Caja Municipal de AHorro y Crédito Del Santa

CMAC Del Santa3

Caja Municipal de AHorro y Crédito Del Santa

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Institutional Characteristics

Institutional Characteristics
MFI name	CMAC Del Santa	CMAC Del Santa
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	85,528,693	84,336,517
OfficesOffices Number, including head office	15	15
PersonnelPersonnel Total number of staff members	295	281

Financing Structure

Financing Structure
MFI name	CMAC Del Santa	CMAC Del Santa
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	11.64%	12.04%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	7.59	7.31
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	104.56%	110.78%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	82.42%	82.45%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	78.83%	74.43%

Outreach Indicators

Outreach Indicators
MFI name	CMAC Del Santa	CMAC Del Santa
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	25,647	24,849
Percent of female borrowers	—	—
Number of loans outstandingNumber of loans outstanding Number of loans outstanding	—	25,061
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	67,418,694	62,771,782
+ Delinquency
+ Less than one month	57,343,614	—
Not overdue	—	52,357,008
+ One month or more	5,618,148	6,142,442
From one to three months	1,588,148	1,760,833
+ More than three months	4,030,000	4,381,609
From three to six months	288,148	193,048
+ More than six months	3,741,852	4,188,560
From six to twelve months	3,234,074	4,182,187
One year or more	507,778	6,373
Renegotiated loans	4,456,932	4,272,332
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	2,629	2,526
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	—	2,505
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	25,805	25,721
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	—	26,471
DepositsDeposits Total value of all deposit accounts	70,490,175	69,539,554
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	2,732	2,704
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	—	2,627
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 Del Santa	CMAC Del Santa
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	0.74%	0.42%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	6.45%	3.56%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	103.62%	—

Revenues

Revenues
MFI name	CMAC Del Santa	CMAC Del Santa
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	21.80%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	3.49%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	24.91%	—
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 Del Santa	CMAC Del Santa
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	21.04%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	8.04%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	3.40%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	9.60%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	4.61%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	4.99%	—

Efficiency

Efficiency
MFI name	CMAC Del Santa	CMAC Del Santa
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	12.01%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	5.76%	—
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	293	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	286	—

Productivity

Productivity
MFI name	CMAC Del Santa	CMAC Del Santa
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	87	88
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	—	89
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	87	92
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	—	94
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	—	—

Risk And Liquidity

Risk And Liquidity
MFI name	CMAC Del Santa	CMAC Del Santa
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	14.94%	16.59%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	12.59%	13.79%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	4.14%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	4.14%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	79.64%	76.44%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	18.68%	—

MFI Report

CMAC Del Santa3

Caja Municipal de AHorro y Crédito Del Santa

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