CARD Bank, Inc.

CARD Bank4

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Institutional Characteristics

Institutional Characteristics
MFI name	CARD Bank	CARD Bank	CARD Bank	CARD Bank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Assets	78,672,755	78,672,755	—	—
OfficesOffices Number, including head office	372	372	—	—
+ PersonnelPersonnel Total number of staff members	1,661	1,661	—	—
+ Gender
Female	825	—	—	—

Financing Structure

Financing Structure
MFI name	CARD Bank	CARD Bank	CARD Bank	CARD Bank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	17.82%	17.82%	—	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	4.61	4.61	—	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	75.66%	75.66%	75.85%	75.85%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	58.89%	58.89%	—	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	77.83%	77.83%	—	—

Outreach Indicators

Outreach Indicators
MFI name	CARD Bank	CARD Bank	CARD Bank	CARD Bank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Currency	USD	USD	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	311,380	311,380	576,974	576,974
+ Location
Urban	272,335	—	—	—
Rural	39,045	—	—	—
+ Gender
Male	42,050	—	—	—
Female	269,330	—	—	—
Legal entity	0	—	—	—
Percent of female borrowers	86.50%	86.50%	—	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	466,857	466,857	—	—
+ Gender
Male	63,047	—	—	—
Female	403,810	—	—	—
Legal entity	0	—	—	—
+ Products (credit)
Loans to corporations	0	—	—	—
Loans to financial institutions	0	—	—	—
Loans to governments	0	—	—	—
+ Retail loans	466,857	—	—	—
+ Household financing	169,652	—	—	—
Consumption	6,529	—	—	—
Education	19,916	—	—	—
Mortgage housing	0	—	—	—
Household other	143,207	—	—	—
Microenterprise	297,205	—	—	—
+ Location
Urban	408,316	—	—	—
Rural	58,541	—	—	—
+ Methodology
Individual	466,857	—	—	—
Solidarity group	0	—	—	—
Village banking s h g	0	—	—	—
+ Delinquency
Less than one month	452,330	—	—	—
+ One month or more	—	—	—	—
From one to three months	2,155	—	—	—
+ More than three months	—	—	—	—
From three to six months	2,612	—	—	—
+ More than six months	—	—	—	—
From six to twelve months	3,244	—	—	—
One year or more	6,516	—	—	—
Renegotiated loans	0	—	—	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	61,233,539	61,233,539	61,233,539	61,233,539
+ Gender
Male	996,085	—	—	—
Female	60,237,454	—	—	—
Legal entity	0	—	—	—
+ Products (credit)
Loans to corporations	0	—	—	—
Loans to financial institutions	0	—	—	—
Loans to governments	0	—	—	—
+ Retail loans	61,233,539	—	—	—
+ Household financing	11,485,235	—	—	—
Consumption	632,467	—	—	—
Education	1,676,182	—	—	—
Mortgage housing	0	—	—	—
Household other	9,176,585	—	—	—
Microenterprise	49,748,304	—	—	—
+ Location
Urban	53,555,352	—	—	—
Rural	7,678,187	—	—	—
+ Methodology
Individual	61,233,539	—	—	—
Solidarity group	0	—	—	—
Village banking s h g	0	—	—	—
+ Delinquency
Less than one month	59,539,296	—	—	—
+ One month or more	1,694,243	—	—	—
From one to three months	281,125	—	—	—
+ More than three months	1,413,118	—	—	—
From three to six months	347,791	—	—	—
+ More than six months	1,065,328	—	—	—
From six to twelve months	387,128	—	—	—
One year or more	678,200	—	—	—
Renegotiated loans	0	—	—	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	197	197	106	106
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	131	131	—	—
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	603,377	603,377	603,377	603,377
+ Products (deposits)
Retail deposits	603,377	—	—	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	603,377	603,377	—	—
+ Products (deposits)
Retail deposits	603,377	—	—	—
+ DepositsDeposits Total value of all deposit accounts	46,332,314	46,332,314	46,444,710	46,444,710
+ Products (deposits)
Deposits from corporations	0	—	—	—
Deposits from financial institutions	0	—	—	—
Deposits from governments	0	—	—	—
+ Retail deposits	46,332,314	—	—	—
+ Voluntary deposits	14,615,019	—	—	—
Demand deposits	804,890	—	—	—
Time deposits	13,810,130	—	—	—
Compulsory deposits	31,717,295	—	—	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	77	77	77	77
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	77	77	—	—
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	CARD Bank	CARD Bank	CARD Bank	CARD Bank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	5.37%	5.37%	—	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	34.49%	34.49%	—	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	126.78%	126.78%	—	—

Revenues

Revenues
MFI name	CARD Bank	CARD Bank	CARD Bank	CARD Bank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	39.72%	39.72%	—	—
Profit marginProfit margin Net Operating Income / Financial Revenue	21.12%	21.12%	—	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	48.55%	48.55%	—	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—	—	—

Expenses

Expenses
MFI name	CARD Bank	CARD Bank	CARD Bank	CARD Bank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	31.33%	31.33%	—	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	3.24%	3.24%	—	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	1.68%	1.68%	—	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	26.41%	26.41%	—	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	12.31%	12.31%	—	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	14.10%	14.10%	—	—

Efficiency

Efficiency
MFI name	CARD Bank	CARD Bank	CARD Bank	CARD Bank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	33.66%	33.66%	—	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	15.69%	15.69%	—	—
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	49	49	—	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	45	45	—	—

Productivity

Productivity
MFI name	CARD Bank	CARD Bank	CARD Bank	CARD Bank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	187	187	—	—
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	281	281	—	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	310	310	—	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	465	465	—	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	363	363	—	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	363	363	—	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	60.51%	60.51%	—	—

Risk And Liquidity

Risk And Liquidity
MFI name	CARD Bank	CARD Bank	CARD Bank	CARD Bank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Currency	USD	USD	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	2.77%	2.77%	—	—
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	2.31%	2.31%	—	—
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%	0.00%	—	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	139.20%	139.20%	—	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	5.12%	5.12%	—	—

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CARD Bank4

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