COAC Jardín Azuayo5

Cooperativa de Ahorro y Crédito Jardín Azuayo

Select i

Report Periodi

Report Typei

Report Type

Compare to Benchmarksi

Please use this button to enable the changes you've made to your report settings.
Institutional Characteristics
Institutional Characteristics
MFI name COAC Jardín Azuayo COAC Jardín Azuayo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Assets 299,366,169 372,635,486
OfficesOffices

Number, including head office

31
+ PersonnelPersonnel

Total number of staff members

383
217
Financing Structure
Financing Structure
MFI name COAC Jardín Azuayo COAC Jardín Azuayo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
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

12.94% 12.60%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

6.73 6.94
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

92.04% 90.94%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

79.88% 78.56%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

86.79% 86.38%
Outreach Indicators
Outreach Indicators
MFI name COAC Jardín Azuayo COAC Jardín Azuayo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
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

56,275 62,993
29,937
26,209 30,230
129
56,123
152
12,759
43,516
18,383
Percent of female borrowers 46.57% 47.99%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

58,144
52,220
2,419
1,018
432
531
1,524
0
12,927
45,217
57,977
167
57,628
516
0
29,937
28,065
142
0
0
0
0
0
58,144
43,428
43,268
0
160
0
14,716
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

259,812,085 321,896,948
250,124,877 305,938,769
240,264,231 304,954,342
9,860,646 984,427
9,687,208 15,958,128
3,927,943 1,803,662
5,759,265 14,154,466
2,098,911
3,660,354
1,774,085
1,886,269
0 0
58,574,119
201,237,966
258,903,241
908,844
257,984,571
1,827,514
0
139,677,837
117,498,502
2,635,746
0 2,172,010
0
0
0
0
259,812,085
198,689,182
195,393,981 237,817,216
0
3,295,201 0
0
61,122,903 81,907,722
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

4,617 5,110
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

108.02% 119.56%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

4,468
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

104.55%
Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

147,183
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

152,275
0
0
0
152,275
133,329
122,698
10,631
18,946
+ DepositsDeposits

Total value of all deposit accounts

239,135,512 292,733,191
0
0
0
239,135,512
235,412,017 288,708,766
126,241,113 148,129,535
109,170,904 140,579,231
3,723,495 4,024,425
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

1,625
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

38.00%
Overall Financial Performance
Overall Financial Performance
MFI name COAC Jardín Azuayo COAC Jardín Azuayo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
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

1.98% 0.75%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

15.12% 5.92%
Operational self sufficiencyOperational self sufficiency

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

123.71% 109.87%
Revenues
Revenues
MFI name COAC Jardín Azuayo COAC Jardín Azuayo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
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

13.15% 13.00%
Profit marginProfit margin

Net Operating Income / Financial Revenue

19.17% 8.99%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

14.34% 14.22%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

9.53% 9.42%
Expenses
Expenses
MFI name COAC Jardín Azuayo COAC Jardín Azuayo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
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

10.63% 11.83%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

5.18% 5.52%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

1.42% 1.81%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

4.03% 4.50%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

1.73% 1.87%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

2.30% 2.63%
Efficiency
Efficiency
MFI name COAC Jardín Azuayo COAC Jardín Azuayo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
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

4.58% 5.17%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

1.97% 2.15%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

3.21
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

200 261
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

197
Productivity
Productivity
MFI name COAC Jardín Azuayo COAC Jardín Azuayo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
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

147
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

152
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

712
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

736
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

384
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

398
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

20.63%
Risk And Liquidity
Risk And Liquidity
MFI name COAC Jardín Azuayo COAC Jardín Azuayo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
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

3.73% 4.96%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

2.22% 4.40%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.21%
Loan loss rateLoan loss rate

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

0.13% -0.28%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

124.11% 97.48%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

6.13% 6.07%