COAC Fernando Daquilema4

Cooperativa de Ahorro y Crédito Fernando Daquilema

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Institutional Characteristics
Institutional Characteristics
MFI name COAC Fernando Daquilema COAC Fernando Daquilema
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Assets 20,566,487
OfficesOffices

Number, including head office

8
+ PersonnelPersonnel

Total number of staff members

96
43
Financing Structure
Financing Structure
MFI name COAC Fernando Daquilema COAC Fernando Daquilema
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

9.98%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

9.02
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

93.82% 97.66%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

78.19%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

83.35%
Outreach Indicators
Outreach Indicators
MFI name COAC Fernando Daquilema COAC Fernando Daquilema
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
As of date 2012-12-31 2013-12-31
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

8,212 9,185
4,195
4,017 4,571
0
1,642
6,570
9,185
Percent of female borrowers 48.92% 49.77%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

8,212
4,195
4,017
0
1,642
6,570
8,212
0
0
7,043
177
194
127
165
506
0
0
0
0
0
0
8,212
19
19
0
0
0
8,193
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

17,141,673 23,423,464
9,858,924
7,282,749
0
3,428,334
13,713,339
17,141,673
0
0
16,063,252
15,806,821
256,431
1,078,421 1,366,856
293,340
785,081
156,826
628,255
231,279
396,976
0
0
0
0
0
0
17,141,673
24,684
24,684
0
0
0
17,116,989 23,423,464
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

2,087 2,550
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

48.84% 59.67%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

2,087
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

48.84%
Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

35,391
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

35,391
0
0
0
35,391
32,377
31,145
1,232
3,014
+ DepositsDeposits

Total value of all deposit accounts

16,081,600 22,876,236
0
0
0
16,081,600
14,731,058
7,140,543
7,590,515
1,350,542
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

454
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

11.00%
Overall Financial Performance
Overall Financial Performance
MFI name COAC Fernando Daquilema COAC Fernando Daquilema
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

0.78%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

6.11%
Operational self sufficiencyOperational self sufficiency

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

107.87%
Revenues
Revenues
MFI name COAC Fernando Daquilema COAC Fernando Daquilema
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

23.48%
Profit marginProfit margin

Net Operating Income / Financial Revenue

7.30%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

25.82%
Yield on gross portfolio (real)Yield on gross portfolio (real)

(Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)

20.53%
Expenses
Expenses
MFI name COAC Fernando Daquilema COAC Fernando Daquilema
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Total expense/ assetsTotal expense/ assets

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

21.77%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

5.61%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

2.99%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

13.17%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

7.37%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

5.79%
Efficiency
Efficiency
MFI name COAC Fernando Daquilema COAC Fernando Daquilema
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

14.95%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

8.37%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

3.20
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

288
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

303
Productivity
Productivity
MFI name COAC Fernando Daquilema COAC Fernando Daquilema
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

86
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

86
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

483
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

483
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

369
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

369
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

17.71%
Risk And Liquidity
Risk And Liquidity
MFI name COAC Fernando Daquilema COAC Fernando Daquilema
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
As of date 2012-12-31 2013-12-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

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

6.29% 5.84%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

4.58%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.00%
Loan loss rateLoan loss rate

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

0.00%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

97.41%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

14.32%