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

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

3. 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

4. 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

5. 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.