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New Developments& Future Directions        forRural Banks offering   Microfinance   54th RBAP Charter Symposium        Nov...
Providing technical assistance and trainingto rural banks in microfinance best practices                  since 1997!
@15!
• 100  participating  rural banks• 1,100 bank  branches&  OBOs
Key Indicators        As of Sept-2011Cumulative No. of New           > 900,000BorrowersCumulative Amount of Loans     > Ph...
Technical   Initiatives and      Training   in microfinance best practicesEnhancement    of ICT Systems to support micro...
Micro-Loans Performance Indicators 1998 - June 2011                                      300,000                          ...
Micro-Deposits Performance Indicators 1998 – June 2011                          1,600,000                                 ...
Factors Affecting Banks        Inclusive        New       Regulations   Technologies                              Increasi...
What is your market niche?    Households          Enterprises        TeachersOut-of-town Workers       Farmers         Fis...
Wider Consumer Choices
Multiple Borrowings & Over-indebtedness
More Discriminating Borrowers & SaversATM Cards                       Microinsurance
Addressing the Needs                 of your MarketTRADITIONAL PRODUCTS   NEW PRODUCTSMicrofinance           Housing Micro...
Inclusive Regulations enabling GreaterOutreach                                                   Branchless               ...
• Micro Deposits  (deposits/withdrawals)• Micro Loan Disbursements  and Collections• ATMs• Electronic Money Cash-in  and C...
small loan                         Small Farm        Home    amounts              Production     Improvement    alternat...
MicroSavings
MicroSavings
MicroSavings
WIN P500BE THE FIRST TO TEXTYOUR NAME AND EMAIL      ADDRESS          TO   0-917-848-MABS
New Technologies & Channels
Widespread MobileBanking Technologies             SMS            Banking
Mobile Money Platforms•Card-less Mobile Money Platform •Card-based Mobile Money Platform•Now linked to an ATM card      •I...
“Toys are hooks for selling Happy meals as mobilepayments or mobile transfers are hooks for selling   a depository relatio...
Today, Rural Banks Can Offer the Following    Mobile Phone Banking Services…
Lower Cost of Technology
Use of Card-based &ATM Banking
Use of Third-Party Networks
Are you using      Social Networking &         Crowdsourcingto expand your market outreach?
Rural Bank Responses Market trend responses  o   Product diversification  o    Customer retention programs  o   Introduce...
Rural Bank ResponsesNew Technology Adoption    Deploy Cash/Debit Card, Mobile Phone     Banking, and “Agent” Channels  ...
Things to watch out ...1. Pricing Transparency – Tiered Pricing   2. Credit Bureaus3. Leverage Technology1. Outreach  2. C...
M a r a mingS a l a m a t!!!            Email:     jowens@rbapmabs.org           Websites:      www.rbapmabs.orgwww.mobile...
Owens rbap presentation nov 2011
Owens rbap presentation nov 2011
Owens rbap presentation nov 2011
Owens rbap presentation nov 2011
Owens rbap presentation nov 2011
Owens rbap presentation nov 2011
Owens rbap presentation nov 2011
Owens rbap presentation nov 2011
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Owens rbap presentation nov 2011

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Owens rbap presentation nov 2011

  1. 1. New Developments& Future Directions forRural Banks offering Microfinance 54th RBAP Charter Symposium November 10-11, 2011
  2. 2. Providing technical assistance and trainingto rural banks in microfinance best practices since 1997!
  3. 3. @15!
  4. 4. • 100 participating rural banks• 1,100 bank branches& OBOs
  5. 5. Key Indicators As of Sept-2011Cumulative No. of New > 900,000BorrowersCumulative Amount of Loans > PhP 37 BDisbursedTotal No. of Micro-deposits > 1.45 MTotal Volume of Micro- > PhP 2 Bdeposits
  6. 6. Technical Initiatives and Training in microfinance best practicesEnhancement of ICT Systems to support microfinance operationsMicrofinance Products and ServicesLocal & International linkages
  7. 7. Micro-Loans Performance Indicators 1998 - June 2011 300,000 2,500 Micro-Loan Portfolio Balance (in Millions) 246,016 249,579 250,000No. of Active Borrowers Outstanding 2,000 223,125 2,028 203,964 1,963 200,000 184,933 1,696 1,500 1,603 150,000 139,454 1,468 1,000 100,000 89,137 921 72,315 500 45,216 632 50,000 33,587 22,266 525 10,185 317 225 85 1,905 129 53 0 0 7 0 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 No. of Active Micro Borrowers Outstanding Micro-Loan Portfolio Balance (in Millions)
  8. 8. Micro-Deposits Performance Indicators 1998 – June 2011 1,600,000 2,500 1,446,772 1,458,905 1,437,370 1,424,111 1,400,000 1,280,994 Amount of Micro-Deposit Balance (in Millions) 2,000 1,200,000 1,170,669 2,059No. of Micro-Depositors 2,023 1,000,000 1,930 1,500 1,831 835,469 800,000 771,799 1,688 1,000 600,000 1,578 523,713 482,488 1,104 400,000 1,002 349,459 567 500 197,146 541 200,000 336 171 482 11,601 0 0 12 0 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 No. of Micro Depositors Outstanding Amt. of Micro Deposit Balance (in Millions)
  9. 9. Factors Affecting Banks Inclusive New Regulations Technologies Increasing Changing Rural Competition markets Banks
  10. 10. What is your market niche? Households Enterprises TeachersOut-of-town Workers Farmers Fishermen Employees Utility companies Children 10
  11. 11. Wider Consumer Choices
  12. 12. Multiple Borrowings & Over-indebtedness
  13. 13. More Discriminating Borrowers & SaversATM Cards Microinsurance
  14. 14. Addressing the Needs of your MarketTRADITIONAL PRODUCTS NEW PRODUCTSMicrofinance Housing MicrofinanceSalary Loans MicroinsuranceCommercial Loans Cash CardsAgriculture Loans ATM servicesDeposit Services Micro-AgriculturalRemittances LoansBill Payments Money Transfer Services Mobile Phone Banking
  15. 15. Inclusive Regulations enabling GreaterOutreach Branchless Banking via Mobile, Cash Card, ATM, and Microinsurance Debit Card Microsavings products More micro loan products (Housing Microfinance, Micro Agri) Micro Banking Offices
  16. 16. • Micro Deposits (deposits/withdrawals)• Micro Loan Disbursements and Collections• ATMs• Electronic Money Cash-in and Cash-out services• Bill payments• Remittances• Government Payments• Utility Payments
  17. 17. small loan Small Farm Home amounts Production Improvement alternative forms Farm tools & House/Lot Acquisition of collateral equipment character & cash flow-based  regular amortization  short-to longer- term (for housing)*/CGAP
  18. 18. MicroSavings
  19. 19. MicroSavings
  20. 20. MicroSavings
  21. 21. WIN P500BE THE FIRST TO TEXTYOUR NAME AND EMAIL ADDRESS TO 0-917-848-MABS
  22. 22. New Technologies & Channels
  23. 23. Widespread MobileBanking Technologies SMS Banking
  24. 24. Mobile Money Platforms•Card-less Mobile Money Platform •Card-based Mobile Money Platform•Now linked to an ATM card •Instant Smart Money Card•Co-branded with rural banks •MasterCard Debit Card•Payments •Payments•Money Transfer •Money Transfer•Mobile Banking •Mobile Banking
  25. 25. “Toys are hooks for selling Happy meals as mobilepayments or mobile transfers are hooks for selling a depository relationship”QasifShahid MCB
  26. 26. Today, Rural Banks Can Offer the Following Mobile Phone Banking Services…
  27. 27. Lower Cost of Technology
  28. 28. Use of Card-based &ATM Banking
  29. 29. Use of Third-Party Networks
  30. 30. Are you using Social Networking & Crowdsourcingto expand your market outreach?
  31. 31. Rural Bank Responses Market trend responses o Product diversification o Customer retention programs o Introduce payment services Competitive responses o Use MBOs o Introduce micro-deposits & mobile money transfer to „up-sell‟ other products/services Use third-party networks to outsource KYC & market bank services
  32. 32. Rural Bank ResponsesNew Technology Adoption  Deploy Cash/Debit Card, Mobile Phone Banking, and “Agent” Channels  Upgrade Core Banking Solutions  Utilize the Power of Social Networks
  33. 33. Things to watch out ...1. Pricing Transparency – Tiered Pricing 2. Credit Bureaus3. Leverage Technology1. Outreach 2. Competition 3. Efficiency 4. Social Networks - Crowdsourcing
  34. 34. M a r a mingS a l a m a t!!! Email: jowens@rbapmabs.org Websites: www.rbapmabs.orgwww.mobilephonebanking.rbap.org microinsurance.rbap.org www.youtube.com/rbapmabs Facebook: MABS Phil

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