Financiera Edyficar5

Financiera Edyficar S.A.

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Institutional Characteristics
Institutional Characteristics
MFI name Financiera Edyficar Financiera Edyficar
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Assets 578,347,407 919,821,083
OfficesOffices

Number, including head office

 		124 128
+ PersonnelPersonnel

Total number of staff members

 		2,132 2,855
984 —
Financing Structure
Financing Structure
MFI name Financiera Edyficar Financiera Edyficar
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		13.44% 7.78%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		6.44 11.86
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		37.19% 68.73%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		32.54% 40.76%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		87.50% 59.30%
Outreach Indicators
Outreach Indicators
MFI name Financiera Edyficar Financiera Edyficar
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		356,099 373,926
356,008 —
91 —
185,206 —
169,852 —
1,041 —
258,060 —
98,039 —
Percent of female borrowers 47.70% —
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		381,968 375,077
364,958 —
— —
4,045 —
— —
1,151 —
— —
10,581 —
83 —
1,150 —
278,650 —
103,318 —
163 —
0 —
0 —
381,805 —
61,918 —
61,705 —
0 —
213 —
0 —
319,887 —
381,873 —
95 —
381,968 —
0 —
0 —
196,503 —
184,334 —
1,131 —
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		506,045,556 545,483,530
506,045,556 —
0 —
0 —
483,511,111 —
— 521,400,498
21,010,741 22,618,649
5,358,519 6,651,321
15,652,222 15,967,328
1,524,815 1,454,514
14,127,407 14,512,814
14,017,778 14,397,098
109,630 115,716
1,523,704 1,464,384
382,335,926 —
123,709,630 —
4,913,704 —
0 —
0 —
501,131,852 —
47,530,370 —
44,657,778 —
0 —
2,872,593 —
0 —
453,601,481 —
505,929,630 —
115,926 —
268,250,370 —
226,988,889 —
10,806,296 —
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		1,421 1,459
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

 		1,325 1,454
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

 		1,218 1,361
0 —
16 —
7 —
1,195 —
1,195 —
0 —
1,195 —
0 —
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		1,278 1,361
0 —
65 —
13 —
1,200 —
1,200 —
0 —
1,200 —
0 —
+ DepositsDeposits

Total value of all deposit accounts

 		188,201,481 374,934,323
0 —
155,601,111 —
31,668,148 —
932,222 —
932,222 —
0 —
932,222 —
0 —
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

 		154,517 275,484
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 Financiera Edyficar Financiera Edyficar
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		4.63% 3.72%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		35.08% 37.34%
Operational self sufficiencyOperational self sufficiency

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

 		131.34% —
Revenues
Revenues
MFI name Financiera Edyficar Financiera Edyficar
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		27.44% —
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		23.86% —
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		31.80% —
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

 		— —
Expenses
Expenses
MFI name Financiera Edyficar Financiera Edyficar
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		20.90% —
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		4.36% —
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		3.73% —
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		12.80% —
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		9.03% —
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		3.77% —
Efficiency
Efficiency
MFI name Financiera Edyficar Financiera Edyficar
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		15.09% —
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		10.65% —
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

 		198 —
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		186 —
Productivity
Productivity
MFI name Financiera Edyficar Financiera Edyficar
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		167 131
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		179 131
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		281 —
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		301 —
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		1 0
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		1 0
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		59.47% —
Risk And Liquidity
Risk And Liquidity
MFI name Financiera Edyficar Financiera Edyficar
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 -
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

 		4.45% 4.41%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		3.39% 3.20%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		2.01% —
Loan loss rateLoan loss rate

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

 		0.30% —
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		144.11% 147.61%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		12.26% —