Credit Bureau Manager Mr. Manuel Batallones shares how credit bureau helps the banks in mitigating the risk of getting bororwers with negative credit history during the 2012 RBAP-MABS National Roundtable Conference on June 8.

1. Session
5:
Using
the
Credit
Bureau:
Experience
from
the
Field
Manolet Batallones
BAP-Credit Bureau
2012 RBAP-MABS National Roundtable Conference
June 7-8, 2012
Hyatt Hotel & Manila

2.
2012
RBAP-­‐MABS
NATIONAL
ROUNDTABLE
Hya$
Hotel,
Malate,
Manila
June
7-­‐8,
2012
BAP Credit Bureau, Inc. - CONFIDENTIAL

3. OUR SERVICES
Primary Services
• Positive Loan Data Exchange (Loandex) – Individual and
Corporate
• Positive Data Sharing (PoDS) – Consumer loans
• Negative File Information System (NFIS) – Individual and
Corporate
Complementary Services
• Real Property Database System (RPDS)
• Title Check Caution List Database (TCLD)
Outsource Services
• Microfinance Credit Bureau (MiDAS) for Microfinance
Institutions
• Bank Certificate Verification System (BCVS) for the British
Embassy
• Customer Profile Registration System (CPRS) for the Bureau
of Customs’ payment system
• SafeTNet for the Philippine Finance Association
BAP Credit Bureau, Inc. - CONFIDENTIAL

4. BAPCB-RBAP PARTNERSHIP
Early
Stages
Circa
2002-­‐2003
TesOng
NFIS
in
Mindanao
MOA
with
RBAP
dated
May
31,
2004
for
Rural
Banks
to
Gain
Access
to
the
NFIS

5. NFIS FEATURES
•
Internet
Based
/
Accessible
NaOonwide
•
Employ
a
world
class
name
search
engine
•
Automated
matching
process
—
TAT
–
within
5
minutes
—
Maybe
enabled
24/7
operaOons
•
Secured:
Firewall
protected,
128
bit
SSL,
User
IDs
and
passwords,
IP
Locking,
etc.

6. NFIS FEATURES
•
Allows
mulOple
users
per
Subscriber
•
Provides
Subscribers
with
a
Data
Management
Module,
“My
Database”
and
“Messaging”
•
New
Features
§
Similar
Names
Inquired
Previously
(SNIP)

7. NFIS FAST FACTS
•
Average
Daily
Inquiries:
17,000
to
20,000
per
day.
• Rural
Banks
Inquiry
͌ less
than
1%.
• Compiled
over
4.5
million
records;
CCC-­‐62%,
ADV-­‐18%,
CIH-­‐6%,
Court
Cases-­‐14%.
• Rural
Banks
shared
50,
000
adverse
records.
• Processing
fee
reduced
to
P5/inquiry
in
2011.
BAP Credit Bureau, Inc. - CONFIDENTIAL

8. NFIS SUBSCRIBERS
Total - 199 (as of June 07, 2012)
*11 Inactive Rural Banks

9. NFIS SUBSCRIBERS
YEAR ENROLLED ACTIVE RURAL INQUIRIES
RURAL BANKS BANKS
2007 14 13 4,892
2008 15 13 12,370
2009 17 15 12,560
2010 34 22 10,248
2011 79 50 43,647

10. BENEFITS TO RBs
•
Strengthen
Credit
Risk
Management
Process
•
Provides
System
for
NegaOve
Data
Sharing
System
within
a
Community
of
Credit
Grantors.
•
PosiOve
CollecOon
Results
from
Adverse
Delinquent
Accounts.

11. OBSERVED TRENDS
• Borrowers
with
poor
repayment
history
are
agempOng
to
borrow
from
rural
banks
who
are
not
NFIS
subscribers.
• Public
awareness
of
the
existence
of
the
NFIS
and
its
effect
on
their
banking
relaOonship.
• Borrowers
are
repaying
their
outstanding
loan
accounts
to
update
their
NFIS
records
in
order
to
re-­‐establish
bank
dealings
and
relaOonships.

12. TRENDS
• Banks
have
incorporated
the
NFIS
in
their
credit
risk
management
process
Banks
have
automated
their
NFIS
inquiry
•
process,
linking
bank
systems
with
the
NFIS
• Adverse
Loan
reports
reveal
a
growing
number
of
negaOve
data
reported
from
the
provinces.
• Quality
of
Reports
on
Adverse
Loan
accounts
have
improved
in
the
past
2
years.

13. Thank You
BAP Credit Bureau, Inc. - CONFIDENTIAL