FUNDACIÓN DELAMUJER

FMM Bucaramanga3

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Institutional Characteristics

Institutional Characteristics
MFI name	FMM Bucaramanga	FMM Bucaramanga
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Assets	191,510,186	212,079,152
OfficesOffices Number, including head office	—	140
+ PersonnelPersonnel Total number of staff members	—	1,587
+ Gender
Female	—	1,038

Financing Structure

Financing Structure
MFI name	FMM Bucaramanga	FMM Bucaramanga
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	36.42%	34.27%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	1.75	1.92
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	88.71%	88.05%

Outreach Indicators

Outreach Indicators
MFI name	FMM Bucaramanga	FMM Bucaramanga
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
As of date	2011-06-30	2011-12-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	—	226,246
+ Relationship
External customers	—	226,246
Management and staff	—	0
+ Gender
Male	—	71,922
Female	—	154,324
Legal entity	—	0
+ Location
Urban	—	159,782
Rural	—	66,464
Percent of female borrowers	—	68.21%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	—	283,985
+ Delinquency
Less than one month	—	272,773
+ One month or more	—	—
From one to three months	—	4,423
+ More than three months	—	—
From three to six months	—	3,581
+ More than six months	—	—
From six to twelve months	—	1,871
One year or more	—	1,143
Renegotiated loans	—	194
+ Location
Urban	—	210,149
Rural	—	73,836
+ Products (credit)
Loans to corporations	—	0
Loans to financial institutions	—	0
Loans to governments	—	0
+ Retail loans	—	283,985
+ Household financing	—	6
Consumption	—	6
Education	—	0
Mortgage housing	—	0
Household other	—	0
Microenterprise	—	283,979
+ Relationship
External customers	—	283,985
Management and staff	—	0
+ Methodology
Individual	—	279,587
Solidarity group	—	0
Village banking s h g	—	4,398
+ Gender
Male	—	88,035
Female	—	195,950
Legal entity	—	0
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	169,882,662	186,733,347
+ Delinquency
Less than one month	—	183,082,676
+ One month or more	—	3,473,168
From one to three months	—	1,448,916
+ More than three months	—	2,024,252
From three to six months	—	1,083,075
+ More than six months	—	941,176
From six to twelve months	—	537,668
One year or more	—	403,509
Renegotiated loans	—	177,503
+ Location
Urban	—	141,153,883
Rural	—	45,579,463
+ Products (credit)
Loans to corporations	—	0
Loans to financial institutions	—	0
Loans to governments	—	0
+ Retail loans	—	186,733,347
+ Household financing	—	2,182
Consumption	—	2,182
Education	—	0
Mortgage housing	—	0
Household other	—	0
Microenterprise	—	186,731,165
+ Relationship
External customers	—	186,733,347
Management and staff	—	0
+ Methodology
Individual	—	186,459,942
Solidarity group	—	0
Village banking s h g	—	273,405
+ Gender
Male	—	61,098,555
Female	—	125,634,792
Legal entity	—	0
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	—	825
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	—	658
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
Demand deposits	—	0
Time 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
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	0
+ DepositsDeposits Total value of all deposit accounts	—	0
+ Products (deposits)
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time 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	FMM Bucaramanga	FMM Bucaramanga
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	8.36%	7.68%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	23.05%	21.77%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	130.10%	126.28%

Revenues

Revenues
MFI name	FMM Bucaramanga	FMM Bucaramanga
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	37.62%	36.90%
Profit marginProfit margin Net Operating Income / Financial Revenue	23.14%	20.81%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	40.67%	41.40%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	37.54%	—

Expenses

Expenses
MFI name	FMM Bucaramanga	FMM Bucaramanga
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	28.91%	29.22%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	5.23%	6.05%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	2.05%	1.16%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	21.64%	22.00%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	10.98%	11.53%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	10.66%	10.47%

Efficiency

Efficiency
MFI name	FMM Bucaramanga	FMM Bucaramanga
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	24.12%	24.64%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	12.24%	12.91%
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	—	158

Productivity

Productivity
MFI name	FMM Bucaramanga	FMM Bucaramanga
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	—	143
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	—	179
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	—	287
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	—	360
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	—	49.72%

Risk And Liquidity

Risk And Liquidity
MFI name	FMM Bucaramanga	FMM Bucaramanga
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
As of date	2011-06-30	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	—	1.96%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	—	1.18%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—	1.42%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—	0.79%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—	176.74%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	1.21%	1.56%

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FMM Bucaramanga3

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