WORKSHEET

As of : December 31, 2016 Type : (Agri = 1; Non-Agri = 2)

LC : Davao Lending Center
Name of Cooperative: Financial Statement/s Used:
Address:
Date Accomplished:
Classification: LARGE (More than P100M)
PARTICULARS Type of Coop
Agri Coop Both
1 No. of Members :
Regular ......................
Associate ......................
Total
2 No. Members who patronize coop services (reg & asso) . . 3,229
3 No. of members with CBU (reg & asso) . . . . . . .. . . . . . . 4,820
4 No. of members with deposit in coop(reg & asso).. . . . . . . 3,374
5 No. of BODs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
6 Qualification of BODs (indicate A, B or C) . . . . . . . . . . A
7 No. of BOD meetings during the period:
Regular monthly . . . . . . . . . . . . . . . . . . . 12
Special . . . . . . . . . . . . . . . . . . . . . . . . . . 5
8 No. of BODs who patronize coop business . . . . . . . . . 7
9 Completeness of COMAT (indicate A, B or C) . . . . . . . . . A
10 Educ/Trng Experience of COMAT (indicate A, B or C) . . . A
11 Educ/Trng Experience of Committees (indicate A, B or C) A
12 No. of trngs attended by the officers or COMAT or Comm 10
13 Coop Plans and Programs (indicate A, B or C) A
14 Performance Review (indicate A, B or C) A
15 Policies System & Procedures (indicate A, B or C) A
16 Books of Accounts (indicate A, B or C) A
17 Number of Economic Activities of the coop . . . . . . . . . 6
18 Business Plan (indicate A, B or C) . . . . . . . . . . . . . . . A
19 No. of providential services to members . . . . . . . . . . . 6
20 Affiliation (indicate A, B or C) . . . . . . . . . . . . . . . . . . .
21 FS Figures
a) Current Year
Total Assets
Current Assets
Risk Assets
Total Liabilities
Current Liabilities
Total Networth
Total O/S loan receivable
Total PD loans inclusive of ITL
Total Valuation Reserves
Total CBU
Total MSO
Gross Income
Net Income
WORKSHEET
As of : December 31, 2016 Type : (Agri = 1; Non-Agri = 2)
LC : Davao Lending Center
Name of Cooperative: Financial Statement/s Used:
Address:
Date Accomplished:
Classification: LARGE (More than P100M)
PARTICULARS Type of Coop
Agri Coop Both
Total Gross Sales thru an institutional buyer . .
Sales Income generated with an institutional buyer .

b) Previous Year
Total Assets
Total CBU
Total MSO

22 ADC during the year (coop to LandBank)

23 ADC Collection during the year (coop to LandBank)
24 NYD Collection during the year (coop to LandBank)
25 Total releases during the year (LandBank to coop)
26 Approve Credit Line
27 Coop has deposit account with LBP (yes or no) yes
28 ADB of Deposits with LBP
29 ALB of loans with LBP
30 Coop has investment account with LBP (yes or no) NO
31 Inflation rate as of Cut-off date (%) 1.50%
 2

31-Dec-16

Coop
Non-Agri Coop

1,162
3,658
4,820
9
0
4

861,875,317.00
541,227,631.00
826,486,707.00
395,263,700.00
391,149,080.00
466,611,617.00
605,919,060.00
63,680,612.23
18,345,083.31
372,113,739.00
230,308,146.00
105,084,307.00
53,025,819.00
 2

31-Dec-16

Coop
Non-Agri Coop
-
-

690,802,769.00
336,699,291.00
161,064,211.00

29,946,129.06
100,760,091.80
88,780,757.92
156,259,552.00
150,000,000.00

19,016,000.00
110,076,000.00

%
COOPERATIVE CATEGORIZATION SCORING WORKSHEET
As of : December 31, 2016
Type : (Agri = 1; Non-Agri = 2) 2
Name of Cooperative: LC : Davao Lending Center
Address: Financial Statement/s Used: 31-Dec-16
Date Accomplished: Maturity Level : A
Classification: Asset Size - LARGE (More than 100M) 96.66
POINTS PERFORMANCE Actual Points
MAJOR INDICATORS Min Std Max Min Std Max Feature Earned

A. ORGANIZATION AND MANAGEMENT 7.500 30.000 37.500 34.881

A.1 Membership
a. Membership Size 0.750 3.000 3.750 500 1,000 10,000 1,162 3.014
b. Patronage of Business 0.250 1.000 1.250 80% 90% 100% 67% 0.000
c. Participation of members in:
o CBU generation 0.125 0.500 0.625 50% 70% 100% 100% 0.625
o Savings mobilization 0.125 0.500 0.625 70% 90% 100% 70% 0.125
A.2 Capital Build-up Generation/Savings Mobilization
a. Capital Build-up 0.375 1.500 1.875 1,000 2,500 10,000 7,347.40 1.742
b. Savings Mobilization 0.375 1.500 1.875 3,500 7,500 15,000 57,998.27 1.875

A.3 Leadership and Management

a. Board of Directors
1. Education/Training/Experience 0.500 2.000 2.500 A 2.500
(Please enter in the Actual Feature column
the applicable code listed below)
A - Majority of the BODs have post-graduate
studies OR majority of the BODs have more
than 5 years experience in coop operation
and/or related business
B - All BOD members are college graduates OR
all BOD members have 5 years experience in
coop operation and/or related business
C - Majority of the BODs are college graduates OR
majority of the BODs have 5 years experience
in coop operation nad/or related business
2. Regular Meetings 0.250 1.000 1.250
o No. of monthly meetings 6 12 12 1.000
o No. of Special Board meetings 1 4 5 0.250
3. Patronage of Business 0.250 1.000 1.250 90% 95% 100% 100% 1.250

b. Core Management Team (COMAT)

1. Presence of complete COMAT 0.375 1.500 1.875 A 1.875
(Please enter in the Actual Feature column
the applicable code listed below)
A - Full-time Manager, Cashier/Treasurer,
Bookkeeper/Accountanat and with qualified
back-up
B - Full-time Manager, Cashier/Treasurer and
Bookkeeper/ Accountant
C - Part-time Manager and Bookeeper/Accountant
2. Education/Training/Experience 0.625 2.500 3.125 A 3.125
(Please enter in the Actual Feature column
the applicable code listed below)
A - All COMAT members are college graduates
AND with 5 years experience in coop
operation and/or related business
B - All COMAT members are college level AND
with 5 years experience in coop operation
and/or related business
C - Majority of the COMAT members are college
level AND with 5 years experience in coop
operation and/or related business
c. Committees
1. Education/Training/Experience 0.750 3.000 3.750 A 3.750
(Please enter in the Actual Feature column
the applicable code listed below)
A - Majority of the committee members have
 POINTS PERFORMANCE Actual Points
MAJOR INDICATORS Min Std Max Min Std Max Feature Earned
post-graduate studies OR majority of the
committee members have more than 5 years
experience in coop operation and/or related
business
B - All committee members are college graduates
OR all committee members have 5 years
experience in coop operation and/or related
business
C - Majority of the committee members are
college graduates OR majority of the
committee members have more than 5 years
experience in coop operation and/or related
business
A.4 Continuing Education and Skills Development 0.500 2.000 2.500 4 8 9 10 2.500
A.5 Plans and Programs
a. Presence of Plans and Programs 0.375 1.500 1.875 A 1.875
(Please enter in the Actual Feature column
the applicable code listed below)
A - With Annual Plan, Annual Budget, VMG and
5- year MTDP
B - With Annual Plan, Annual Budget, VMG and
3-year MTDP
C - With Annual Plan, Annual Budget and VMG
b. Internal Performance Review 0.375 1.500 1.875 A 1.875
(Please enter in the Actual Feature column
the applicable code listed below)
A - Monthly review by the BOD, COMAT and
committees
B - Monthly review by the BOD and COMAT and
quarterly review by the committees
C - Quarterly review by the BOD, COMAT and
committees
A.6 Policies, Systems and Procedures (PSPs) 0.750 3.000 3.750 A 3.750
(Please enter in the Actual Feature column
the applicable code listed below)
A - With Manual of Operations
B - Installed and implemented prescribed policies on:
- Membership
- Capital build-up (CBU)
- Savings deposit
- Loaning/credit
- Records keeping
- Time deposit
- Asset/liability
- Accounting
- Internal control
- Hiring, promotion and dismissal
- Staff development
- Compensation/benefits
- Performance appraisal
- Job description
C - Installed and implemented prescribed policies on:
- Membership
- Capital build-up (CBU)
- Savings deposit
- Loaning/credit
- Records keeping
A.7 Books of Accounts (BOAs) 0.750 3.000 3.750 A 3.750
(Please enter in the Actual Feature column
the applicable code listed below)
A - Computerized BOAs
B - With installed BOAs, e.g. General Ledger (GL),
Subsidiary Ledger (SL), Cash Receipts Book
(CRB) & Cash Bisbursements Book (CBD),
and updated monthly
C - With installed BOAs, e.g. GL, SL, CRB & CBD
and updated bi-monthly
B. BUSINESS OPERATION 7.500 30.000 37.500 21.28
 POINTS PERFORMANCE Actual Points
MAJOR INDICATORS Min Std Max Min Std Max Feature Earned
B.1 Livelihood/Enterprise
a. Volume of Business 1.250 5.000 6.250 15.00 100.00 350.00 105.08 5.025
b. Number of Business Enterprises 1.250 5.000 6.250 3 6 15 6 5.000
B.2 Business Plans 0.750 3.000 3.750 A 3.750
(Please enter in the Actual Feature column
the applicable code listed below)
A - All projects have medium-term plans (at least
5 years)
B - Majority of projects have medium-term plans
(at least 5 years)
C - All projects have medium-term plans (at least
3 years)
B.3 Providential Services 1.500 6.000 7.500 1 3 4 6 7.500
B.4 Market Linkaging
a. Marketing Agreements/Linkages with
Institutional Buyers 1.000 4.000 5.000 2.0 5.0 6.25 0.00 0.000
b. Business Alliance Membership 1.000 4.000 5.000 0.10 1.00 0.00 0.000
B.5 Affiliation to Federation/Other Organizations 0.750 3.000 3.750 0 0.000
(Please enter in the Actual Feature column
the applicable code listed below)
A - Member of a secondary cooperative, which is
a member of a tertiaty coop/federation
B - Active member of a secondary cooperative/
federation
C - With alliances/linkages with other primary
cooperatives
C. FINANCIAL AND LOAN PORTFOLIO 9.750 40.000 48.750 40.50

C.1 Financial Ratios

a. Debt-Equity Ratio (DER) 1.250 5.000 6.250 6.00 2.00 1.00 0.85 6.250
b. Liquidity Ratio 1.250 5.000 6.250 1.00 2.50 3.00 1.38 2.209
c. Profitability Ratio
c.1 Return on Equity (ROE) 0.625 2.500 3.125 1.00% 10.00% 12.50% 11.36% 2.841
c.2 Return on Assets (ROA) 0.625 2.500 3.125 -4.00% 0.00% 10.00% 6.83% 2.833
c.2.1 Inflation Rate (IR) 1.50%
c.2.2 ROA - IR 5.33%
d. Past Due Ratio 1.250 5.000 6.250 25.00% 15.00% 3.75% 7.48% 6.871
e. Risk Assets Ratio 1.250 5.000 6.250 7.50% 10% 12.50% 8.00% 2.000

C.2 Relationship with LBP

a. Loan Repayment Rate 1.500 6.000 7.500 90.0% 95.0% 100% 100.00% 7.500
b. Credit Line Availment Rate 1.250 5.000 6.250 90.0% 95.0% 100% 146.00% 6.250
c. Deposits 0.750 3.000 3.750 5% 3.750
c.1 Please enter YES if coop has savings yes
account with LBP; if none, enter NO
c.2 Actual ALB 110.76
c.3 Actual ADB Deposits 19.02
c.4 Deposits to Loan Ratio 17.17%
d. Investments 1.000 NO 0.000
(Please enter YES if coop has investments
with LBP; if none, enter NO)

TOTAL 24.75 100.00 123.75 96.66

ML CLASSIFICATION A

Prepared by: Reviewed by: Noted by:

Account Assistant Account Officer Head, Cebu Lending Center