AMRET Co. Ltd. - formerly EMT

AMRET4

AMRET Co. Ltd. - formerly EMT

Currency:

Institutional Characteristics

Institutional Characteristics
MFI name	AMRET	AMRET
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Assets	119,743,359	—
OfficesOffices Number, including head office	60	62
+ PersonnelPersonnel Total number of staff members	1,693	1,911
+ Gender
Male	1,253	1,441
Female	440	470

Financing Structure

Financing Structure
MFI name	AMRET	AMRET
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	22.39%	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	3.47	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	42.62%	45.29%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	35.33%	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	82.90%	—

Outreach Indicators

Outreach Indicators
MFI name	AMRET	AMRET
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
As of date	2011-12-31	2012-03-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	247,006	270,563
+ Relationship
External customers	246,990	—
Management and staff	16	—
+ Gender
Male	43,412	48,179
Female	203,594	222,384
Legal entity	0	—
+ Location
Urban	4,423	—
Rural	242,583	—
Percent of female borrowers	82.42%	82.19%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	266,914	—
+ Delinquency
Less than one month	266,571	—
+ One month or more	—	—
From one to three months	63	—
+ More than three months	—	—
From three to six months	61	—
+ More than six months	—	—
From six to twelve months	219	—
One year or more	0	—
Renegotiated loans	0	—
+ Location
Urban	4,523	—
Rural	262,391	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	266,914	—
+ Household financing	13,820	—
Consumption	7,466	—
Education	496	—
Mortgage housing	5,858	—
Household other	0	—
Microenterprise	253,094	—
+ Relationship
External customers	266,898	—
Management and staff	16	—
+ Methodology
Individual	62,315	—
Solidarity group	204,599	—
Village banking s h g	0	—
+ Gender
Male	46,787	—
Female	220,127	—
Legal entity	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	99,269,823	112,625,125
+ Delinquency
Less than one month	99,196,386	—
+ One month or more	73,438	58,175
From one to three months	18,544	—
+ More than three months	54,894	—
From three to six months	14,744	—
+ More than six months	40,150	—
From six to twelve months	40,150	—
One year or more	0	—
Renegotiated loans	0	—
+ Location
Urban	7,712,375	—
Rural	91,557,448	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	99,269,823	—
+ Household financing	12,101,092	—
Consumption	5,528,981	—
Education	286,893	—
Mortgage housing	6,285,218	—
Household other	0	—
Microenterprise	87,168,732	—
+ Relationship
External customers	99,250,107	—
Management and staff	19,716	—
+ Methodology
Individual	58,002,334	—
Solidarity group	41,267,489	—
Village banking s h g	0	—
+ Gender
Male	26,509,873	—
Female	72,759,950	—
Legal entity	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	402	416
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	—	—
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	372	—
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	34,973	52,227
+ Gender
Male	19,138	24,663
Female	22,079	27,564
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	34,973	—
+ Voluntary deposits	34,973	—
Demand deposits	31,603	—
Time deposits	3,370	—
Compulsory deposits	0	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	41,217	—
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	41,217	—
+ Voluntary deposits	41,217	—
Demand deposits	35,812	—
Time deposits	5,405	—
Compulsory deposits	0	—
+ DepositsDeposits Total value of all deposit accounts	42,306,854	51,008,024
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	42,306,854	—
+ Voluntary deposits	42,306,854	—
Demand deposits	5,816,948	—
Time deposits	36,489,906	—
Compulsory deposits	0	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	1,210	977
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita Average Deposit Balance per Depositor / GNI per Capita	—	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	1,026	—
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	—	—

Overall Financial Performance

Overall Financial Performance
MFI name	AMRET	AMRET
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	5.70%	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	24.56%	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	138.71%	—

Revenues

Revenues
MFI name	AMRET	AMRET
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	25.52%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	27.90%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	31.37%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	AMRET	AMRET
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	18.40%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	6.46%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	-0.39%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	12.33%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	6.74%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	5.58%	—

Efficiency

Efficiency
MFI name	AMRET	AMRET
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	15.36%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	8.40%	—
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	52	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	51	—

Productivity

Productivity
MFI name	AMRET	AMRET
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	146	142
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	158	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	307	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	332	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	21	27
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	24	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	47.49%	—

Risk And Liquidity

Risk And Liquidity
MFI name	AMRET	AMRET
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
As of date	2011-12-31	2012-03-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	0.07%	0.05%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.06%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.40%	0.08%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	-0.07%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	100.00%	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	13.27%	—

MFI Report

AMRET4

AMRET Co. Ltd. - formerly EMT

Select i

Report Periodi

Report Typei

Compare to Benchmarksi

Global Partners