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Towards a Microfinance-Oriented Institution The Bank Victorias Experience

Towards a Microfinance-Oriented Institution The Bank Victorias Experience. Mr. Jaime Lopez President April 26, 2005, MABS, Davao City. The Old Bank Victorias. Incorporation – April 25, 1961. Location – Victorias, Negros Occ.; 1 office. Ownership – Family-owned & managed.

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Towards a Microfinance-Oriented Institution The Bank Victorias Experience

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  1. Towards a Microfinance-Oriented InstitutionThe Bank Victorias Experience Mr. Jaime Lopez President April 26, 2005, MABS, Davao City

  2. The Old Bank Victorias • Incorporation – April 25, 1961 • Location – Victorias, Negros Occ.; 1 office • Ownership – Family-owned & managed • Activities – Deposit-taking; agri, small commercial, & personal lending • Under rehab by mid-80’s Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  3. A reorganized Bank • New Ownership in 1993 with 5 family blocs • Oversight & management was professionalized • Branch expansion: 4 new branches in 1996 & 1997 • 1997 Asian Financial Crisis - consolidation mode Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  4. Changing Market Realities Consolidation Increasing competition Preference for: Stability Predictability Growth potential Social relevance Stockholder buy-in (February 2001) Choice of MABS model ABYAN as brand name New Business Proposition:Microfinance Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  5. The Microfinance Experience • Pilot launch: July 2001 - San Carlos Branch 2 Account Assistants • MF as adjunct unit of branch • Slow growth; confidence building phase • 170 active accounts after 24 months • Well-controlled delinquency • No pressure to produce Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  6. MF Expansion & Growth • 1st Replication: June 2003 in Victorias • 2nd Replication: January 2004 in Bacolod • 3rd / 4th Replication: September 2004 in Iloilo & Kabankalan Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  7. Number of Active AccountsJuly 2001 – June 2003 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  8. Number of Active AccountsJuly 2001 – March 2005 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  9. Total MF Loan Portfolio July 2001 – March 2005 No. of AAs 2 2 2 2 4 4 7 7 9 10 14 No. of branches 1 1 1 1 2 2 3 3 5 5 5 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  10. Portfolio Quality July 2001 – March 2005 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  11. ABYAN Portfolio as Percent of TotalDecember 31, 2004 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  12. The Vision: A MICROFINANCE-ORIENTED BANK BY END-2007 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  13. The Vision: A MICROFINANCE-ORIENTED BANK BY END-2007 Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  14. Ensure focus & create a sense of urgency Realign organization Cascade credit approval Motivate for success Enhance productivity incentive program Expand coverage Growth & Efficiency Technology/innovation to improve delivery Continuous product enhancement Identify sites for LCDPs Provide fun & recognition Wall of Fame Dog Awards Strategic Challenges Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  15. DOG Awards The Golden Retriever Award For the most new accounts acquisition for the month Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  16. DOG Awards The Doberman Award For best in portfolio quality for the month Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  17. DOG Awards The Collie Award For the most number of accounts processed & approved for the month Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  18. DOG Awards Top Kennel Award For the branch with the best in accounts growth & PAR7+ ratio for the month Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  19. DOG Awards TOP Dog Award For doing whatever it takes… Towards a Microfinance-Oriented Institution The Bank Victorias Experience

  20. DOG Awards Sleeping Dog Certificates Askal Certificates Towards a Microfinance-Oriented Institution The Bank Victorias Experience

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