KREDIT4

KREDIT MFI

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Institutional Characteristics
Institutional Characteristics
MFI name KREDIT KREDIT
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 49,037,112 —
OfficesOffices

Number, including head office

 		44 46
+ PersonnelPersonnel

Total number of staff members

 		717 732
514 520
152 212
Financing Structure
Financing Structure
MFI name KREDIT KREDIT
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

 		19.97% —
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		4.01 —
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		7.73% 9.69%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		7.00% —
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		90.62% —
Outreach Indicators
Outreach Indicators
MFI name KREDIT KREDIT
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

 		56,519 57,052
56,214 —
305 —
4,555 4,484
51,964 52,568
0 —
10,998 —
45,521 —
Percent of female borrowers 91.94% 92.14%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		56,519 —
56,329 —
— —
31 —
— —
25 —
— —
46 —
88 —
0 —
10,998 —
45,521 —
8 —
0 —
0 —
56,511 —
14,244 —
447 —
0 —
0 —
13,797 —
42,267 —
56,214 —
305 —
42,722 —
801 —
12,996 —
4,555 —
51,964 —
0 —
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		44,438,740 46,760,030
44,289,684 —
149,056 138,666
20,136 —
128,920 —
17,795 —
111,125 —
24,623 —
86,502 —
0 —
14,058,917 —
30,379,823 —
164,446 —
0 —
0 —
44,274,294 —
2,664,877 —
551,117 —
0 —
0 —
2,113,760 —
41,609,417 —
43,987,659 —
451,081 —
42,324,980 —
114,008 —
1,999,752 —
5,301,624 —
39,137,116 —
0 —
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		786 820
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

 		786 —
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

 		850 1,629
447 976
403 653
4 —
0 —
0 —
846 —
846 —
677 —
169 —
0 —
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		850 —
4 —
0 —
0 —
846 —
846 —
677 —
169 —
0 —
+ DepositsDeposits

Total value of all deposit accounts

 		3,434,328 4,530,592
400,204 —
0 —
0 —
3,034,124 —
3,034,124 —
545,804 —
2,488,320 —
0 —
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

 		4,040 2,781
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 KREDIT KREDIT
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

 		3.50% —
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		17.80% —
Operational self sufficiencyOperational self sufficiency

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

 		123.41% —
Revenues
Revenues
MFI name KREDIT KREDIT
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

 		23.93% —
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		18.97% —
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		26.07% —
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

 		— —
Expenses
Expenses
MFI name KREDIT KREDIT
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

 		19.39% —
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		7.36% —
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		-0.27% —
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		12.30% —
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		7.99% —
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		4.31% —
Efficiency
Efficiency
MFI name KREDIT KREDIT
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

 		13.57% —
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		8.81% —
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

 		100 —
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		98 —
Productivity
Productivity
MFI name KREDIT KREDIT
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

 		79 78
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		79 —
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		182 —
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		182 —
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		1 2
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		1 —
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		43.38% —
Risk And Liquidity
Risk And Liquidity
MFI name KREDIT KREDIT
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

 		0.34% 0.30%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		0.29% —
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		0.65% 0.05%
Loan loss rateLoan loss rate

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

 		0.56% —
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		100.00% —
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		6.20% —