FINCA Afghanistan

FINCA - AFG3

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Institutional Characteristics

Institutional Characteristics
MFI name	FINCA - AFG
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Assets	5,737,419
OfficesOffices Number, including head office	15
PersonnelPersonnel Total number of staff members	212

Financing Structure

Financing Structure
MFI name	FINCA - AFG
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	94.54%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	0.06
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	58.55%

Outreach Indicators

Outreach Indicators
MFI name	FINCA - AFG
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
As of date	2011-12-31
Currency	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	11,291
+ Relationship
External customers	11,291
+ Location
Urban	10,723
Rural	568
+ Gender
Male	2,007
Female	9,284
Percent of female borrowers	82.22%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	11,291
+ Location
Urban	10,723
Rural	568
+ Delinquency
Less than one month	11,176
+ One month or more	—
From one to three months	65
+ More than three months	—
From three to six months	43
+ More than six months	—
From six to twelve months	7
One year or more	0
Renegotiated loans	0
+ Methodology
Individual	2,085
Solidarity group	9,206
Village banking s h g	0
+ Relationship
External customers	11,291
+ Products (credit)
+ Retail loans	11,291
Microenterprise	11,291
+ Gender
Male	2,007
Female	9,284
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	3,359,378
+ Location
Urban	3,149,009
Rural	210,369
+ Delinquency
Less than one month	3,352,359
+ One month or more	7,019
From one to three months	2,556
+ More than three months	4,463
From three to six months	3,575
+ More than six months	888
From six to twelve months	888
One year or more	0
Renegotiated loans	0
+ Methodology
Individual	1,841,394
Solidarity group	1,517,984
Village banking s h g	0
+ Relationship
External customers	3,359,378
+ Products (credit)
+ Retail loans	3,359,378
Microenterprise	3,359,378
+ Gender
Male	1,799,476
Female	1,559,902
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	298
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	298
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
+ Products (deposits)
+ Retail deposits	0
Voluntary deposits	0
Compulsory deposits	0
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	0
+ Products (deposits)
+ Retail deposits	0
Voluntary deposits	0
Compulsory deposits	0
+ DepositsDeposits Total value of all deposit accounts	0
+ Products (deposits)
+ Retail deposits	0
Voluntary deposits	0
Compulsory deposits	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	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	—
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	—

Overall Financial Performance

Overall Financial Performance
MFI name	FINCA - AFG
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	46.81%

Revenues

Revenues
MFI name	FINCA - AFG
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—
Profit marginProfit margin Net Operating Income / Financial Revenue	-113.64%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	32.60%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—

Expenses

Expenses
MFI name	FINCA - AFG
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—

Efficiency

Efficiency
MFI name	FINCA - AFG
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	108.56%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	63.62%
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	291
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	291

Productivity

Productivity
MFI name	FINCA - AFG
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	53
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	53
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	119
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	119
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	44.81%

Risk And Liquidity

Risk And Liquidity
MFI name	FINCA - AFG
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
As of date	2011-12-31
Currency	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	0.21%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.13%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.69%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.69%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	258.38%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	10.87%

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FINCA - AFG3

FINCA Afghanistan

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