Servicios para el Desarollo Comunitario, S.A. de C.V.

CrediComún4

Servicios para el Desarollo Comunitario, S.A. de C.V.

Currency:

Institutional Characteristics

Institutional Characteristics
MFI name	CrediComún	CrediComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	2	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Assets	16,792,545	—
OfficesOffices Number, including head office	46	—
+ PersonnelPersonnel Total number of staff members	441	—
+ Gender
Female	226	—

Financing Structure

Financing Structure
MFI name	CrediComún	CrediComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	2	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	10.67%	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	8.38	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	23.66%	—
Deposits to total assetsDeposits to total assets Deposits / Total Assets	15.38%	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	65.00%	—

Outreach Indicators

Outreach Indicators
MFI name	CrediComún	CrediComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	2	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
As of date	2011-12-31	2011-12-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	40,297	—
+ Location
Urban	15,619	—
Rural	24,678	—
+ Gender
Male	716	—
Female	39,581	—
Legal entity	0	—
Percent of female borrowers	98.22%	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	41,706	—
+ Gender
Male	732	—
Female	40,974	—
Legal entity	0	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	41,706	—
+ Household financing	0	—
Consumption	0	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	41,706	—
+ Location
Urban	16,246	—
Rural	25,460	—
+ Methodology
Individual	1,349	—
Solidarity group	0	—
Village banking s h g	40,357	—
+ Delinquency
Less than one month	32,974	—
+ One month or more	—	—
From one to three months	2,275	—
+ More than three months	—	—
From three to six months	2,205	—
+ More than six months	—	—
From six to twelve months	2,115	—
One year or more	2,137	—
Renegotiated loans	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	10,914,337	10,914,356
+ Gender
Male	276,989	—
Female	10,637,348	—
Legal entity	0	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	10,914,337	—
+ Household financing	0	—
Consumption	0	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	10,914,337	—
+ Location
Urban	4,393,477	—
Rural	6,520,860	—
+ Methodology
Individual	437,921	—
Solidarity group	0	—
Village banking s h g	10,476,416	—
+ Delinquency
Less than one month	9,611,613	—
+ One month or more	1,302,724	—
From one to three months	359,642	—
+ More than three months	943,082	—
From three to six months	294,982	—
+ More than six months	648,100	—
From six to twelve months	306,093	—
One year or more	342,007	—
Renegotiated loans	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	271	—
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	262	—
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	40,297	—
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	40,297	—
DepositsDeposits Total value of all deposit accounts	2,582,509	2,582,492
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	64	—
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	64	—
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	CrediComún	CrediComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	2	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	—	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—	—

Revenues

Revenues
MFI name	CrediComún	CrediComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	2	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—	—
Profit marginProfit margin Net Operating Income / Financial Revenue	—	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	CrediComún	CrediComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	2	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	0.75%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.75%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—	—

Efficiency

Efficiency
MFI name	CrediComún	CrediComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	2	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	—	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—	—
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	CrediComún	CrediComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	2	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	91	—
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	95	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	104	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	108	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	91	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	91	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	87.76%	—

Risk And Liquidity

Risk And Liquidity
MFI name	CrediComún	CrediComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	2	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
As of date	2011-12-31	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	11.94%	—
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	8.64%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.00%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.00%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	19.89%	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	19.47%	—

MFI Report

CrediComún4

Servicios para el Desarollo Comunitario, S.A. de C.V.

Select i

Report Periodi

Report Typei

Compare to Benchmarksi

Global Partners