FATEN4

Palestine for Credit & Development

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Institutional Characteristics
Institutional Characteristics
MFI name FATEN FATEN
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 29,431,365 —
OfficesOffices

Number, including head office

 		13 —
+ PersonnelPersonnel

Total number of staff members

 		80 —
42 —
Financing Structure
Financing Structure
MFI name FATEN FATEN
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

 		57.34% —
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		0.74 —
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

 		91.93% —
Outreach Indicators
Outreach Indicators
MFI name FATEN FATEN
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

 		14,114 14,911
14,073 —
41 —
3,105 —
11,009 11,556
0 —
7,763 —
6,351 —
Percent of female borrowers 78.00% 77.50%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		14,114 —
12,868 —
— —
829 —
— —
274 —
— —
112 —
0 —
31 —
7,763 —
6,351 —
0 —
0 —
0 —
14,114 —
1,315 —
0 —
0 —
1,315 —
0 —
12,799 —
14,073 —
41 —
13,039 —
1,075 —
0 —
3,105 —
11,009 —
0 —
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		27,057,330 30,097,192
26,315,614 —
609,384 635,051
324,000 —
285,384 —
201,168 —
84,216 —
84,216 —
0 —
132,332 —
12,881,531 —
14,175,799 —
0 —
0 —
0 —
27,057,330 —
3,347,989 —
0 —
0 —
3,347,989 —
0 —
23,709,341 —
26,752,122 —
305,208 —
25,870,135 —
1,187,195 —
0 —
6,223,186 —
20,834,144 —
0 —
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		1,917 2,018
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

 		1,917 —
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 —
0 —
0 —
0 —
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

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

Total value of all deposit accounts

 		0 —
0 —
0 —
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 FATEN FATEN
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

 		8.11% —
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		13.17% —
Operational self sufficiencyOperational self sufficiency

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

 		165.56% —
Revenues
Revenues
MFI name FATEN FATEN
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

 		20.47% —
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		39.60% —
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		18.30% —
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

 		— —
Expenses
Expenses
MFI name FATEN FATEN
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

 		12.36% —
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		3.83% —
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		0.35% —
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		8.19% —
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		4.82% —
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		3.37% —
Efficiency
Efficiency
MFI name FATEN FATEN
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

 		8.29% —
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		4.87% —
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

 		161 —
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		168 —
Productivity
Productivity
MFI name FATEN FATEN
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

 		176 —
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		176 —
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		288 —
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		288 —
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

 		61.25% —
Risk And Liquidity
Risk And Liquidity
MFI name FATEN FATEN
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

 		2.74% 2.11%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		1.54% —
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		0.07% —
Loan loss rateLoan loss rate

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

 		0.03% —
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		240.96% —
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		9.16% —