Kazama Grameen, Inc.

Kazama Grameen4

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Institutional Characteristics

Institutional Characteristics
MFI name	Kazama Grameen	Kazama Grameen	Kazama Grameen	Kazama Grameen
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Assets	3,859,626	3,859,626	—	—
OfficesOffices Number, including head office	28	28	—	—
+ PersonnelPersonnel Total number of staff members	196	196	—	—
+ Gender
Female	119	—	—	—

Financing Structure

Financing Structure
MFI name	Kazama Grameen	Kazama Grameen	Kazama Grameen	Kazama Grameen
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	31.02%	31.02%	—	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	2.22	2.22	—	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	45.62%	45.62%	45.62%	45.62%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	41.45%	41.45%	—	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	90.86%	90.86%	—	—

Outreach Indicators

Outreach Indicators
MFI name	Kazama Grameen	Kazama Grameen	Kazama Grameen	Kazama Grameen
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Currency	USD	USD	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	28,714	28,714	28,714	28,714
+ Relationship
External customers	28,714	—	—	—
+ Location
Urban	7,891	—	—	—
Rural	20,823	—	—	—
+ Gender
Male	283	—	—	—
Female	28,431	—	—	—
Percent of female borrowers	99.01%	99.01%	—	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	31,773	31,773	28,714	28,714
+ Methodology
Individual	0	—	—	—
Solidarity group	31,773	—	—	—
Village banking s h g	0	—	—	—
+ Delinquency
Less than one month	28,445	—	—	—
+ One month or more	—	—	—	—
From one to three months	508	—	—	—
+ More than three months	—	—	—	—
From three to six months	336	—	—	—
+ More than six months	—	—	—	—
From six to twelve months	116	—	—	—
One year or more	2,368	—	—	—
Renegotiated loans	0	—	—	—
+ Products (credit)
+ Retail loans	31,773	—	—	—
+ Household financing	9,390	—	—	—
Household other	9,390	—	—	—
Microenterprise	22,383	—	—	—
+ Relationship
External customers	31,773	—	—	—
+ Gender
Male	320	—	—	—
Female	31,453	—	—	—
+ Location
Urban	10,044	—	—	—
Rural	21,729	—	—	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	3,506,802	3,506,802	3,506,802	3,506,802
+ Methodology
Individual	0	—	—	—
Solidarity group	153,597,906	—	—	—
Village banking s h g	0	—	—	—
+ Delinquency
Less than one month	139,154,956	—	—	—
+ One month or more	14,442,950	—	—	—
From one to three months	2,670,000	—	—	—
+ More than three months	11,772,950	—	—	—
From three to six months	2,028,104	—	—	—
+ More than six months	9,744,846	—	—	—
From six to twelve months	3,445,453	—	—	—
One year or more	6,299,393	—	—	—
Renegotiated loans	0	—	—	—
+ Products (credit)
+ Retail loans	153,597,906	—	—	—
+ Household financing	38,196,276	—	—	—
Household other	38,196,276	—	—	—
Microenterprise	115,401,630	—	—	—
+ Relationship
External customers	153,597,906	—	—	—
+ Gender
Male	1,355,320	—	—	—
Female	152,242,586	—	—	—
+ Location
Urban	45,436,577	—	—	—
Rural	108,161,329	—	—	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	122	122	122	122
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	110	110	122	122
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	15,807	15,807	15,028	15,028
+ Products (deposits)
+ Retail deposits	15,807	—	—	—
+ Voluntary deposits	779	—	—	—
Demand deposits	779	—	—	—
Compulsory deposits	15,028	—	—	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	15,807	15,807	15,028	15,028
+ Products (deposits)
+ Retail deposits	15,807	—	—	—
+ Voluntary deposits	779	—	—	—
Demand deposits	779	—	—	—
Compulsory deposits	15,028	—	—	—
+ DepositsDeposits Total value of all deposit accounts	1,599,872	1,599,872	1,599,872	1,599,872
+ Products (deposits)
+ Retail deposits	70,074,376	—	—	—
+ Voluntary deposits	1,142,946	—	—	—
Demand deposits	1,142,946	—	—	—
Compulsory deposits	68,931,430	—	—	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	101	101	106	106
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	101	101	106	106
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	Kazama Grameen	Kazama Grameen	Kazama Grameen	Kazama Grameen
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	0.17%	0.17%	—	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	0.48%	0.48%	—	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	100.35%	100.35%	—	—

Revenues

Revenues
MFI name	Kazama Grameen	Kazama Grameen	Kazama Grameen	Kazama Grameen
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	47.39%	47.39%	—	—
Profit marginProfit margin Net Operating Income / Financial Revenue	0.35%	0.35%	—	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	46.93%	46.93%	—	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—	—	—

Expenses

Expenses
MFI name	Kazama Grameen	Kazama Grameen	Kazama Grameen	Kazama Grameen
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	47.22%	47.22%	—	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	3.42%	3.42%	—	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	2.27%	2.27%	—	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	41.54%	41.54%	—	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	19.03%	19.03%	—	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	22.50%	22.50%	—	—

Efficiency

Efficiency
MFI name	Kazama Grameen	Kazama Grameen	Kazama Grameen	Kazama Grameen
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	44.68%	44.68%	—	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	20.47%	20.47%	—	—
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	55	55	—	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	50	50	—	—

Productivity

Productivity
MFI name	Kazama Grameen	Kazama Grameen	Kazama Grameen	Kazama Grameen
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	147	147	—	—
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	162	162	—	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	319	319	—	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	353	353	—	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	81	81	—	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	81	81	—	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	45.92%	45.92%	—	—

Risk And Liquidity

Risk And Liquidity
MFI name	Kazama Grameen	Kazama Grameen	Kazama Grameen	Kazama Grameen
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	4	-	-
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	ANN	ANN	QTR	QTR
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
As of date	2011-12-31	2011-12-31	2011-12-31	2011-12-31
Currency	USD	USD	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	9.40%	9.40%	—	—
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	7.66%	7.66%	—	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.00%	0.00%	—	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.00%	0.00%	—	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	43.30%	43.30%	—	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	4.49%	4.49%	—	—

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Kazama Grameen4

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