Caja Municipal de Ahorro y Crédito - Cusco

CMAC Cusco5

Caja Municipal de Ahorro y Crédito - Cusco

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Institutional Characteristics

Institutional Characteristics
MFI name	CMAC Cusco	CMAC Cusco
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	417,154,165	434,018,793
OfficesOffices Number, including head office	42	42
+ PersonnelPersonnel Total number of staff members	1,054	1,106
+ Gender
Female	481	—

Financing Structure

Financing Structure
MFI name	CMAC Cusco	CMAC Cusco
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	18.13%	17.51%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	4.52	4.71
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	96.05%	99.24%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	76.97%	78.11%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	80.14%	78.71%

Outreach Indicators

Outreach Indicators
MFI name	CMAC Cusco	CMAC Cusco
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	66,502	68,273
+ Relationship
External customers	66,133	—
Management and staff	369	—
+ Gender
Male	23,276	—
Female	43,226	—
Legal entity	0	—
+ Location
Urban	47,868	—
Rural	18,634	—
Percent of female borrowers	65.00%	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	73,912	68,273
+ Delinquency
Less than one month	70,235	—
+ One month or more	—	—
From one to three months	387	—
+ More than three months	—	—
From three to six months	117	—
+ More than six months	—	—
From six to twelve months	2,013	—
One year or more	317	—
Renegotiated loans	843	—
+ Location
Urban	53,202	—
Rural	20,710	—
+ Products (credit)
Loans to corporations	408	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	73,504	—
+ Household financing	19,227	—
Consumption	18,618	—
Education	0	—
Mortgage housing	609	—
Household other	0	—
Microenterprise	54,277	—
+ Relationship
External customers	73,528	—
Management and staff	384	—
+ Methodology
Individual	73,912	—
Solidarity group	0	—
Village banking s h g	0	—
+ Gender
Male	25,869	—
Female	48,043	—
Legal entity	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	334,323,485	341,596,643
+ Methodology
Individual	334,323,485	—
Solidarity group	0	—
Village banking s h g	0	—
+ Delinquency
+ Less than one month	317,689,454	—
Not overdue	—	323,039,251
+ One month or more	12,820,370	15,186,328
From one to three months	1,750,370	2,536,692
+ More than three months	11,070,000	12,649,637
From three to six months	531,481	947,031
+ More than six months	10,538,519	11,702,605
From six to twelve months	9,104,074	11,688,507
One year or more	1,434,444	14,098
Renegotiated loans	3,813,660	3,371,063
+ Location
Urban	240,645,603	—
Rural	93,677,882	—
+ Products (credit)
Loans to corporations	44,324,086	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	289,999,399	—
+ Household financing	91,478,739	—
Consumption	67,682,216	—
Education	0	—
Mortgage housing	23,796,522	—
Household other	0	—
Microenterprise	198,520,661	—
+ Relationship
External customers	332,019,726	—
Management and staff	2,303,759	—
+ Gender
Male	117,013,220	—
Female	217,310,265	—
Legal entity	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	5,027	5,003
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	4,523	5,003
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	190,488	199,371
+ Products (deposits)
Deposits from corporations	2,913	—
Deposits from financial institutions	5	—
Deposits from governments	27	—
+ Retail deposits	187,543	—
+ Voluntary deposits	173,371	—
Demand deposits	147,596	—
Time deposits	25,775	—
Compulsory deposits	14,172	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	208,738	220,785
+ Products (deposits)
Deposits from corporations	3,390	—
Deposits from financial institutions	8	—
Deposits from governments	36	—
+ Retail deposits	205,304	—
+ Voluntary deposits	190,595	—
Demand deposits	162,308	—
Time deposits	28,287	—
Compulsory deposits	14,709	—
+ DepositsDeposits Total value of all deposit accounts	321,102,488	338,999,567
+ Products (deposits)
Deposits from corporations	39,767,994	—
Deposits from financial institutions	344,503	—
Deposits from governments	16,618,803	—
+ Retail deposits	264,371,188	—
+ Voluntary deposits	235,944,719	—
Demand deposits	71,935,738	—
Time deposits	164,008,981	—
Compulsory deposits	28,426,469	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	1,686	1,700
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	1,538	1,535
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 Cusco	CMAC Cusco
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	3.51%	3.02%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	18.66%	16.93%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	139.32%	—

Revenues

Revenues
MFI name	CMAC Cusco	CMAC Cusco
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	18.06%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	28.22%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	21.00%	—
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 Cusco	CMAC Cusco
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	12.96%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	3.82%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	1.34%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	7.81%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	4.61%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	3.20%	—

Efficiency

Efficiency
MFI name	CMAC Cusco	CMAC Cusco
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	9.56%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	5.64%	—
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	432	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	414	—

Productivity

Productivity
MFI name	CMAC Cusco	CMAC Cusco
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	63	62
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	70	62
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	163	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	181	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	181	180
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	198	200
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	38.71%	—

Risk And Liquidity

Risk And Liquidity
MFI name	CMAC Cusco	CMAC Cusco
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	4.98%	5.43%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	4.45%	4.69%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.76%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.57%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	115.68%	114.99%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	19.86%	—

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CMAC Cusco5

Caja Municipal de Ahorro y Crédito - Cusco

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