1. Proposed Changes in the
EAGLE Scoring System
Mely Agabin
MABS
2010 RBAP‐MABS Na.onal Roundtable Conference
Hya= Hotel and Casino, Manila
June 2‐3, 2010

2. • The EAGLE indicators were last reviewed
and adjusted in 2005.
• Changes to Philippine microfinance
industry include:
o Entry of more players
o Stronger competition
o Inflation
o Broad range of experience and years of operation
of rural banks

4. BEFORE AFTER
BSP Camels Ratings
Requirement
3.0 3.5
Total capital assets/Total BSP-prescribed risk-based
CAR Formula assets – (cash, COCi,due fr method of computation in
BSP & banks) Form 11-X162
CAR % Requirement 12% 12%

5. Minimum number of active borrowers by age
BEFORE AFTER
New (4 years & below) 1,000 1,000
Young (> 4 to 8 years) 1,000 1,000
Mature (> 8 years) 1,000 2,000

6. Efficiency
BEFORE AFTER
Cost/Active Borrower Individual = >P1500
Indicator
Dropped
Group = >P500
Weight for Loan Officer
Productivity (Ind.)
5% 10%
Weight for Loan Officer
Productivity (Group)
5% 10%
Weight for Efficiency 30% 30%

7. Growth
BEFORE AFTER
Active MF Loan Active MF Loan
Borrowers Portfolio Borrowers Portfolio
New (4 years or less) 20% 20% 15% 15%
Young (> 4 to 8 years) 20% 20% 10% 10%
Mature (> 8 years) 20% 20% 10% 10%

8. Earnings
BEFORE AFTER
Annual Net
35% or more 20%
Microfinance Returns

9. Asset Quality and Liability Structure
No Change

10. Within 2010 after approval by the MABS
Steering Committee
THANK YOU!