CrediAvance3

CrediAvance, S.A. de C.V. SOFOM ENR

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Institutional Characteristics
Institutional Characteristics
MFI name CrediAvance CrediAvance
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Assets 11,005,453
OfficesOffices

Number, including head office

18
PersonnelPersonnel

Total number of staff members

110
Financing Structure
Financing Structure
MFI name CrediAvance CrediAvance
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

17.10%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

4.85
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

3.64%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

3.42%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

94.12%
Outreach Indicators
Outreach Indicators
MFI name CrediAvance CrediAvance
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
As of date 2012-12-31 2013-12-31
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

16,524 54,973
14,045
10,740
5,784
Percent of female borrowers 85.00%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

16,524
10,740
5,784
4,266
12,258
0
16,524
0
0
0
0
0
16,524
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

10,358,520 21,275,208
9,217,089
1,141,432
457,901 940,364
7,507,160
2,851,360
0
10,358,520
0
0
0
0
0
10,358,520
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

627 387
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

6.22% 3.84%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

627
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

6.22%
Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

+ DepositsDeposits

Total value of all deposit accounts

376,547
376,547
0
376,547
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

Overall Financial Performance
Overall Financial Performance
MFI name CrediAvance CrediAvance
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

-1.71%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

-9.33%
Operational self sufficiencyOperational self sufficiency

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

94.46%
Revenues
Revenues
MFI name CrediAvance CrediAvance
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

28.39%
Profit marginProfit margin

Net Operating Income / Financial Revenue

-5.86%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

35.46%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

31.04%
Expenses
Expenses
MFI name CrediAvance CrediAvance
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Total expense/ assetsTotal expense/ assets

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

30.05%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

5.51%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

5.05%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

19.49%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

11.85%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

7.65%
Efficiency
Efficiency
MFI name CrediAvance CrediAvance
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

24.50%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

14.89%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

1.14
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

180
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

150
Productivity
Productivity
MFI name CrediAvance CrediAvance
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

150
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

150
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

312 1,057
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

312
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

48.18%
Risk And Liquidity
Risk And Liquidity
MFI name CrediAvance CrediAvance
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
As of date 2012-12-31 2013-12-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

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

11.02%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

4.42% 4.42%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.02% 29.67%
Loan loss rateLoan loss rate

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

0.02%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

66.81%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

4.91%