BancoSol | MFIs in Bolivia

BancoSol5

Currency:

Institutional Characteristics

Institutional Characteristics
MFI name	BancoSol	BancoSol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Assets	721,699,412	728,763,826
OfficesOffices Number, including head office	70	—
+ PersonnelPersonnel Total number of staff members	2,048	—
+ Gender
Female	965	—

Financing Structure

Financing Structure
MFI name	BancoSol	BancoSol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	7.43%	8.43%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	12.45	10.87
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	91.58%	82.64%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	74.30%	66.74%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	81.13%	80.75%

Outreach Indicators

Outreach Indicators
MFI name	BancoSol	BancoSol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
As of date	2011-12-31	2011-12-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	169,251	—
+ Relationship
External customers	169,043	—
Management and staff	208	—
+ Gender
Male	87,825	—
Female	81,418	—
Legal entity	8	—
+ Location
Urban	147,445	—
Rural	21,806	—
Percent of female borrowers	48.10%	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	189,940	—
+ Methodology
Individual	189,940	—
Solidarity group	0	—
Village banking s h g	0	—
+ Delinquency
Less than one month	186,287	—
+ One month or more	—	—
From one to three months	400	—
+ More than three months	—	—
From three to six months	444	—
+ More than six months	—	—
From six to twelve months	1,087	—
One year or more	1,608	—
Renegotiated loans	114	—
+ Products (credit)
+ Retail loans	189,940	—
+ Household financing	55,433	—
Consumption	15,190	—
Mortgage housing	40,243	—
Microenterprise	134,507	—
+ Relationship
External customers	189,730	—
Management and staff	210	—
+ Location
Urban	165,756	—
Rural	24,184	—
+ Gender
Male	98,534	—
Female	91,389	—
Legal entity	17	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	585,550,127	588,508,438
+ Methodology
Individual	585,550,127	—
Solidarity group	0	—
Village banking s h g	0	—
+ Delinquency
Less than one month	580,770,594	—
+ One month or more	4,499,651	—
From one to three months	540,412	—
+ More than three months	3,959,239	—
From three to six months	565,786	—
+ More than six months	3,393,453	—
From six to twelve months	1,419,162	—
One year or more	1,974,291	—
Renegotiated loans	279,883	—
+ Products (credit)
+ Retail loans	585,550,127	—
+ Household financing	180,905,915	—
Consumption	21,751,875	—
Mortgage housing	159,154,040	—
Microenterprise	404,644,212	—
+ Relationship
External customers	585,387,725	—
Management and staff	162,402	—
+ Location
Urban	515,548,036	—
Rural	70,002,091	—
+ Gender
Male	330,394,807	—
Female	254,905,781	—
Legal entity	249,539	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	3,460	—
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	3,083	—
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	484,973	—
+ Products (deposits)
+ Retail deposits	—	—
Compulsory deposits	0	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	501,709	—
+ Products (deposits)
+ Retail deposits	—	—
Compulsory deposits	0	—
+ DepositsDeposits Total value of all deposit accounts	536,224,702	486,357,599
+ Products (deposits)
Deposits from corporations	299,717,270	—
Deposits from financial institutions	11,680,054	—
Deposits from governments	855,378	—
+ Retail deposits	223,972,000	—
+ Voluntary deposits	223,972,000	—
Demand deposits	176,944,000	—
Time deposits	47,028,000	—
Compulsory deposits	0	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	1,106	—
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	1,069	—
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	BancoSol	BancoSol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	2.23%	1.86%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	29.36%	23.35%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	121.80%	481.95%

Revenues

Revenues
MFI name	BancoSol	BancoSol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	15.51%	12.68%
Profit marginProfit margin Net Operating Income / Financial Revenue	17.90%	23.31%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	18.36%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	BancoSol	BancoSol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	12.74%	2.63%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	2.92%	2.63%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	1.67%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	8.15%	7.10%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	4.83%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	3.33%	—

Efficiency

Efficiency
MFI name	BancoSol	BancoSol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	10.23%	8.72%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	6.05%	—
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	340	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	305	—

Productivity

Productivity
MFI name	BancoSol	BancoSol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	83	—
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	93	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	206	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	232	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	237	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	245	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	40.04%	—

Risk And Liquidity

Risk And Liquidity
MFI name	BancoSol	BancoSol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
As of date	2011-12-31	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%	—
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.72%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.30%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	-0.03%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	821.96%	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	19.14%	14.71%

MFI Report

BancoSol5

Select i

Report Periodi

Report Typei

Compare to Benchmarksi

Global Partners