CMAC Piura | MFIs in Peru

CMAC Piura3

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Institutional Characteristics

Institutional Characteristics
MFI name	CMAC Piura	CMAC Piura
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	2012-12-31
Assets	733,546,978	859,213,938
OfficesOffices Number, including head office	95	100
PersonnelPersonnel Total number of staff members	1,990	2,211

Financing Structure

Financing Structure
MFI name	CMAC Piura	CMAC Piura
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	2012-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	11.81%	11.74%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	7.47	7.52
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	107.82%	113.69%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	80.05%	81.95%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	74.24%	72.08%

Outreach Indicators

Outreach Indicators
MFI name	CMAC Piura	CMAC Piura
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	2012-12-31
As of date	2011-12-31	2012-12-31
Currency	USD	USD
Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	145,742	138,313
Percent of female borrowers	—	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	147,516	140,735
+ Delinquency
Less than one month	136,466	—
+ One month or more	—	—
From one to three months	1,326	—
+ More than three months	—	—
From three to six months	427	—
+ More than six months	—	—
From six to twelve months	5,349	—
One year or more	529	—
Renegotiated loans	3,419	—
+ Products (credit)
Loans to financial institutions	0	—
+ Loans to corporations	602	—
Loans to large corporations	602	—
Loans to governments	0	—
Loans to small and medium enterprises	0	—
+ Retail loans	146,914	—
Microenterprise	114,727	—
+ Household financing	32,187	—
Mortgage housing	202	—
Consumption	31,985	—
Education	0	—
Household other	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	544,608,445	619,322,295
+ Delinquency
+ Less than one month	503,812,695	—
Not overdue	—	573,414,681
+ One month or more	28,171,852	28,476,299
From one to three months	4,896,296	8,580,213
+ More than three months	23,275,556	19,896,086
From three to six months	1,575,926	2,800,778
+ More than six months	21,699,630	17,095,308
From six to twelve months	19,746,667	17,066,615
One year or more	1,952,963	28,693
Renegotiated loans	12,623,898	17,431,314
+ Products (credit)
Loans to financial institutions	0	—
+ Loans to corporations	93,874,368	—
Loans to large corporations	93,874,368	—
Loans to governments	0	—
Loans to small and medium enterprises	0	—
+ Retail loans	450,734,077	—
Microenterprise	409,954,110	—
+ Household financing	40,779,967	—
Mortgage housing	2,871,479	—
Consumption	37,908,488	—
Education	0	—
Household other	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	3,737	4,478
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	73.71%	88.33%
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	3,692	4,401
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	72.83%	86.81%
Number of depositorsNumber of depositors Number of depositors with any type of deposit account	210,848	256,282
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	270,082	616,056
DepositsDeposits Total value of all deposit accounts	587,204,294	704,084,835
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	2,785	2,747
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita Average Deposit Balance per Depositor / GNI per Capita	55.00%	54.00%
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	2,174	1,143
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	43.00%	23.00%

Overall Financial Performance

Overall Financial Performance
MFI name	CMAC Piura	CMAC Piura
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	2012-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	2.45%	1.62%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	22.08%	13.73%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	123.92%	—

Revenues

Revenues
MFI name	CMAC Piura	CMAC Piura
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	2012-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	19.27%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	19.30%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	25.61%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	21.89%	—

Expenses

Expenses
MFI name	CMAC Piura	CMAC Piura
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	2012-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	15.55%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	5.35%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.90%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	9.30%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	4.64%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	4.66%	—

Efficiency

Efficiency
MFI name	CMAC Piura	CMAC Piura
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	2012-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	12.78%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	6.38%	—
Average salary/ GNI per capitaAverage salary/ GNI per capita Average Personnel Expense / GNI per capita	3.30	—
Cost per borrowerCost per borrower Operating Expense / Average Number of Active Borrowers	452	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	445	—

Productivity

Productivity
MFI name	CMAC Piura	CMAC Piura
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	2012-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	73	63
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	74	64
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	106	116
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	136	279
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	—	—

Risk And Liquidity

Risk And Liquidity
MFI name	CMAC Piura	CMAC Piura
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	2012-12-31
As of date	2011-12-31	2012-12-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	7.49%	7.41%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	6.59%	6.03%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	2.07%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	1.66%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	102.19%	92.43%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	24.51%	—

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CMAC Piura3

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