Cooperativa de Ahorro y Crédito de Santander Ltda. "Financiera Comultrasan"

Comultrasan5

Cooperativa de Ahorro y Crédito de Santander Ltda. "Financiera Comultrasan"

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Institutional Characteristics

Institutional Characteristics
MFI name	Comultrasan	Comultrasan
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	2
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Assets	359,127,102	357,564,762
OfficesOffices Number, including head office	43	43
+ PersonnelPersonnel Total number of staff members	730	739
+ Gender
Female	—	491

Financing Structure

Financing Structure
MFI name	Comultrasan	Comultrasan
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	2
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	23.99%	25.20%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—	2.97
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	64.87%	65.73%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	58.82%	59.78%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	90.67%	90.95%

Outreach Indicators

Outreach Indicators
MFI name	Comultrasan	Comultrasan
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	2
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
As of date	2011-09-30	2011-12-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	84,906	85,078
+ Gender
Male	—	42,760
Female	—	42,109
Legal entity	—	209
Percent of female borrowers	—	49.49%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	89,039	89,120
+ Delinquency
Less than one month	—	84,923
+ One month or more	—	—
From one to three months	—	1,866
+ More than three months	—	—
From three to six months	—	1,034
+ More than six months	—	—
From six to twelve months	—	904
One year or more	—	393
Renegotiated loans	—	0
+ Products (credit)
Loans to corporations	—	1,760
Loans to financial institutions	—	0
Loans to governments	—	0
+ Retail loans	—	87,360
+ Household financing	—	55,335
Consumption	—	55,183
Education	—	0
Mortgage housing	—	152
Household other	—	0
Microenterprise	—	32,025
+ Gender
Male	—	44,870
Female	—	43,990
Legal entity	—	260
+ Methodology
Individual	—	89,120
Solidarity group	—	0
Village banking s h g	—	0
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	325,618,968	325,197,486
+ Delinquency
Less than one month	270,939,508	315,511,360
+ One month or more	—	9,686,126
From one to three months	48,118,147	3,579,662
+ More than three months	—	6,106,464
From three to six months	3,416,015	2,127,617
+ More than six months	—	3,978,847
From six to twelve months	1,086,011	2,474,410
One year or more	2,059,287	1,504,437
Renegotiated loans	—	0
+ Products (credit)
Loans to corporations	—	47,305,396
Loans to financial institutions	—	0
Loans to governments	—	0
+ Retail loans	—	277,892,090
+ Household financing	—	199,380,646
Consumption	—	196,448,554
Education	—	0
Mortgage housing	—	2,932,091
Household other	—	0
Microenterprise	—	78,511,445
+ Gender
Male	—	177,039,887
Female	—	135,726,631
Legal entity	—	12,430,968
+ Methodology
Individual	—	325,197,486
Solidarity group	—	0
Village banking s h g	—	0
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	3,835	3,822
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	3,657	3,649
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	251,242	270,750
+ Products (deposits)
+ Retail deposits	—	270,750
+ Voluntary deposits	—	270,750
Demand deposits	—	255,483
Time deposits	—	15,267
Compulsory deposits	—	0
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	342,103	284,276
+ Products (deposits)
+ Retail deposits	—	284,276
+ Voluntary deposits	—	284,276
Demand deposits	—	262,508
Time deposits	—	21,768
Compulsory deposits	—	0
+ DepositsDeposits Total value of all deposit accounts	211,226,875	213,739,572
+ Products (deposits)
+ Retail deposits	—	213,739,572
+ Voluntary deposits	—	213,739,572
Demand deposits	—	83,371,419
Time deposits	—	130,368,153
Compulsory deposits	—	0
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	841	789
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	617	752
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	Comultrasan	Comultrasan
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	2
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	0.70%	4.43%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	2.96%	18.51%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—	132.34%

Revenues

Revenues
MFI name	Comultrasan	Comultrasan
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	2
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—	18.12%
Profit marginProfit margin Net Operating Income / Financial Revenue	—	24.44%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—	19.39%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	Comultrasan	Comultrasan
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	2
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	—	13.69%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—	3.87%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—	2.21%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—	7.61%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—	3.57%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—	4.03%

Efficiency

Efficiency
MFI name	Comultrasan	Comultrasan
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	2
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	—	8.45%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—	3.97%
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	—	323
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	—	308

Productivity

Productivity
MFI name	Comultrasan	Comultrasan
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	2
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	116	115
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	122	121
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	188	188
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	197	197
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	344	366
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	469	385
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	61.78%	61.16%

Risk And Liquidity

Risk And Liquidity
MFI name	Comultrasan	Comultrasan
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	2
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
As of date	2011-09-30	2011-12-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	16.79%	2.98%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	2.02%	1.88%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—	0.96%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—	0.67%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	37.16%	217.55%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—	2.41%

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Comultrasan5

Cooperativa de Ahorro y Crédito de Santander Ltda. "Financiera Comultrasan"

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