Fassil FFP4

Fondo Financiero Privado Fassil

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Institutional Characteristics
Institutional Characteristics
MFI name Fassil FFP Fassil FFP
Annual DiamondsAnnual Diamonds

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4 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Assets 492,453,630 718,251,294
OfficesOffices

Number, including head office

96
+ PersonnelPersonnel

Total number of staff members

1,623
738
Financing Structure
Financing Structure
MFI name Fassil FFP Fassil FFP
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
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

7.28% 6.91%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

12.74 13.46
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

122.44% 113.59%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

76.15% 62.01%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

62.20% 54.59%
Outreach Indicators
Outreach Indicators
MFI name Fassil FFP Fassil FFP
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
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

58,333
58,333
0
30,072
28,218
43
43,673
14,660
Percent of female borrowers 48.37%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

58,373
57,802
255
215
0
0
1
100
43,703
14,670
58,373
0
58,373
0
0
30,093
28,237
43
1,606
24
0
0
1,582
56,767
11,801
9,488
0
2,313
0
44,966
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

306,297,290 392,105,142
305,188,770
304,578,641 390,703,612
610,129
583,739 708,914
581,173 621,833
2,566 87,081
0
2,566
0
2,566
524,780 692,616
236,133,909
70,163,381
306,297,290
0
306,297,290
0
0
178,216,570
109,032,488
19,048,232
60,264,413
15,727,641
0
0
44,536,772
246,032,877
45,618,220
15,231,550
0
30,386,670
0
200,414,657
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

5,251
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

245.38%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

5,247
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

245.21%
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

117,438
21
9
0
117,408
117,408
631
116,777
0
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

134,180
668
22
0
133,490
133,490
1,034
132,456
0
+ DepositsDeposits

Total value of all deposit accounts

375,025,563 445,387,428
235,269,567
15,135,259
0
124,620,737
124,620,737
41,581,066
83,039,671
0
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

3,193
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

149.00%
Overall Financial Performance
Overall Financial Performance
MFI name Fassil FFP Fassil FFP
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

1.37% 2.03%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

20.18% 28.56%
Operational self sufficiencyOperational self sufficiency

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

109.31%
Revenues
Revenues
MFI name Fassil FFP Fassil FFP
Annual DiamondsAnnual Diamonds

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4 -
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

16.42%
Profit marginProfit margin

Net Operating Income / Financial Revenue

8.51%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

18.02%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

7.44%
Expenses
Expenses
MFI name Fassil FFP Fassil FFP
Annual DiamondsAnnual Diamonds

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4 -
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

15.03%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

3.88%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

2.13%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

9.01%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

5.10%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

3.92%
Efficiency
Efficiency
MFI name Fassil FFP Fassil FFP
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

14.86%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

8.40%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

6.63
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

702
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

598
Productivity
Productivity
MFI name Fassil FFP Fassil FFP
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

36
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

36
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

90
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

91
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

72
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

83
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

39.74%
Risk And Liquidity
Risk And Liquidity
MFI name Fassil FFP Fassil FFP
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
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

0.36% 0.36%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

0.17% 0.20%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.95%
Loan loss rateLoan loss rate

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

0.75%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

837.38% 534.34%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

26.93% 11.58%