Crediscotia Financiera

Crediscotia5

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Institutional Characteristics

Institutional Characteristics
MFI name	Crediscotia	Crediscotia
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Assets	1,294,976,296	1,402,777,075
OfficesOffices Number, including head office	85	89
+ PersonnelPersonnel Total number of staff members	2,739	2,841
+ Gender
Female	1,457	—

Financing Structure

Financing Structure
MFI name	Crediscotia	Crediscotia
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
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	12.85%	12.17%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	6.78	7.21
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	57.94%	60.61%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	52.59%	53.63%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	90.76%	88.49%

Outreach Indicators

Outreach Indicators
MFI name	Crediscotia	Crediscotia
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
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	714,169	1,406,289
+ Relationship
External customers	713,121	—
Management and staff	1,048	—
+ Gender
Male	320,070	—
Female	256,033	—
Legal entity	138,066	—
Percent of female borrowers	35.85%	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	771,082	1,480,924
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	771,082	—
+ Household financing	632,943	—
Consumption	632,672	—
Education	0	—
Mortgage housing	271	—
Household other	0	—
Microenterprise	138,139	—
+ Delinquency
Less than one month	727,858	—
+ One month or more	—	—
From one to three months	13,820	—
+ More than three months	—	—
From three to six months	6,756	—
+ More than six months	—	—
From six to twelve months	12,316	—
One year or more	59	—
Renegotiated loans	10,273	—
+ Methodology
Individual	771,082	—
Solidarity group	0	—
Village banking s h g	0	—
+ Relationship
External customers	769,950	—
Management and staff	1,132	—
+ Gender
Male	345,576	—
Female	276,437	—
Legal entity	149,069	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	1,175,347,407	1,241,252,561
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	1,175,347,407	—
+ Household financing	614,656,296	—
Consumption	613,916,667	—
Education	0	—
Mortgage housing	739,630	—
Household other	0	—
Microenterprise	560,691,111	—
+ Delinquency
+ Less than one month	1,109,460,370	—
Not overdue	—	1,169,760,723
+ One month or more	50,227,407	54,874,182
From one to three months	21,066,296	25,688,565
+ More than three months	29,161,111	29,185,616
From three to six months	10,298,148	9,812,054
+ More than six months	18,862,963	19,373,562
From six to twelve months	18,773,333	19,264,559
One year or more	89,630	109,003
Renegotiated loans	15,659,630	16,617,656
+ Methodology
Individual	1,175,347,407	—
Solidarity group	0	—
Village banking s h g	0	—
+ Relationship
External customers	1,174,175,926	—
Management and staff	1,171,481	—
+ Gender
Male	339,884,074	—
Female	258,285,926	—
Legal entity	577,177,407	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	1,646	883
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	1,524	838
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	528,876	543,965
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	1,283,381	1,358,832
+ DepositsDeposits Total value of all deposit accounts	681,001,852	752,332,946
+ Products (deposits)
Deposits from corporations	25,189,259	—
Deposits from financial institutions	304,533,704	—
Deposits from governments	99,644,074	—
+ Retail deposits	251,634,815	—
+ Voluntary deposits	251,634,815	—
Demand deposits	1,860,000	—
Time deposits	249,774,815	—
Compulsory deposits	0	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	1,288	1,383
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	531	554
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	Crediscotia	Crediscotia
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
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	2.91%	4.35%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	22.71%	34.98%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	114.94%	—

Revenues

Revenues
MFI name	Crediscotia	Crediscotia
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
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	33.42%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	13.00%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	32.96%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	Crediscotia	Crediscotia
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
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	29.07%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	6.41%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	9.23%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	13.44%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	5.58%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	7.86%	—

Efficiency

Efficiency
MFI name	Crediscotia	Crediscotia
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
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	15.05%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	6.25%	—
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	218	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	206	—

Productivity

Productivity
MFI name	Crediscotia	Crediscotia
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
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	261	495
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	282	521
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	932	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	1,007	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	193	191
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	469	478
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	27.97%	—

Risk And Liquidity

Risk And Liquidity
MFI name	Crediscotia	Crediscotia
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
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	5.61%	5.76%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	3.81%	3.69%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	8.03%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	4.58%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	133.91%	132.97%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	9.73%	—

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