Servicios Financieros Comunitarios, S.A. de C.V. SOFIPO

FinComún4

Servicios Financieros Comunitarios, S.A. de C.V. SOFIPO

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Institutional Characteristics

Institutional Characteristics
MFI name	FinComún	FinComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Assets	68,901,075	—
OfficesOffices Number, including head office	88	—
PersonnelPersonnel Total number of staff members	1,035	—

Financing Structure

Financing Structure
MFI name	FinComún	FinComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	26.51%	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	2.77	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	76.12%	74.11%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	54.60%	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	71.72%	—

Outreach Indicators

Outreach Indicators
MFI name	FinComún	FinComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
As of date	2011-12-31	2011-12-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	50,900	69,572
+ Gender
Female	29,013	—
Percent of female borrowers	57.00%	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	50,900	—
+ Delinquency
+ One month or more	—	—
+ More than three months	—	—
+ More than six months	—	—
One year or more	0	—
+ Methodology
Individual	50,900	—
Solidarity group	0	—
Village banking s h g	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	49,417,204	50,755,224
+ Products (credit)
+ Retail loans	49,417,204	—
+ Household financing	21,080,000	—
Consumption	21,019,068	—
Education	0	—
Mortgage housing	60,932	—
Household other	0	—
Microenterprise	28,337,204	—
+ Delinquency
Less than one month	44,365,448	—
+ One month or more	4,276,129	—
From one to three months	2,248,459	—
+ More than three months	2,027,670	—
From three to six months	1,554,122	—
+ More than six months	473,548	—
From six to twelve months	473,548	—
One year or more	0	—
Renegotiated loans	775,627	—
+ Methodology
Individual	49,417,204	—
Solidarity group	0	—
Village banking s h g	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	971	730
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	971	—
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	85,358	19,158
+ Products (deposits)
+ Retail deposits	85,358	—
Voluntary deposits	85,358	—
Compulsory deposits	0	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	85,358	—
+ Products (deposits)
+ Retail deposits	85,358	—
Voluntary deposits	85,358	—
Compulsory deposits	0	—
+ DepositsDeposits Total value of all deposit accounts	37,617,133	37,617,101
+ Products (deposits)
+ Retail deposits	37,617,133	—
+ Voluntary deposits	37,617,133	—
Demand deposits	8,638,853	—
Time deposits	28,978,280	—
Compulsory deposits	0	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	441	1,964
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	441	—
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	FinComún	FinComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	-3.67%	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	-13.73%	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	91.52%	—

Revenues

Revenues
MFI name	FinComún	FinComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	54.82%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	-9.26%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	76.57%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	FinComún	FinComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	59.90%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	5.22%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	10.23%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	44.45%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	28.23%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	16.22%	—

Efficiency

Efficiency
MFI name	FinComún	FinComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	64.35%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	40.87%	—
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	524	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	573	—

Productivity

Productivity
MFI name	FinComún	FinComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	49	—
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	49	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	129	176
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	129	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	82	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	82	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	38.26%	—

Risk And Liquidity

Risk And Liquidity
MFI name	FinComún	FinComún
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
As of date	2011-12-31	2011-12-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	10.22%	8.43%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	5.67%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	15.82%	20.08%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	14.68%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	55.19%	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	2.63%	—

MFI Report

FinComún4

Servicios Financieros Comunitarios, S.A. de C.V. SOFIPO

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