COOPAC Santo Domingo3

Cooperativa de Ahorro y Crédito Santo Domingo de Guzmán

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Institutional Characteristics
Institutional Characteristics
MFI name COOPAC Santo Domingo COOPAC Santo Domingo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Assets 40,359,363 43,037,415
OfficesOffices

Number, including head office

 		— —
PersonnelPersonnel

Total number of staff members

 		117 —
Financing Structure
Financing Structure
MFI name COOPAC Santo Domingo COOPAC Santo Domingo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

 		16.39% 16.41%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		5.10 5.09
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		92.08% 91.98%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		79.02% 79.71%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		85.81% 86.66%
Outreach Indicators
Outreach Indicators
MFI name COOPAC Santo Domingo COOPAC Santo Domingo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
As of date 2011-12-31 2012-03-31
Currency USD USD
Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

 		— —
Percent of female borrowers — —
Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		— —
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		34,633,660 37,295,930
— —
— 33,555,133
— 490,841
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		— —
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

 		— —
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

 		30,927 —
Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		30,927 —
DepositsDeposits

Total value of all deposit accounts

 		31,890,239 34,306,225
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

 		1,031 —
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

 		— —
Overall Financial Performance
Overall Financial Performance
MFI name COOPAC Santo Domingo COOPAC Santo Domingo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

 		2.64% 3.02%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		17.45% 18.39%
Operational self sufficiencyOperational self sufficiency

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

 		120.88% 120.74%
Revenues
Revenues
MFI name COOPAC Santo Domingo COOPAC Santo Domingo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

 		15.55% 17.55%
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		17.27% 17.18%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		18.66% 18.97%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

 		— —
Expenses
Expenses
MFI name COOPAC Santo Domingo COOPAC Santo Domingo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Total expense/ assetsTotal expense/ assets

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

 		12.87% 14.54%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		4.66% 5.54%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		2.27% 2.00%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		5.94% 7.00%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		3.53% 4.44%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		2.41% 2.56%
Efficiency
Efficiency
MFI name COOPAC Santo Domingo COOPAC Santo Domingo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

 		7.59% 8.11%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		4.50% 5.14%
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

 		— —
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		— —
Productivity
Productivity
MFI name COOPAC Santo Domingo COOPAC Santo Domingo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

 		— —
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		— —
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		— —
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		— —
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		264 —
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		264 —
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		— —
Risk And Liquidity
Risk And Liquidity
MFI name COOPAC Santo Domingo COOPAC Santo Domingo
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
As of date 2011-12-31 2012-03-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

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

 		— 1.32%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		— 1.32%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		0.03% —
Loan loss rateLoan loss rate

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

 		0.03% —
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		— 822.63%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		21.20% 20.32%