Capital Aid Fund for Employment of the Poor

CEP4

Capital Aid Fund for Employment of the Poor

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Institutional Characteristics

Institutional Characteristics
MFI name	CEP	CEP
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-12-31	2011-12-31
Assets	46,248,183	46,248,183
OfficesOffices Number, including head office	26	26
+ PersonnelPersonnel Total number of staff members	371	371
+ Gender
Female	164	—

Financing Structure

Financing Structure
MFI name	CEP	CEP
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-12-31	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	30.15%	30.15%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	2.32	2.32
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	40.08%	40.08%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	38.70%	38.70%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	96.54%	96.54%

Outreach Indicators

Outreach Indicators
MFI name	CEP	CEP
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
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	193,238	193,238
+ Relationship
External customers	193,238	—
Management and staff	0	—
+ Gender
Male	46,245	—
Female	146,993	—
Legal entity	0	—
+ Location
Urban	134,521	—
Rural	58,717	—
Percent of female borrowers	76.07%	76.07%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	193,238	193,238
+ Delinquency
Less than one month	191,688	—
+ One month or more	—	—
From one to three months	166	—
+ More than three months	—	—
From three to six months	64	—
+ More than six months	—	—
From six to twelve months	1,320	—
One year or more	0	—
Renegotiated loans	0	—
+ Location
Urban	134,521	—
Rural	58,717	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	193,238	—
+ Household financing	4,291	—
Consumption	0	—
Education	0	—
Mortgage housing	4,291	—
Household other	0	—
Microenterprise	188,947	—
+ Relationship
External customers	193,238	—
Management and staff	0	—
+ Methodology
Individual	193,238	—
Solidarity group	0	—
Village banking s h g	0	—
+ Gender
Male	46,245	—
Female	146,993	—
Legal entity	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	44,647,899	44,647,899
+ Delinquency
Less than one month	44,475,761	—
+ One month or more	172,139	—
From one to three months	23,058	—
+ More than three months	149,080	—
From three to six months	8,473	—
+ More than six months	140,607	—
From six to twelve months	140,607	—
One year or more	0	—
Renegotiated loans	0	—
+ Location
Urban	32,330,941	—
Rural	12,316,958	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	44,647,899	—
+ Household financing	2,214,790	—
Consumption	0	—
Education	0	—
Mortgage housing	2,214,790	—
Household other	0	—
Microenterprise	42,433,109	—
+ Relationship
External customers	44,647,899	—
Management and staff	0	—
+ Methodology
Individual	44,647,899	—
Solidarity group	0	—
Village banking s h g	0	—
+ Gender
Male	11,526,892	—
Female	33,121,007	—
Legal entity	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	231	231
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	231	231
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	198,779	198,779
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	319,061	319,061
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	319,061	—
+ Voluntary deposits	122,081	—
Demand deposits	122,081	—
Time deposits	0	—
Compulsory deposits	196,980	—
+ DepositsDeposits Total value of all deposit accounts	17,896,112	17,896,112
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	17,896,112	—
+ Voluntary deposits	4,106,237	—
Demand deposits	4,106,237	—
Time deposits	0	—
Compulsory deposits	13,789,875	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	90	90
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	56	56
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	CEP	CEP
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-12-31	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	7.89%	7.89%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	26.35%	26.35%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	159.67%	159.67%

Revenues

Revenues
MFI name	CEP	CEP
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-12-31	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	21.10%	21.10%
Profit marginProfit margin Net Operating Income / Financial Revenue	37.37%	37.37%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	21.63%	21.63%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	CEP	CEP
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-12-31	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	13.22%	13.22%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	4.77%	4.77%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.03%	0.03%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	8.42%	8.42%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	6.29%	6.29%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	2.13%	2.13%

Efficiency

Efficiency
MFI name	CEP	CEP
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-12-31	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	8.96%	8.96%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	6.69%	6.69%
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	20	20
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	20	20

Productivity

Productivity
MFI name	CEP	CEP
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-12-31	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	521	521
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	521	521
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	743	743
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	743	743
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	536	536
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	860	860
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	70.08%	70.08%

Risk And Liquidity

Risk And Liquidity
MFI name	CEP	CEP
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
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	0.39%	0.39%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.33%	0.33%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.02%	0.02%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.02%	0.02%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	88.11%	88.11%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	3.46%	3.46%

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CEP4

Capital Aid Fund for Employment of the Poor

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