msu iit mpc ato kini!
TRANSCRIPT
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
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
• 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
