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NRT 2011: A Fresh Perspective on Mobilizing Micro-Deposit

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NRT 2011
May 23-24, 2011
Manila

Session 5:
A Fresh Perspective on Mobilizing Micro-deposits
Banker's Perspective

By: Meliza H. Agabin
RBAP-MABS Deputy Chief of Party

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NRT 2011: A Fresh Perspective on Mobilizing Micro-Deposit

  1. 1. Resource
Speakers
•  Gerardo
Butardo,
BSP
•  William
K.
Hotchkiss,
Can=lan
Bank
•  Joel
Luna,
1st
Valley
Bank

  2. 2. Deposit
to
Loan
Ra=o,
50
RBs
•  GOOD
NEWS:

Majority
(58%)
with
a
Ra=o
 over
100%
•  Only
2
RBs
out
of
10
have
a
lot
of
catching
up
 to
do.
•  Two
RBs
sharing
what
they
do
have
a
ra=o
 over
80%
‐
with
deposits
genera=on
trying
to
 run
fast
to
catch
up
with
loans

  3. 3. Deposits
and
loans:
Playing
Catch
Up

 Can=lan
Bank
800
700
600
500
400
 Deposits
300
 Loans
200
100
 0
 2001
 2005
 2006
 2007
 2008
 2009
 2010
 (Amount
in
PhP
Million)
 Can=lan
Bank:
Deposits
&
Loans
Outstanding,
Yrs.
2001;
2005‐2010

  4. 4. Microdeposits
•  Micro
deposit
accounts
comprise
over
90%
of
 total
number
of
accounts
for
both
1
VB
and
 Can=lan
Bank.
•  Micro
deposit
amounts
are
5.4%
and
13.6%,
 respec=vely.
•  New
regula=ons
provide
new
opportuni=es
to
 expand
reach
to
many
more
micro
savers.


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