Caja Rural de Ahorro y Crédito Los Andes

CRAC Los Andes5

Caja Rural de Ahorro y Crédito Los Andes

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Institutional Characteristics

Institutional Characteristics
MFI name	CRAC Los Andes	CRAC Los Andes
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Assets	37,585,464	40,830,254
OfficesOffices Number, including head office	4	4
PersonnelPersonnel Total number of staff members	194	208

Financing Structure

Financing Structure
MFI name	CRAC Los Andes	CRAC Los Andes
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	-
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	13.15%	13.28%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	6.60	6.53
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	76.35%	79.99%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	64.43%	66.70%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	84.39%	83.38%

Outreach Indicators

Outreach Indicators
MFI name	CRAC Los Andes	CRAC Los Andes
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	-
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	21,336	21,801
Percent of female borrowers	—	—
Number of loans outstandingNumber of loans outstanding Number of loans outstanding	—	21,801
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	31,718,356	34,046,058
+ Delinquency
+ Less than one month	30,512,291	—
Not overdue	—	32,505,294
+ One month or more	—	1,414,453
From one to three months	488,889	671,611
+ More than three months	—	742,842
From three to six months	48,889	149,247
+ More than six months	—	593,596
From six to twelve months	478,519	593,596
One year or more	0	0
Renegotiated loans	189,768	126,310
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	1,487	1,562
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	—	1,562
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	16,487	17,142
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	—	17,142
DepositsDeposits Total value of all deposit accounts	24,216,020	27,234,987
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	1,469	1,589
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	—	1,589
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	CRAC Los Andes	CRAC Los Andes
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	-
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	5.08%	4.36%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	39.23%	33.00%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	136.02%	—

Revenues

Revenues
MFI name	CRAC Los Andes	CRAC Los Andes
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	-
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	29.43%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	26.48%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	34.69%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	CRAC Los Andes	CRAC Los Andes
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	-
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	21.64%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	7.59%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	2.06%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	11.99%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	6.91%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	5.08%	—

Efficiency

Efficiency
MFI name	CRAC Los Andes	CRAC Los Andes
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	-
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	14.42%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	8.31%	—
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	195	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	202	—

Productivity

Productivity
MFI name	CRAC Los Andes	CRAC Los Andes
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	-
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	110	105
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	—	105
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	85	82
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	—	82
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	—	—

Risk And Liquidity

Risk And Liquidity
MFI name	CRAC Los Andes	CRAC Los Andes
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	-
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	3.80%	4.53%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	2.26%	2.55%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.83%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.86%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	117.86%	107.94%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	13.70%	—

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CRAC Los Andes5

Caja Rural de Ahorro y Crédito Los Andes

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