CMAC Pisco3

Caja Municipal de Ahorro y Crédito de Pisco

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Institutional Characteristics
Institutional Characteristics
MFI name CMAC Pisco CMAC Pisco CMAC Pisco
Annual DiamondsAnnual Diamonds

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 		3 2 -
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type ANN ANN QTR
As of date 2011-12-31 2011-12-31 2012-03-31
Assets 21,725,084 21,725,084 23,289,289
OfficesOffices

Number, including head office

 		5 5 5
PersonnelPersonnel

Total number of staff members

 		128 128 126
Financing Structure
Financing Structure
MFI name CMAC Pisco CMAC Pisco CMAC Pisco
Annual DiamondsAnnual Diamonds

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 		3 2 -
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type ANN ANN QTR
As of date 2011-12-31 2011-12-31 2012-03-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

 		11.22% 11.22% 11.33%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		7.91 7.91 7.83
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		110.29% 110.29% 113.95%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		83.81% 83.81% 83.90%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		75.99% 75.99% 73.63%
Outreach Indicators
Outreach Indicators
MFI name CMAC Pisco CMAC Pisco CMAC Pisco
Annual DiamondsAnnual Diamonds

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 		3 2 -
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type ANN ANN QTR
As of date 2011-12-31 2011-12-31 2012-03-31
As of date 2011-12-31 2011-12-31 2012-03-31
Currency USD USD USD
Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

 		8,778 8,778 8,886
Percent of female borrowers — — —
Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		— — 8,903
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		16,509,361 16,509,361 17,148,051
15,677,286 — —
— — 16,214,825
— — 781,847
150,000 — 169,967
— — 611,880
58,148 — 59,488
— — 552,392
434,815 — 552,392
0 — 0
189,112 — 151,379
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		1,881 1,881 1,930
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

 		— — 1,926
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

 		3,799 3,799 3,890
Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		— — 4,906
DepositsDeposits

Total value of all deposit accounts

 		18,207,457 18,207,457 19,540,114
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

 		4,793 4,793 5,023
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

 		— — —
Overall Financial Performance
Overall Financial Performance
MFI name CMAC Pisco CMAC Pisco CMAC Pisco
Annual DiamondsAnnual Diamonds

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 		3 2 -
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type ANN ANN QTR
As of date 2011-12-31 2011-12-31 2012-03-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

 		-1.00% -1.00% 3.11%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		-7.89% -7.89% 27.57%
Operational self sufficiencyOperational self sufficiency

Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)

 		96.31% 96.31% —
Revenues
Revenues
MFI name CMAC Pisco CMAC Pisco CMAC Pisco
Annual DiamondsAnnual Diamonds

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 		3 2 -
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type ANN ANN QTR
As of date 2011-12-31 2011-12-31 2012-03-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

 		26.11% 26.11% —
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		-3.83% -3.83% —
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		33.73% 33.73% —
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 Pisco CMAC Pisco CMAC Pisco
Annual DiamondsAnnual Diamonds

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 		3 2 -
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type ANN ANN QTR
As of date 2011-12-31 2011-12-31 2012-03-31
Total expense/ assetsTotal expense/ assets

(Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets

 		27.12% 27.12% —
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		6.90% 6.90% —
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		2.05% 2.05% —
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		18.16% 18.16% —
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		8.45% 8.45% —
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		9.71% 9.71% —
Efficiency
Efficiency
MFI name CMAC Pisco CMAC Pisco CMAC Pisco
Annual DiamondsAnnual Diamonds

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 		3 2 -
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type ANN ANN QTR
As of date 2011-12-31 2011-12-31 2012-03-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

 		24.28% 24.28% —
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		11.30% 11.30% —
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

 		433 433 —
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		449 449 —
Productivity
Productivity
MFI name CMAC Pisco CMAC Pisco CMAC Pisco
Annual DiamondsAnnual Diamonds

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 		3 2 -
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type ANN ANN QTR
As of date 2011-12-31 2011-12-31 2012-03-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

 		69 69 71
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		— — 71
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

 		30 30 31
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		— — 39
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		— — —
Risk And Liquidity
Risk And Liquidity
MFI name CMAC Pisco CMAC Pisco CMAC Pisco
Annual DiamondsAnnual Diamonds

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 		3 2 -
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type ANN ANN QTR
As of date 2011-12-31 2011-12-31 2012-03-31
As of date 2011-12-31 2011-12-31 2012-03-31
Currency USD USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

 		5.04% 5.04% 5.44%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio

 		4.13% 4.13% 4.45%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		1.45% 1.45% —
Loan loss rateLoan loss rate

(Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio

 		0.61% 0.61% —
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		107.05% 107.05% 111.22%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		14.59% 14.59% —