Caja Municipal de Ahorro y Crédito - Arequipa

CMAC Arequipa5

Caja Municipal de Ahorro y Crédito - Arequipa

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Institutional Characteristics

Institutional Characteristics
MFI name	CMAC Arequipa	CMAC Arequipa
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	855,604,734	913,169,624
OfficesOffices Number, including head office	75	77
PersonnelPersonnel Total number of staff members	2,284	2,427

Financing Structure

Financing Structure
MFI name	CMAC Arequipa	CMAC Arequipa
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	13.28%	13.51%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	6.53	6.40
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	90.34%	91.77%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	79.05%	80.23%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	87.50%	87.42%

Outreach Indicators

Outreach Indicators
MFI name	CMAC Arequipa	CMAC Arequipa
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	212,844	220,353
Percent of female borrowers	—	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	216,185	223,797
+ Methodology
Individual	216,185	—
Solidarity group	0	—
Village banking s h g	0	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	215,977	—
+ Household financing	68,838	—
Consumption	66,487	—
Education	0	—
Mortgage housing	2,351	—
Household other	0	—
Microenterprise	147,139	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	748,676,221	798,280,809
+ Delinquency
+ Less than one month	709,085,050	—
Not overdue	—	754,782,113
+ One month or more	31,741,852	36,145,387
From one to three months	8,537,037	10,835,707
+ More than three months	23,204,815	25,309,680
From three to six months	1,715,185	1,977,319
+ More than six months	21,489,630	23,332,361
From six to twelve months	20,211,481	23,320,070
One year or more	1,278,148	12,291
Renegotiated loans	7,849,319	7,353,310
+ Methodology
Individual	748,676,221	—
Solidarity group	0	—
Village banking s h g	0	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	730,629,348	—
+ Household financing	218,392,226	—
Consumption	170,325,851	—
Education	0	—
Mortgage housing	48,066,375	—
Household other	0	—
Microenterprise	512,237,121	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	3,517	3,623
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	3,463	3,567
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	427,557	450,410
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	543,609	570,441
DepositsDeposits Total value of all deposit accounts	676,383,107	732,611,201
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	1,582	1,627
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	1,244	1,284
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	CMAC Arequipa	CMAC Arequipa
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	3.17%	3.85%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	23.36%	28.76%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	128.14%	—

Revenues

Revenues
MFI name	CMAC Arequipa	CMAC Arequipa
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	20.77%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	21.96%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	23.85%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	CMAC Arequipa	CMAC Arequipa
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	16.21%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	4.51%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	2.61%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	9.08%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	5.18%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	3.90%	—

Efficiency

Efficiency
MFI name	CMAC Arequipa	CMAC Arequipa
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	10.65%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	6.07%	—
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	341	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	334	—

Productivity

Productivity
MFI name	CMAC Arequipa	CMAC Arequipa
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	93	91
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	95	92
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	—	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	—	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	187	186
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	238	235
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	—	—

Risk And Liquidity

Risk And Liquidity
MFI name	CMAC Arequipa	CMAC Arequipa
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	5.29%	5.45%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	4.15%	4.09%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	1.42%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	1.00%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	137.62%	134.38%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	14.64%	—

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CMAC Arequipa5

Caja Municipal de Ahorro y Crédito - Arequipa

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