Corporación Nariño Empresa y Futuro

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Corporación Nariño Empresa y Futuro

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Institutional Characteristics

Institutional Characteristics
MFI name	Contactar	Contactar
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Assets	33,697,340	37,915,293
OfficesOffices Number, including head office	25	25
+ PersonnelPersonnel Total number of staff members	231	236
+ Gender
Female	—	131

Financing Structure

Financing Structure
MFI name	Contactar	Contactar
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
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	—	27.11%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—	2.69
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	—	0.00%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	—	0.00%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	90.97%	93.88%

Outreach Indicators

Outreach Indicators
MFI name	Contactar	Contactar
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
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	42,387	45,441
+ Relationship
External customers	—	45,393
Management and staff	—	48
+ Gender
Male	—	23,851
Female	—	21,590
Legal entity	—	0
+ Location
Urban	—	9,732
Rural	—	35,709
Percent of female borrowers	—	47.51%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	—	45,441
+ Methodology
Individual	—	38,881
Solidarity group	—	5,900
Village banking s h g	—	660
+ Delinquency
Less than one month	—	44,696
+ One month or more	—	—
From one to three months	—	224
+ More than three months	—	—
From three to six months	—	215
+ More than six months	—	—
From six to twelve months	—	142
One year or more	—	55
Renegotiated loans	—	109
+ Location
Urban	—	9,732
Rural	—	35,709
+ Products (credit)
Loans to corporations	—	0
+ Retail loans	—	45,441
+ Household financing	—	48
Consumption	—	48
Education	—	0
Mortgage housing	—	0
Household other	—	0
Microenterprise	—	45,393
+ Relationship
External customers	—	45,393
Management and staff	—	48
+ Gender
Male	—	23,851
Female	—	21,590
Legal entity	—	0
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	30,653,080	35,593,636
+ Methodology
Individual	—	30,803,903
Solidarity group	—	4,139,690
Village banking s h g	—	650,043
+ Delinquency
Less than one month	30,325,805	35,248,153
+ One month or more	—	245,910
From one to three months	75,754	88,054
+ More than three months	—	157,857
From three to six months	88,350	85,025
+ More than six months	—	72,831
From six to twelve months	33,183	53,666
One year or more	26,649	19,165
Renegotiated loans	103,340	99,573
+ Location
Urban	—	7,466,910
Rural	—	28,126,726
+ Products (credit)
Loans to corporations	—	0
+ Retail loans	—	35,593,636
+ Household financing	—	110,509
Consumption	—	110,509
Education	—	0
Mortgage housing	—	0
Household other	—	0
Microenterprise	—	35,483,126
+ Relationship
External customers	—	35,483,126
Management and staff	—	110,509
+ Gender
Male	—	19,091,129
Female	—	16,502,506
Legal entity	—	0
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	723	783
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	—	783
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	—	0
+ Products (deposits)
+ Retail deposits	—	0
Voluntary deposits	—	0
Compulsory deposits	—	0
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	—	0
+ Products (deposits)
+ Retail deposits	—	0
Voluntary deposits	—	0
Compulsory deposits	—	0
+ DepositsDeposits Total value of all deposit accounts	—	0
+ Products (deposits)
+ Retail deposits	—	0
Voluntary deposits	—	0
Compulsory deposits	—	0
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	—	—
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	—	—
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	Contactar	Contactar
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
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	7.65%	6.77%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—	22.41%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—	126.46%

Revenues

Revenues
MFI name	Contactar	Contactar
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
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	—	32.69%
Profit marginProfit margin Net Operating Income / Financial Revenue	—	20.92%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—	33.03%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	Contactar	Contactar
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
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	—	25.85%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—	7.09%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—	0.37%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—	18.39%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—	10.89%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—	7.51%

Efficiency

Efficiency
MFI name	Contactar	Contactar
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
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	—	19.80%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—	11.72%
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	—	148
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	—	148

Productivity

Productivity
MFI name	Contactar	Contactar
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
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	183	193
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	—	193
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	385	406
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	—	406
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	—	0
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	—	0
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	47.62%	47.46%

Risk And Liquidity

Risk And Liquidity
MFI name	Contactar	Contactar
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
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	1.07%	0.97%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.82%	0.72%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—	0.66%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—	0.32%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	103.67%	134.42%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—	2.67%

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