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N Mg Boost

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RuiDomingues

The document shows net margin and interest rate indicators from September 2008 to November 2009. From March 2009 onward, several actions were taken to boost net margins, including freezing internal Euribor rates, increasing spreads, and limiting applications from big players. These actions were successful, as net margins increased after March 2009 compared to before.

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Net Margin BOOST April 09 to November 09
Indicators Sep08/Mar09 2,25% 2,25% 3,50% 4,50% 5,25% 5,25% 5,25% Euribor Int 1,92% 2,16% 2,95% 3,86% 4,79% 5,41% 5,17% Euribor 6M -0,12% 0,58% 1,17% 1,72% -0,31% 0,82% 2,56% Net Margin 2,80% 3,27% 3,65% 3,78% 1,78% 2,79% 4,58% Gross Margin 6,22% 6,43% 6,55% 6,36% 9,52% 7,78% 5,74% CoF 9,02% 9,70% 10,20% 10,14% 11,30% 10,57% 10,32% Yeald MAR FEB JAN DEC NOV OCT SEP 2009 2008
Margins before March 2009
ACTIONS Freeze Internal Euribor Increase spreads by 50 Bps to 100 Bps Increase Insurance ratio on Applications Limits on Big Players Applications
Indicators Apr09/Nov09 2,25% 2,25% 2,25% 2,25% 2,25% 2,25% 2,25% 2,25% Euribor Int 1,00% 1,02% 1,08% 1,14% 1,30% 1,46% 1,55% 1,66% Euribor 6M 4,57% 3,53% 2,60% 2,04% 1,74% 1,41% 0,18% -0,46% Net Margin 6,17% 5,22% 4,53% 3,77% 3,96% 4,17% 2,88% 2,35% Gross Margin 3,63% 3,56% 3,69% 4,08% 4,50% 5,08% 6,34% 6,86% CoF 9,80% 8,78% 8,22% 7,85% 8,46% 9,25% 9,22% 9,21% Yeald NOV OCT SEP AUG JUL JUN MAY APR 2009
Margins after March 2009
IMPACTS NMg Boost NMg Boost

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N Mg Boost

  • 1. Net Margin BOOST April 09 to November 09
  • 2. Indicators Sep08/Mar09 2,25% 2,25% 3,50% 4,50% 5,25% 5,25% 5,25% Euribor Int 1,92% 2,16% 2,95% 3,86% 4,79% 5,41% 5,17% Euribor 6M -0,12% 0,58% 1,17% 1,72% -0,31% 0,82% 2,56% Net Margin 2,80% 3,27% 3,65% 3,78% 1,78% 2,79% 4,58% Gross Margin 6,22% 6,43% 6,55% 6,36% 9,52% 7,78% 5,74% CoF 9,02% 9,70% 10,20% 10,14% 11,30% 10,57% 10,32% Yeald MAR FEB JAN DEC NOV OCT SEP 2009 2008
  • 4. ACTIONS Freeze Internal Euribor Increase spreads by 50 Bps to 100 Bps Increase Insurance ratio on Applications Limits on Big Players Applications
  • 5. Indicators Apr09/Nov09 2,25% 2,25% 2,25% 2,25% 2,25% 2,25% 2,25% 2,25% Euribor Int 1,00% 1,02% 1,08% 1,14% 1,30% 1,46% 1,55% 1,66% Euribor 6M 4,57% 3,53% 2,60% 2,04% 1,74% 1,41% 0,18% -0,46% Net Margin 6,17% 5,22% 4,53% 3,77% 3,96% 4,17% 2,88% 2,35% Gross Margin 3,63% 3,56% 3,69% 4,08% 4,50% 5,08% 6,34% 6,86% CoF 9,80% 8,78% 8,22% 7,85% 8,46% 9,25% 9,22% 9,21% Yeald NOV OCT SEP AUG JUL JUN MAY APR 2009
  • 7. IMPACTS NMg Boost NMg Boost