. Raw

Score

Actual Score

Rating

COOP 20%

C 20 20

O 26 26

O 40 36

P 14 14Total Pts.

100 96 19.20

Weight Max. Raw

Score

Actual Score

Rating

PESOS 80%

P 25 18

E 20 19

S 30 24

O 10 9

S 15 5.5Total Pts. 100 76 60.8TOTAL RAWSCORE

COOP-PESOS

80

Overall Rating

3

Standard

Score

Pts.

Max. Eq.

Points

PORTFOLIO QUALITYPortfolio at risk 5% or

less12.07%

9 15

Allo. For probable losses on loans (over 365 days)

100% 100% 5 5

Allo. For probable losses on loans (1-12 mos.)

35% 33.70%

4 5

Standard

Score Pts.

Max. Eq. Points

EFFICIENCYAsset Yield Atleast

inflation rate4.89% 4 4

Ope. Self-sufficiency 120% & above

133.56%

4 4

ROR on Member’s Share

Higher than inflation rate

5.65% 4 4

Loan Portfolio Profitability

More than 20%

23.38%

4 4

Cost per Peso Loan P0.10 0.18 1 2

Admin. Efficiency 3%-10% 8.69% 2 2

Standard Score

Pts.

Max. Eq.

Points

STABILITY

Solvency Atleast 110% 113.61%

10 10

Liquidity Not less than 15%

34.13%

10 10

Net Institutional Cap.

Atleast 10% 3.73% 4 10

Standard

Score Pts.

Max. Eq.

Points

OPERATIONS

Performance of Membership Growth

75-100% of target

4% 4 5

Trend in External Borrowings

0 0% 5 5

Standard

Score Pts. Max. Eq. Pts.

STRUCTURE OF

ASSETSAsset Quality Not more

than 5%17.46%

0 5

Total Dep./Assets 55-65% 49.31%

3 5

Total LR/ Total Assets

70-80% 61.37%

1.5 2

Total Mem.SC/Assets

35-45% 24.68%

1 3

TOTAL 76 100

COOP PERFORMANCE1982- 2011

1982

1984

1986

1988

1990

1992

1994

1996

1998

2000

2002

2004

2006

2008

2010

0

100

200

300

400

500

600

700

800

Assets

Deposits

Share Capital

Loan Re-leases

1982

1984

1991

1993

1995

1997

1999

2001

2003

2005

2007

2009

2011

0

5,000

10,000

15,000

20,000

25,000

Membership

1982

1984

1986

1988

1990

1992

1994

1996

1998

2000

2002

2004

2006

2008

2010

0

10

20

30

40

50

60

70

80

90

100

Gross Revenue

Expenses

Net surplus

ASSETS in Millions

• 2000 86 • 2001 95 • 2002 100 • 2003 113 • 2004 132 • 2005 166 • 2006 200 • 2007 278 • 2008 350 • 2009 479 • 2010 550 • 2011 667

EQUITY in Millions

• 2000 10

• 2001 14

• 2002 14

• 2003 16

• 2004 21

• 2005 34

• 2006 45

• 2007 64

• 2008 90

• 2009 110

• 2010 140

• 2011 174

MEMBERSHIP2000 9002001 9702002 1,1102003 1,8002004 3,2802005 6,0002006 8,8502007 12,0002008 16,7202009 20,3202010 24,8002011 29,900

NET SURPLUS in Millions

• 2000 1

• 2001 3

• 2002 5

• 2003 6

• 2004 8

• 2005 9

• 2006 14

• 2007 18

• 2008 23

• 2009 28

• 2010 34

• 2011 39

DELINQUENCY BY PAR DAY 1 (in %)

• 2000 28

• 2001 26

• 2002 21

• 2003 9

• 2004 10

• 2005 11.8

• 2006 13.5

• 2007 10.7

• 2008 7.8

• 2009 6

• 2010 8.7

• 2011 12

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

MSU IIT MPC Delinquency by PAR 2000 – 2010 Graph

• IN ELEVEN YEARS (2000 TO 2011)

• … WE HAVE INCREASED MORE THAN EIGHT TIMES THE ASSETS FROM 85.7 MM TO 667 MM

• …INCREASED THE NET SURPLUS THIRTY FIVE TIMES FROM 1.1 MM TO39 MM

• … INCREASED THE EQUITY MORE THAN EIGHTEEN TIMES FROM 9.7 MM TO 175 MM

…INCREASED THE MEMBERSHIP BASE MORE THAN THIRTY FOUR TIMES FROM 892 TO 29,900

…INCREASED THE BUSINESS OPERATIONS FROM ONE CLOSED-TYPE COOP TO AN OPEN TYPE COMMUNITY COOP HAVING

12 BRANCHES &1 SATELLITE OFFICE (Tubod LDN)1 Coop Academy1 Coop Life Assurance CenterArea covered: Region 10 cities & municipalities

PROJECTED KEY RESULT

AREAS2011-2015

• Total Assets P1.4B• Net Surplus

100M• Membership 72,000• New Offices 15 Branches & 11

Satellites• New Products & 10 Products Services 10

Services• Access Branded• System Interconnectivity• Full financial services coop with subsidiary

cooperatives providing internet banking • COOP PESOS rating at least 90%• Coop Institute established• Area covered: Nationwide

MSU IIT MPC @ 2015