Banco De La Gente Emprendedora

BanGente5

Banco De La Gente Emprendedora

Currency:

Institutional Characteristics

Institutional Characteristics
MFI name	BanGente	BanGente
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Assets	138,256,025	140,815,814
OfficesOffices Number, including head office	14	—
PersonnelPersonnel Total number of staff members	468	—

Financing Structure

Financing Structure
MFI name	BanGente	BanGente
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
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	9.66%	10.28%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	9.35	8.73
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	99.30%	66.02%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	86.86%	59.81%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	87.47%	90.59%

Outreach Indicators

Outreach Indicators
MFI name	BanGente	BanGente
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
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	44,802	—
+ Gender
Male	21,831	—
Female	22,971	—
Legal entity	0	—
Percent of female borrowers	51.27%	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	44,802	—
+ Delinquency
Less than one month	44,378	—
+ One month or more	—	—
From one to three months	225	—
+ More than three months	—	—
From three to six months	145	—
+ More than six months	—	—
From six to twelve months	40	—
One year or more	0	—
Renegotiated loans	14	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	44,802	—
+ Household financing	0	—
Consumption	0	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	44,802	—
+ Gender
Male	21,831	—
Female	22,971	—
Legal entity	0	—
+ Methodology
Individual	16,485	—
Solidarity group	28,317	—
Village banking s h g	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	120,928,416	127,569,767
+ Delinquency
Less than one month	119,781,901	—
+ One month or more	1,108,395	—
From one to three months	606,836	—
+ More than three months	501,559	—
From three to six months	392,493	—
+ More than six months	109,066	—
From six to twelve months	109,066	—
One year or more	0	—
Renegotiated loans	38,120	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	120,928,416	—
+ Household financing	0	—
Consumption	0	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	120,928,416	—
+ Gender
Male	58,925,678	—
Female	62,002,737	—
Legal entity	0	—
+ Methodology
Individual	65,884,369	—
Solidarity group	55,044,047	—
Village banking s h g	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	2,699	—
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	2,699	—
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	98,816	—
+ Products (deposits)
Deposits from corporations	97	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	98,719	—
+ Voluntary deposits	98,719	—
Demand deposits	98,676	—
Time deposits	43	—
Compulsory deposits	0	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	164,660	—
+ Products (deposits)
Deposits from corporations	127	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	164,533	—
+ Voluntary deposits	164,533	—
Demand deposits	164,489	—
Time deposits	44	—
Compulsory deposits	0	—
+ DepositsDeposits Total value of all deposit accounts	120,084,567	84,226,744
+ Products (deposits)
Deposits from corporations	83,588,852	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	36,495,715	—
+ Voluntary deposits	36,495,715	—
Demand deposits	35,555,104	—
Time deposits	940,611	—
Compulsory deposits	0	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	1,215	—
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	729	—
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	BanGente	BanGente
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
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	2.60%	3.12%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	24.41%	31.60%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	108.31%	116.77%

Revenues

Revenues
MFI name	BanGente	BanGente
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
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	33.87%	32.93%
Profit marginProfit margin Net Operating Income / Financial Revenue	7.67%	10.53%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	37.48%	24.09%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	BanGente	BanGente
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
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	31.27%	28.20%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	6.86%	8.14%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	2.04%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	22.37%	20.06%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	14.91%	12.83%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	7.46%	7.24%

Efficiency

Efficiency
MFI name	BanGente	BanGente
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
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	24.95%	22.61%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	16.64%	14.45%
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	570	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	570	—

Productivity

Productivity
MFI name	BanGente	BanGente
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
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	96	—
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	96	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	191	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	191	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	211	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	352	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	50.00%	—

Risk And Liquidity

Risk And Liquidity
MFI name	BanGente	BanGente
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
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	0.95%	—
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.45%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	1.33%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	1.14%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	266.40%	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	10.32%	7.77%

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Banco De La Gente Emprendedora

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