CREDITUYO4

Servicios Financieros de Desarrollo Comunitario, S.A. de C.V. SOFOM ENR

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Institutional Characteristics
Institutional Characteristics
MFI name CREDITUYO CREDITUYO
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
Currency USD USD
Fiscal year 2011 2011
Period type ANN QTR
As of date 2011-12-31 2011-12-31
Assets 7,972,610 —
OfficesOffices

Number, including head office

 		15 —
PersonnelPersonnel

Total number of staff members

 		128 —
Financing Structure
Financing Structure
MFI name CREDITUYO CREDITUYO
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		23.61% —
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		3.24 —
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		0.00% —
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		0.00% —
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		49.57% —
Outreach Indicators
Outreach Indicators
MFI name CREDITUYO CREDITUYO
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		9,048 9,048
5,864 —
Percent of female borrowers 64.81% —
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		9,048 —
— —
— —
— —
0 —
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		3,952,024 3,952,024
3,761,039 —
190,985 —
183,028 —
7,957 —
7,957 —
0 —
0 —
0 —
0 —
3,952,024 —
1,790,326 —
949,461 —
0 —
840,865 —
0 —
2,161,698 —
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		437 437
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

 		437 —
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

 		0 —
0 —
0 —
0 —
0 —
0 —
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		0 —
0 —
0 —
0 —
0 —
0 —
+ DepositsDeposits

Total value of all deposit accounts

 		0 —
0 —
0 —
0 —
0 —
0 —
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 CREDITUYO CREDITUYO
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		5.01% —
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		18.57% —
Operational self sufficiencyOperational self sufficiency

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

 		110.33% —
Revenues
Revenues
MFI name CREDITUYO CREDITUYO
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		53.50% —
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		9.36% —
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		91.02% —
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

 		— —
Expenses
Expenses
MFI name CREDITUYO CREDITUYO
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		48.50% —
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		9.29% —
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		4.32% —
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		34.89% —
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		22.78% —
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		12.11% —
Efficiency
Efficiency
MFI name CREDITUYO CREDITUYO
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		64.73% —
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		42.27% —
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

 		318 —
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		338 —
Productivity
Productivity
MFI name CREDITUYO CREDITUYO
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		71 —
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		71 —
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		87 87
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		87 —
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		0 —
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		0 —
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		81.25% —
Risk And Liquidity
Risk And Liquidity
MFI name CREDITUYO CREDITUYO
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		4.83% 4.83%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		0.20% —
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		6.86% 7.60%
Loan loss rateLoan loss rate

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

 		4.83% —
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		80.33% —
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		12.45% —