Alternativa 19 del Sur3

Alternativa 19 del Sur, S.A. de C.V. SOFOM E.N.R.

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Institutional Characteristics
Institutional Characteristics
MFI name Alternativa 19 del Sur Alternativa 19 del Sur
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

- 3
Currency USD USD
Fiscal year 2011 2011
Period type QTR ANN
As of date 2011-06-30 2011-12-31
Assets 26,104,488
OfficesOffices

Number, including head office

23
PersonnelPersonnel

Total number of staff members

354
Financing Structure
Financing Structure
MFI name Alternativa 19 del Sur Alternativa 19 del Sur
Annual DiamondsAnnual Diamonds

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- 3
Currency USD USD
Fiscal year 2011 2011
Period type QTR ANN
As of date 2011-06-30 2011-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

64.01%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

0.56
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

0.00% 0.00%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

0.00%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

62.75%
Outreach Indicators
Outreach Indicators
MFI name Alternativa 19 del Sur Alternativa 19 del Sur
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2011 2011
Period type QTR ANN
As of date 2011-06-30 2011-12-31
As of date 2011-06-30 2011-12-31
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

24,969 113,135
98,427
Percent of female borrowers 87.00%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

113,135
0
113,135
0
0
0
0
0
113,135
1,161
111,974
0
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

14,233,306 16,381,759
16,215,280
116,590 166,479
162,030
4,450
4,450
0
0
0
0
16,381,759
0
0
0
0
0
16,381,759
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

570 145
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

5.46%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

145
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

0 0
0
0
0
0
0
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

0
0
0
0
0
0
+ DepositsDeposits

Total value of all deposit accounts

0 0
0
0
0
0
0
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

Overall Financial Performance
Overall Financial Performance
MFI name Alternativa 19 del Sur Alternativa 19 del Sur
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2011 2011
Period type QTR ANN
As of date 2011-06-30 2011-12-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

Operational self sufficiencyOperational self sufficiency

Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)

Revenues
Revenues
MFI name Alternativa 19 del Sur Alternativa 19 del Sur
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2011 2011
Period type QTR ANN
As of date 2011-06-30 2011-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

Profit marginProfit margin

Net Operating Income / Financial Revenue

Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

Yield on gross portfolio (real)Yield on gross portfolio (real)

(Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)

Expenses
Expenses
MFI name Alternativa 19 del Sur Alternativa 19 del Sur
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2011 2011
Period type QTR ANN
As of date 2011-06-30 2011-12-31
Total expense/ assetsTotal expense/ assets

(Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets

Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

Efficiency
Efficiency
MFI name Alternativa 19 del Sur Alternativa 19 del Sur
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2011 2011
Period type QTR ANN
As of date 2011-06-30 2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

Productivity
Productivity
MFI name Alternativa 19 del Sur Alternativa 19 del Sur
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2011 2011
Period type QTR ANN
As of date 2011-06-30 2011-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

320
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

320
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

438 1,571
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

1,571
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

0
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

0
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

20.34%
Risk And Liquidity
Risk And Liquidity
MFI name Alternativa 19 del Sur Alternativa 19 del Sur
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2011 2011
Period type QTR ANN
As of date 2011-06-30 2011-12-31
As of date 2011-06-30 2011-12-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

0.82% 1.02%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio

0.03%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.00% 0.00%
Loan loss rateLoan loss rate

(Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio

0.00%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

143.72%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

15.76%