FINCA - PER5

FINCA Peru

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Institutional Characteristics
Institutional Characteristics
MFI name FINCA - PER FINCA - PER
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-12-31
Assets 6,744,647 7,709,094
OfficesOffices

Number, including head office

5 5
+ PersonnelPersonnel

Total number of staff members

138 140
79
Financing Structure
Financing Structure
MFI name FINCA - PER FINCA - PER
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

59.05% 62.88%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

0.69
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

85.10% 75.40%
Outreach Indicators
Outreach Indicators
MFI name FINCA - PER FINCA - PER
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-12-31
As of date 2011-12-31 2012-12-31
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

17,007
16,982
25
2,224
14,779
4
9,444
7,563
Percent of female borrowers 86.90%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

18,108 17,927
17,669
40
100
158
141
0
927 247
234 1,060
16,947 16,620
10,156
7,952
18,083
25
2,302 2,157
15,799 15,770
7
0
0
0
0
0
18,108
18,108
0
0
0
0
0
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

5,739,744 5,812,925
5,607,559
132,185 162,762
12,704
119,481
17,321
102,160
59,393
42,767
0
755,321 249,883
178,625 466,710
4,805,798 5,096,333
3,073,624
2,666,120
5,712,084
27,660
1,048,115 771,331
4,658,031 5,041,595
33,599
0
0
0
0
0
5,739,744
5,739,744
0
0
0
0
0
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

337
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

6.66%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

317 324
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

6.25% 6.40%
+ 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 - PER FINCA - PER
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-12-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

6.11% 2.78%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

9.82% 4.54%
Operational self sufficiencyOperational self sufficiency

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

115.51% 107.66%
Revenues
Revenues
MFI name FINCA - PER FINCA - PER
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

45.52% 39.08%
Profit marginProfit margin

Net Operating Income / Financial Revenue

13.43% 7.11%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

55.62%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

51.01%
Expenses
Expenses
MFI name FINCA - PER FINCA - PER
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-12-31
Total expense/ assetsTotal expense/ assets

(Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets

39.41% 36.30%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

3.20% 3.17%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

2.34%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

33.86% 33.14%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

22.72%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

11.14% 33.14%
Efficiency
Efficiency
MFI name FINCA - PER FINCA - PER
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

44.53% 45.78%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

29.87%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

1.96
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

121
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

117 145
Productivity
Productivity
MFI name FINCA - PER FINCA - PER
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

123
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

131 128
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

354
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

377 373
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

34.78% 34.29%
Risk And Liquidity
Risk And Liquidity
MFI name FINCA - PER FINCA - PER
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

5 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-12-31
As of date 2011-12-31 2012-12-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

2.30% 2.80%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

2.08%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.73%
Loan loss rateLoan loss rate

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

0.65%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

180.62% 160.30%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

7.13% 14.39%