IDEPRO Desarrollo Empresarial

IDEPRO5

IDEPRO Desarrollo Empresarial

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Institutional Characteristics

Institutional Characteristics
MFI name	IDEPRO	IDEPRO
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	29,205,579	29,931,072
OfficesOffices Number, including head office	17	17
+ PersonnelPersonnel Total number of staff members	143	142
+ Gender
Female	62	—

Financing Structure

Financing Structure
MFI name	IDEPRO	IDEPRO
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	19.36%	19.26%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	4.17	4.19
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	90.60%	89.58%

Outreach Indicators

Outreach Indicators
MFI name	IDEPRO	IDEPRO
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	7,360	7,698
+ Methodology
Individual	7,803	7,698
Solidarity group	0	—
Village banking s h g	0	—
+ Relationship
External customers	7,360	—
Management and staff	0	—
+ Gender
Male	4,540	4,802
Female	2,817	2,896
Legal entity	3	—
+ Location
Urban	3,840	4,006
Rural	3,520	3,692
Percent of female borrowers	38.27%	37.62%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	7,803	—
+ Delinquency
Less than one month	7,371	—
+ One month or more	—	—
From one to three months	43	—
+ More than three months	—	—
From three to six months	33	—
+ More than six months	—	—
From six to twelve months	26	—
One year or more	7	—
Renegotiated loans	323	—
+ Location
Urban	4,051	—
Rural	3,752	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	7,803	—
+ Household financing	5	—
Consumption	0	—
Education	0	—
Mortgage housing	5	—
Household other	0	—
Microenterprise	7,798	—
+ Relationship
External customers	7,803	—
Management and staff	0	—
+ Methodology
Individual	7,803	—
Solidarity group	0	—
Village banking s h g	0	—
+ Gender
Male	4,848	—
Female	2,952	—
Legal entity	3	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	26,461,048	26,812,881
+ Delinquency
Less than one month	26,279,464	26,466,804
+ One month or more	—	346,076
From one to three months	179,898	298,988
+ More than three months	102,076	47,088
From three to six months	70,494	—
+ More than six months	31,582	—
From six to twelve months	29,896	—
One year or more	1,686	—
Renegotiated loans	799,099	—
+ Location
Urban	14,635,074	14,731,121
Rural	11,825,973	12,081,759
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	26,461,048	—
+ Household financing	55,626	—
Consumption	0	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	26,461,048	26,812,881
+ Relationship
External customers	26,461,048	—
Management and staff	0	—
+ Methodology
Individual	26,461,048	26,812,881
Solidarity group	0	—
Village banking s h g	0	—
+ Gender
Male	17,429,638	—
Female	9,022,688	—
Legal entity	8,722	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	3,595	3,483
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	3,391	—
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	IDEPRO	IDEPRO
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	2.04%	1.53%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	10.00%	7.92%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	111.55%	108.54%

Revenues

Revenues
MFI name	IDEPRO	IDEPRO
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	19.70%	19.46%
Profit marginProfit margin Net Operating Income / Financial Revenue	10.36%	7.87%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	20.61%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	IDEPRO	IDEPRO
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	17.66%	17.92%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	4.19%	4.15%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	1.59%	1.90%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	11.89%	11.87%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	6.58%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	5.31%	11.87%

Efficiency

Efficiency
MFI name	IDEPRO	IDEPRO
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	13.25%	13.16%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	7.33%	—
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	446	459
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	447	—

Productivity

Productivity
MFI name	IDEPRO	IDEPRO
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	51	54
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	55	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	164	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	173	—
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	31.47%	—

Risk And Liquidity

Risk And Liquidity
MFI name	IDEPRO	IDEPRO
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	3.65%	1.29%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	3.41%	0.18%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	4.09%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	3.71%	-2.30%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	51.40%	169.87%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	5.43%	5.11%

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