FINCA - AZE4

FINCA Azerbaijan

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Institutional Characteristics
Institutional Characteristics
MFI name FINCA - AZE FINCA - AZE
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 127,480,000 135,243,304
OfficesOffices

Number, including head office

 		27 61
+ PersonnelPersonnel

Total number of staff members

 		811 796
292 —
Financing Structure
Financing Structure
MFI name FINCA - AZE FINCA - AZE
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

 		21.60% 22.56%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		3.63 —
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

 		91.94% 88.10%
Outreach Indicators
Outreach Indicators
MFI name FINCA - AZE FINCA - AZE
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

 		119,867 121,448
— —
119,829 121,415
119,726 —
141 —
81,103 —
38,764 38,438
0 —
48,874 —
70,993 —
Percent of female borrowers 32.34% 31.65%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		119,932 —
119,699 —
— —
108 —
— —
107 —
— —
0 —
0 —
18 —
48,905 —
71,027 —
1,728 —
0 —
0 —
118,204 —
141 —
0 —
0 —
0 —
141 —
118,063 —
119,791 —
141 —
32,887 —
87,045 —
0 —
81,168 —
38,764 —
0 —
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		117,207,401 119,152,030
116,937,942 —
226,801 262,134
126,250 —
100,551 —
100,551 —
0 —
0 —
0 —
42,658 —
56,683,092 —
60,524,309 —
11,055,265 —
0 —
0 —
106,152,136 —
644,477 —
0 —
0 —
0 —
644,477 —
105,507,659 118,471,030
116,562,924 —
644,477 —
48,520,423 —
68,686,978 —
0 —
83,839,309 —
33,368,092 —
0 —
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		978 981
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

 		977 —
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 FINCA - AZE FINCA - AZE
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

 		9.61% —
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		47.19% —
Operational self sufficiencyOperational self sufficiency

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

 		144.83% —
Revenues
Revenues
MFI name FINCA - AZE FINCA - AZE
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

 		38.55% —
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		30.95% —
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		42.74% —
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 - AZE FINCA - AZE
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

 		26.62% —
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		7.21% —
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

 		19.06% —
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		11.59% —
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		7.47% —
Efficiency
Efficiency
MFI name FINCA - AZE FINCA - AZE
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

 		21.29% —
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		12.95% —
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

 		194 —
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		200 —
Productivity
Productivity
MFI name FINCA - AZE FINCA - AZE
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

 		148 153
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		148 —
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		333 —
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		333 —
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

 		44.39% —
Risk And Liquidity
Risk And Liquidity
MFI name FINCA - AZE FINCA - AZE
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

 		0.23% 0.22%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		0.12% —
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		0.35% 0.08%
Loan loss rateLoan loss rate

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

 		0.35% —
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		316.19% —
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		6.54% —