Asociación de Oportunidad y Desarrollo Económico de Nicaragua

ASODENIC3

Asociación de Oportunidad y Desarrollo Económico de Nicaragua

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Institutional Characteristics

Institutional Characteristics
MFI name	ASODENIC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-12-31
Assets	5,439,714
OfficesOffices Number, including head office	18
PersonnelPersonnel Total number of staff members	234

Financing Structure

Financing Structure
MFI name	ASODENIC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	47.37%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	26.10%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	21.27%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	81.50%

Outreach Indicators

Outreach Indicators
MFI name	ASODENIC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-12-31
As of date	2011-12-31
Currency	USD
Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	25,180
Percent of female borrowers	—
Number of loans outstandingNumber of loans outstanding Number of loans outstanding	25,381
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	4,433,409
+ Delinquency
Less than one month	3,574,529
+ One month or more	—
From one to three months	70,257
+ More than three months	—
From three to six months	6,186
+ More than six months	—
From six to twelve months	782,437
One year or more	0
Renegotiated loans	0
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	176
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	175
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	—
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	20,020
DepositsDeposits Total value of all deposit accounts	1,156,991
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	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	58
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	ASODENIC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	7.30%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	15.55%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	114.65%

Revenues

Revenues
MFI name	ASODENIC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	57.11%
Profit marginProfit margin Net Operating Income / Financial Revenue	12.78%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	61.15%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—

Expenses

Expenses
MFI name	ASODENIC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	49.81%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	0.30%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.31%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	49.20%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	26.75%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	22.44%

Efficiency

Efficiency
MFI name	ASODENIC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	60.65%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	32.98%
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	104
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	104

Productivity

Productivity
MFI name	ASODENIC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	108
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	108
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	187
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	188
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	86
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	57.69%

Risk And Liquidity

Risk And Liquidity
MFI name	ASODENIC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-12-31
As of date	2011-12-31
Currency	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	19.37%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	17.79%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	-122.23%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—

MFI Report

ASODENIC3

Asociación de Oportunidad y Desarrollo Económico de Nicaragua

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