Caja Municipal de AHorro y Crédito de Huancayo

CMAC Huancayo5

Caja Municipal de AHorro y Crédito de Huancayo

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Institutional Characteristics

Institutional Characteristics
MFI name	CMAC Huancayo	CMAC Huancayo
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	374,661,578	397,002,516
OfficesOffices Number, including head office	55	56
+ PersonnelPersonnel Total number of staff members	1,238	1,180
+ Gender
Female	424	—

Financing Structure

Financing Structure
MFI name	CMAC Huancayo	CMAC Huancayo
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	16.12%	15.93%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	5.20	5.28
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	84.35%	87.28%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	71.98%	71.83%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	85.33%	82.30%

Outreach Indicators

Outreach Indicators
MFI name	CMAC Huancayo	CMAC Huancayo
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	139,194	145,695
+ Relationship
External customers	138,764	—
Management and staff	430	—
+ Gender
Male	79,461	—
Female	59,005	—
Legal entity	728	—
+ Location
Urban	88,937	—
Rural	50,257	—
Percent of female borrowers	42.39%	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	159,092	146,996
+ Delinquency
Less than one month	151,347	—
+ One month or more	—	—
From one to three months	1,538	—
+ More than three months	—	—
From three to six months	275	—
+ More than six months	—	—
From six to twelve months	4,190	—
One year or more	85	—
Renegotiated loans	1,657	—
+ Location
Urban	102,113	—
Rural	56,979	—
+ Products (credit)
Loans to corporations	168	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	158,924	—
+ Household financing	85,736	—
Consumption	73,610	—
Education	0	—
Mortgage housing	12,126	—
Household other	0	—
Microenterprise	73,188	—
+ Relationship
External customers	158,517	—
Management and staff	575	—
+ Methodology
Individual	154,266	—
Solidarity group	4,826	—
Village banking s h g	0	—
+ Gender
Male	89,719	—
Female	68,485	—
Legal entity	888	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	319,692,511	326,733,947
+ Methodology
Individual	318,319,354	—
Solidarity group	1,373,157	—
Village banking s h g	0	—
+ Delinquency
+ Less than one month	304,128,907	—
Not overdue	—	309,268,065
+ One month or more	12,234,444	14,471,142
From one to three months	3,091,111	4,920,836
+ More than three months	9,143,333	9,550,306
From three to six months	551,852	906,470
+ More than six months	8,591,481	8,643,837
From six to twelve months	8,420,000	8,642,451
One year or more	171,481	1,386
Renegotiated loans	3,329,159	2,994,740
+ Location
Urban	217,965,558	—
Rural	101,726,953	—
+ Products (credit)
Loans to corporations	21,025,361	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	298,667,150	—
+ Household financing	137,117,677	—
Consumption	67,491,475	—
Education	0	—
Mortgage housing	69,626,202	—
Household other	0	—
Microenterprise	161,549,473	—
+ Relationship
External customers	316,712,367	—
Management and staff	2,980,143	—
+ Gender
Male	175,557,059	—
Female	118,925,939	—
Legal entity	25,209,513	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	2,297	2,243
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	2,009	2,223
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	178,362	175,179
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	13	—
Deposits from governments	28	—
+ Retail deposits	178,321	—
+ Voluntary deposits	172,306	—
Demand deposits	121,885	—
Time deposits	50,421	—
Compulsory deposits	6,015	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	206,706	212,423
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	52	—
Deposits from governments	41	—
+ Retail deposits	206,613	—
+ Voluntary deposits	200,514	—
Demand deposits	142,940	—
Time deposits	57,574	—
Compulsory deposits	6,099	—
+ DepositsDeposits Total value of all deposit accounts	269,674,315	285,169,271
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	4,698,500	—
Deposits from governments	5,091,829	—
+ Retail deposits	259,883,986	—
+ Voluntary deposits	241,063,860	—
Demand deposits	56,291,610	—
Time deposits	184,772,250	—
Compulsory deposits	18,820,126	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	1,512	1,628
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	1,305	1,342
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 Huancayo	CMAC Huancayo
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	2.99%	2.26%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	17.90%	14.08%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	125.34%	—

Revenues

Revenues
MFI name	CMAC Huancayo	CMAC Huancayo
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	22.30%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	20.22%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	24.96%	—
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 Huancayo	CMAC Huancayo
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	17.79%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	5.38%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	1.12%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	11.30%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	6.70%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	4.60%	—

Efficiency

Efficiency
MFI name	CMAC Huancayo	CMAC Huancayo
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	13.46%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	7.97%	—
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	291	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	271	—

Productivity

Productivity
MFI name	CMAC Huancayo	CMAC Huancayo
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	112	123
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	129	125
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	289	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	331	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	144	148
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	167	180
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	38.85%	—

Risk And Liquidity

Risk And Liquidity
MFI name	CMAC Huancayo	CMAC Huancayo
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	4.87%	5.35%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	3.90%	3.84%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.75%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.60%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	120.40%	111.45%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	14.45%	—

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CMAC Huancayo5

Caja Municipal de AHorro y Crédito de Huancayo

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