COAC San Gabriel4

Cooperativa de Ahorro y Credito San Gabriel

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Institutional Characteristics
Institutional Characteristics
MFI name COAC San Gabriel COAC San Gabriel
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Assets 8,284,576 —
OfficesOffices

Number, including head office

 		6 —
+ PersonnelPersonnel

Total number of staff members

 		28 —
18 —
Financing Structure
Financing Structure
MFI name COAC San Gabriel COAC San Gabriel
Annual DiamondsAnnual Diamonds

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 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

 		14.57% —
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		5.86 —
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		56.95% 51.80%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		47.55% —
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		83.48% —
Outreach Indicators
Outreach Indicators
MFI name COAC San Gabriel COAC San Gabriel
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
As of date 2011-12-31 2012-09-30
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

 		2,629 3,324
1,233 —
1,391 1,813
5 —
2,608 —
21 —
1,584 —
1,045 —
— —
— 2,821
Percent of female borrowers 52.91% 54.54%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		2,869 —
2,559 —
— —
112 —
— —
46 —
— —
36 —
116 —
0 —
2,869 —
0 —
0 —
2,840 —
29 —
1,332 —
1,532 —
5 —
1,729 —
1,140 —
2,869 —
2,319 —
550 —
530 —
20 —
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		6,916,281 9,707,644
6,706,299 —
209,982 383,491
33,538 —
176,444 —
47,548 —
128,896 —
46,796 —
82,100 —
0 —
6,916,281 —
0 —
0 —
6,846,371 —
69,910 —
3,477,701 —
3,414,820 —
23,760 —
4,203,024 —
2,713,257 —
6,916,281 —
5,013,210 7,444,031
1,903,071 —
1,799,332 —
103,739 —
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		2,631 2,920
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

 		61.55% 68.33%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

 		2,411 —
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

 		56.41% —
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

 		6,284 —
6,284 —
6,284 —
6,193 —
91 —
0 —
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		9,279 —
9,279 —
9,279 —
9,147 —
132 —
0 —
+ DepositsDeposits

Total value of all deposit accounts

 		3,939,094 5,028,358
3,939,094 —
3,939,094 —
2,435,157 —
1,503,937 —
0 —
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

 		627 —
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

 		15.00% —
Overall Financial Performance
Overall Financial Performance
MFI name COAC San Gabriel COAC San Gabriel
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

 		1.64% —
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		10.60% —
Operational self sufficiencyOperational self sufficiency

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

 		111.29% —
Revenues
Revenues
MFI name COAC San Gabriel COAC San Gabriel
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

 		16.14% —
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		10.15% —
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		19.58% —
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

 		14.55% —
Expenses
Expenses
MFI name COAC San Gabriel COAC San Gabriel
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Total expense/ assetsTotal expense/ assets

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

 		14.50% —
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		4.99% —
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		1.17% —
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		8.33% —
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		4.27% —
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		4.06% —
Efficiency
Efficiency
MFI name COAC San Gabriel COAC San Gabriel
Annual DiamondsAnnual Diamonds

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 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

 		10.70% —
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		5.49% —
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

 		2.66 —
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

 		254 —
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		210 —
Productivity
Productivity
MFI name COAC San Gabriel COAC San Gabriel
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

 		94 —
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		102 —
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		263 —
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		287 —
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		224 —
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		331 —
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		35.71% —
Risk And Liquidity
Risk And Liquidity
MFI name COAC San Gabriel COAC San Gabriel
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
As of date 2011-12-31 2012-09-30
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

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

 		3.04% 3.95%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		2.55% —
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		0.02% —
Loan loss rateLoan loss rate

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

 		0.02% —
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		103.34% —
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		7.08% —