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FAPE5Fundacion de Asistencia para la Pequeña Empresa

Indicators
Currency
Years
  • Total assets
  • Gross loan portfolio
  • Total equity

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
Total assets 359,834 460,796 547,903 617,972 741,355
Offices 1 1 1 1 1
Personnel 22 24 24 24 24

Financing Structure

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Capital/asset ratio 30.82% 33.50% 39.62% 46.49% 47.09%
Debt to equity ratio 2.25 1.99 1.52 1.15 1.12
Deposits to loans 0.00% 0.00% 0.00% 0.00% 0.00%
Deposits to total assets 0.00% 0.00% 0.00% 0.00% 0.00%
Gross loan portfolio to total assets 84.51% 64.44% 78.33% 86.51% 78.46%

Outreach

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
+ Number of active borrowers 2,465 2,284 3,157 2,881 2,740
— — — — — 126
— 2,235 2,101 2,999 2,729 2,614
— — — — — 2,740
— — — — — 2,740
— — — — — 2,740
— — — — — 120
— — — — — 6
— — — — — 2,614
— — — — — 2,740
Percent of women borrowers 90.67% 91.99% 95.00% 94.72% 95.40%
+ Number of outstanding loans 2,465 2,284 3,157 2,881 2,740
— — — — — 120
— — — — — 6
— — — — — 2,614
— — — — — 2,740
— — — — — 2,740
— — — — — 126
— — — — — 2,614
— 2,247 2,056 3,134 2,770 2,360
— — — — — —
— 65 22 9 14 160
— — — — — —
— 130 137 6 17 73
— — — — — —
— 23 69 8 80 147
— 0 0 0 0 0
— 0 0 0 0 0
— — — — — 2,740
— — — — — 2,740
+ Gross loan portfolio 304,096 296,943 429,184 534,588 581,672
— — — — — 93,954
— — — — — 2,815
— — — — — 484,903
— — — — — 581,672
— — — — — 581,672
— — — — — 30,968
— — — — — 550,705
— 283,226 267,494 409,699 500,096 500,371
— 20,870 29,449 19,485 34,492 —
— 3,272 1,864 6,832 3,564 34,522
— — — — — —
— 15,881 17,000 2,582 4,546 15,625
— — — — — —
— 1,717 10,585 10,070 26,383 31,154
— 0 0 0 0 0
— 0 0 0 0 0
— — — — — 581,672
— — — — — 581,672
Average loan balance per borrower 123 130 136 186 212
Average loan balance borrower per borrower / GNI per capita 6.39% 6.25% 6.04% 7.57% 8.66%
Average outstanding balance 123 130 136 186 212
Average outstanding balance / GNI per capita 6.39% 6.25% 6.04% 7.57% 8.66%
Number of depositors — 2,268 0 0 0
Number of deposit accounts — 2,268 0 0 0
+ Deposits 0 0 0 0 0
— 0 0 0 0 —
— 0 0 0 0 —
— 0 0 0 0 —
— 0 0 0 0 —
— 0 0 0 0 —
Average deposit balance per depositor — 0 — — —
Average deposit balance per depositor / GNI per capita — 0.00% — — —
Average deposit account balance — 0 — — —
Average deposit account balance / GNI per capita — 0 — — —

Overall Financial Performance

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Return on assets 1.33% 0.38% -0.61% 2.76% 3.84%
Return on equity 4.37% 1.18% -1.65% 6.39% 8.20%
Operational self sufficiency 103.20% 100.86% 98.59% 109.60% 114.12%

Revenues

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Financial revenue/ assets 42.73% 45.08% 42.25% 47.76% 47.23%
Profit margin 3.10% 0.85% -1.43% 8.76% 12.38%
Yield on gross portfolio (nominal) 54.58% 60.74% 57.03% 56.03% 55.44%
Yield on gross portfolio (real) 41.52% 48.05% 48.44% 43.48% 42.94%

Expenses

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Total expense/ assets 41.40% 44.70% 42.86% 43.58% 41.39%
Financial expense/ assets 1.43% 0.60% 1.61% 1.81% 1.50%
Provision for loan impairment/ assets -3.90% -1.04% -0.76% 0.54% 2.64%
Operating expense/ assets 43.87% 45.14% 42.01% 41.23% 37.25%
Personnel expense/ assets 27.42% 28.02% 26.01% 22.98% 26.26%
Administrative expense/ assets 16.45% 17.12% 16.00% 18.25% 10.99%

Efficiency

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Operating expense/ loan portfolio 56.92% 61.63% 58.36% 49.88% 45.36%
Personnel expense/ loan portfolio 35.58% 38.25% 36.13% 27.80% 31.98%
Average salary/ GNI per capita 2.61 2.40 2.43 2.28 3.04
Cost per borrower 70 78 78 80 90
Cost per loan — 78 78 80 90

Productivity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Borrowers per staff member 112 95 132 120 114
Loans per staff member 112 95 132 120 114
Borrowers per loan officer 145 134 166 152 183
Loans per loan officer 145 134 166 152 183
Depositors per staff member — 95 0 0 0
Deposit accounts per staff member — 95 0 0 0
Personnel allocation ratio 77.27% 70.83% 79.17% 79.17% 62.50%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Portfolio at risk > 30 days 6.86% 9.92% 4.54% 6.45% 13.98%
Portfolio at risk > 90 days 5.79% 9.29% 2.95% 5.79% 8.04%
Write-off ratio 0.00% 2.82% 0.00% 0.00% 2.79%
Loan loss rate -7.78% 1.15% -2.17% 0.00% 2.91%
Risk coverage 78.53% 30.25% 66.06% 46.50% 21.46%
Non-earning liquid assets as a % of total assets 8.95% 25.74% 12.48% 7.57% 18.17%