Caja Rural de Ahorro y Crédito Profinanzas

CRAC Profinanzas3

Caja Rural de Ahorro y Crédito Profinanzas

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Institutional Characteristics

Institutional Characteristics
MFI name	CRAC Profinanzas	CRAC Profinanzas
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	94,142,517	101,014,782
OfficesOffices Number, including head office	16	16
PersonnelPersonnel Total number of staff members	391	415

Financing Structure

Financing Structure
MFI name	CRAC Profinanzas	CRAC Profinanzas
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	10.02%	9.47%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	8.98	9.56
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	103.94%	106.81%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	79.62%	80.71%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	76.60%	75.56%

Outreach Indicators

Outreach Indicators
MFI name	CRAC Profinanzas	CRAC Profinanzas
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	23,560	24,265
Percent of female borrowers	—	—
Number of loans outstandingNumber of loans outstanding Number of loans outstanding	—	25,041
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	72,110,275	76,328,788
+ Delinquency
+ Less than one month	65,902,746	—
Not overdue	—	69,452,205
+ One month or more	—	3,686,174
From one to three months	438,889	753,325
+ More than three months	—	2,932,849
From three to six months	254,074	234,043
+ More than six months	—	2,698,806
From six to twelve months	2,180,741	2,698,806
One year or more	0	0
Renegotiated loans	3,333,826	3,190,409
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	3,061	3,146
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	—	3,048
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	11,710	11,845
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	—	11,845
DepositsDeposits Total value of all deposit accounts	74,953,675	81,528,680
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	6,401	6,883
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	—	6,883
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 Profinanzas	CRAC Profinanzas
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	0.16%	0.48%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	1.71%	4.90%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	101.73%	—

Revenues

Revenues
MFI name	CRAC Profinanzas	CRAC Profinanzas
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	22.68%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	1.71%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	29.65%	—
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 Profinanzas	CRAC Profinanzas
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	22.29%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	8.13%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	3.02%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	11.14%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	6.39%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	4.75%	—

Efficiency

Efficiency
MFI name	CRAC Profinanzas	CRAC Profinanzas
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	15.41%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	8.83%	—
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	427	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	407	—

Productivity

Productivity
MFI name	CRAC Profinanzas	CRAC Profinanzas
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	60	58
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	—	60
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	30	29
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	—	29
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	—	—

Risk And Liquidity

Risk And Liquidity
MFI name	CRAC Profinanzas	CRAC Profinanzas
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	8.61%	9.01%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	8.00%	8.02%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	1.45%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	1.35%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	86.95%	89.99%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	18.28%	—

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CRAC Profinanzas3

Caja Rural de Ahorro y Crédito Profinanzas

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