Caja Municipal de Ahorro y Crédito de Trujillo

CMAC Trujillo3

Caja Municipal de Ahorro y Crédito de Trujillo

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Institutional Characteristics

Institutional Characteristics
MFI name	CMAC Trujillo	CMAC Trujillo
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Assets	566,703,103	586,235,362
OfficesOffices Number, including head office	53	53
+ PersonnelPersonnel Total number of staff members	1,350	1,445
+ Gender
Female	578	—

Financing Structure

Financing Structure
MFI name	CMAC Trujillo	CMAC Trujillo
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
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	16.35%	16.69%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	5.12	4.99
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	92.95%	95.60%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	71.93%	71.71%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	77.39%	75.01%

Outreach Indicators

Outreach Indicators
MFI name	CMAC Trujillo	CMAC Trujillo
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
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	126,676	121,246
Percent of female borrowers	—	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	134,238	121,246
+ Products (credit)
Loans to corporations	405	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	133,833	—
+ Household financing	54,449	—
Consumption	53,357	—
Education	0	—
Mortgage housing	1,092	—
Household other	0	—
Microenterprise	79,384	—
+ Delinquency
Less than one month	123,670	—
+ One month or more	—	—
From one to three months	2,801	—
+ More than three months	—	—
From three to six months	1,834	—
+ More than six months	—	—
From six to twelve months	1,856	—
One year or more	1,966	—
Renegotiated loans	2,111	—
+ Methodology
Individual	134,238	—
Solidarity group	0	—
Village banking s h g	0	—
+ Relationship
External customers	133,639	—
Management and staff	599	—
+ Gender
Male	63,496	—
Female	68,754	—
Legal entity	1,988	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	438,564,056	439,753,996
+ Products (credit)
Loans to corporations	17,816,980	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	420,747,075	—
+ Household financing	128,191,707	—
Consumption	98,704,748	—
Education	0	—
Mortgage housing	29,486,959	—
Household other	0	—
Microenterprise	292,555,369	—
+ Delinquency
+ Less than one month	393,805,161	—
Not overdue	—	395,284,252
+ One month or more	34,777,216	36,248,774
From one to three months	7,377,132	8,242,281
+ More than three months	27,400,084	28,006,493
From three to six months	5,613,057	604,146
+ More than six months	21,787,028	27,402,347
From six to twelve months	8,258,596	27,337,366
One year or more	13,528,431	64,981
Renegotiated loans	9,981,678	8,220,970
+ Methodology
Individual	438,564,056	—
Solidarity group	0	—
Village banking s h g	0	—
+ Relationship
External customers	436,193,867	—
Management and staff	2,370,188	—
+ Gender
Male	241,287,480	—
Female	162,136,379	—
Legal entity	35,140,197	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	3,462	3,627
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	3,267	3,627
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	152,793	153,411
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	162,620	163,458
DepositsDeposits Total value of all deposit accounts	407,633,652	420,389,549
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	2,668	2,740
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	2,507	2,572
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 Trujillo	CMAC Trujillo
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
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	2.59%	2.92%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	16.54%	17.66%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	123.30%	—

Revenues

Revenues
MFI name	CMAC Trujillo	CMAC Trujillo
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
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	19.94%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	18.90%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	24.06%	—
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 Trujillo	CMAC Trujillo
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
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	16.17%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	4.66%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	3.29%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	8.22%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	4.30%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	3.92%	—

Efficiency

Efficiency
MFI name	CMAC Trujillo	CMAC Trujillo
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
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	10.74%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	5.62%	—
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	357	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	338	—

Productivity

Productivity
MFI name	CMAC Trujillo	CMAC Trujillo
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
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	94	84
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	99	84
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	202	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	214	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	113	106
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	120	113
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	46.52%	—

Risk And Liquidity

Risk And Liquidity
MFI name	CMAC Trujillo	CMAC Trujillo
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
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	10.21%	10.11%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	8.52%	8.24%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	2.52%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	2.79%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	96.98%	101.47%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	22.71%	—

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CMAC Trujillo3

Caja Municipal de Ahorro y Crédito de Trujillo

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