NRT 2011 May 23-24, 2011 Manila Session 8: Credit Bureau at Your Service By: Leonilo "Topper" Coronel Managing Director, Bankers Association of the Philippines Credit Bureau (BAP-CB)

3. History
• Partnership with RBAP for Rural Banks to Gain
Access to the NFIS – MOA dated May 31, 2004
• 2004 – 2010 : 28 Participants
Today : 46 Participants…and COUNTING
• No. of Inquiries: 2007 = 21,687 (JAN ‐ DEC)
2008 = 15,837 (JAN ‐ DEC)
2009 = 13,732 (JAN ‐ DEC)
2010 = 3,037 (JAN ‐ DEC)
2011 = 4,939 (JAN ‐ APR)

4. What’s New?
BEFORE AFTER
Lotus Notes Internet Based / Web Based
Manual Processing Automated Processing
Half-day Availability 24/7 Availability
Training : None One-on-one training with Mgt.
Team of new participants
Inquiry Fee: P10.00 Inquiry Fee: P5.00
None Data Management Module
None My Database
None SNIP (Similar Names Inquired
Previously)

5. Data Management Module
• Centralized electronic reporting thru a
secured channel, easy transmission
• Maintain a history of submitted reports
• Eliminated manual paper-based reports and
associated cost
• Confirmation of reports received and
uploaded to the NFIS

6. “My Database”
• Provides a rural bank with a centralized,
searchable repository of names it submitted
to the NFIS
• Allows a rural bank to verify and update the
status of names reported to the NFIS
• Operates as an in house NFIS within the
institution
• Value added service at no cost to rural
banks

7. Sample of SNIP format output
BAP CREDIT BUREAU, INC.
SIMILAR NAMES INQUIRED OVER THE LAST 60 DAYS
Negative File Information System (NFIS)
Inquiry Report on Account on 05/12/2011 17:44:39 Name: KING, SHIELA Birth: / /
Transaction ID: FORM-I-201101121744141f26-(bapcb.ltsabando).xml Address:
STRICTLY CONFIDENTIAL. For internal use only. Spouse:
--------------------------------------------------------------------------------- TIN: SEC No.:
Inquiry Key [ KING, SHIELA ] Born: Spouse: Inquired: 03/07/2011 Category: CC
Rec. Key:
Requested By:BAPCB
Name: KING, SHIELA Birth: / /
NO CLOSED CURRENT ACCOUNT RECORD. Address:
NO ADVERSELY CLASSIFIED LOAN RECORD. Spouse:
NO COURT CASE RECORD. TIN: SEC No.:
FOUND IN CANCELLED CARDS FILE Inquired: 03/08/2011 Category: CC
Name: CO, SHIELA KING Birth: 10/22/1981
Address: 157P RADA ST BRGY TALON SAN JUAN CITY 1500 Name: BARNANIA, SHIELA KING Birth: 06/03/1984
Sex: F Civil Stat: MARRIED Spouse:
Address: CAUSEWAY TECH INC
TIN: 901445432000 SSS/GSIS:
Spouse:
Business: SHIELA CREATION
TIN: SEC No.:
Bus Addr: 11 BURGOS ST SAN JUAN CITY 1500
SEC No. : Reg.: / / BDT No: Issued: / / Inquired: 3/8/2011 Category: KB
Reported: 04/26/2010 XYZ-CARD
Card No.: 5180963631347002 Surety: Copyright 2004 by BAP-Credit Bureau, Inc. All Rights
Balance: 10,000.00 CR Limit: 20,000 Closed: 03/04/2010 Reserved.
Extension:
Remarks:

8. Rural Banks Federation
FEDERATION NO. OF SUBSCRIBERS
Aklan Federation of Rural Banks 1
Confederation of Cagayan Valley Rural Banks 1
Nueva Ecija Federation of Rural Banks 1
Federation of Quezon Rural Banks 3
Pampanga Federation of Rural Banks 5
Laguna Federation of Rural Banks 10
Samahang Bangko Sentral ng Pangasinan 2
Federation of North Bicol Rural Banks 3
Rizal Federation of Rural Banks 3
Federation of Batangas Rural Banks 4

9. Rural Banks Federation
FEDERATION NO. OF SUBSCRIBERS
Federation of Metro Manila Rural Banks, Inc. 9
La Union 1
Davao Del Norte 1
CARAGA Rural Bankers Federation 1
Northwestern Mindanao Federation of Rural 1
Banks
TOTAL 46

10. Going Forward
• Positive Data Sharing
- antidote for overextension and multiborrowing
- pilot at Federations level (e.g. Laguna)
• SMS Inquiry
- for urgent inquiry in the field