1. Reducing Past Due Ratio An Extra Mile

2. Some Ideas Target a realistic goal to reduce past due in absolute amount or percentage. For example – reduce past due from 38% to 28% within 6 mos. In absolute amount, from P3.8 million to P2.8 million. Rank the past due in terms of absolute amounts – Outstanding past due broken down in terms of Principal, Advances, Interest, and Penalties. Indicate per cent to total past due. If you can indicate major cause/s of past due.

3. Some Ideas……. Analyze major cause/s of past due. - Could you prioritize causes in terms of seriousness or gravity? - Could you indicate under remarks column any solution/s in sight? If you dont know, consult the AO supervising the account.

4. Some Ideas……. Classify the past due accounts according to the causes identified. Brainstorm with the AOs possible ways of reducing past due: - Do the borrowers need a little time to settle the account? - Will reamortizing the loan balance help client pay the loan?

5. Some Ideas……. - Giving incentives to fully or substantially) paying the past due with proportionate reduction in penalties. - Mass restructuring of accounts with the new terms being approved by the board. - Using moral suasion in a collection campaign. - Appealing to whatever will move them to pay.

6. Some Ideas……. Give incentives to bank staff through a collection campaign. Implement and measure results. Review and see where improvements could be done. Review policy changes that should be effected based on causes of past due identified.