M7 Uông Bí, Quảng Ninh

M7 Uong bi4

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Institutional Characteristics

Institutional Characteristics
MFI name	M7 Uong bi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Assets	1,146,933
OfficesOffices Number, including head office	5
+ PersonnelPersonnel Total number of staff members	33
+ Gender
Female	33

Financing Structure

Financing Structure
MFI name	M7 Uong bi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	28.97%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	2.45
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	45.23%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	45.00%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	99.48%

Outreach Indicators

Outreach Indicators
MFI name	M7 Uong bi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
As of date	2011-12-31
Currency	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	3,883
+ Relationship
External customers	3,883
Management and staff	0
+ Gender
Male	413
Female	3,470
Legal entity	0
Percent of female borrowers	89.36%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	3,883
+ Methodology
Individual	0
Solidarity group	3,883
Village banking s h g	0
+ Products (credit)
Loans to corporations	0
Loans to financial institutions	0
Loans to governments	0
+ Retail loans	3,883
+ Household financing	0
Consumption	0
Education	0
Mortgage housing	0
Household other	0
Microenterprise	3,883
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	1,141,025
+ Methodology
Individual	0
Solidarity group	1,141,025
Village banking s h g	0
+ Relationship
External customers	1,141,025
Management and staff	0
+ Products (credit)
Loans to corporations	0
Loans to financial institutions	0
Loans to governments	0
+ Retail loans	1,141,025
+ Household financing	0
Consumption	0
Education	0
Mortgage housing	0
Household other	0
Microenterprise	1,141,025
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	294
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	294
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	11,145
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	11,145
+ Voluntary deposits	3,631
Demand deposits	3,631
Time deposits	0
Compulsory deposits	7,514
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	11,145
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	11,145
+ Voluntary deposits	3,631
Demand deposits	3,631
Time deposits	0
Compulsory deposits	7,514
+ DepositsDeposits Total value of all deposit accounts	516,119
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	516,119
+ Voluntary deposits	431,819
Demand deposits	431,819
Time deposits	0
Compulsory deposits	84,300
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	46
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	46
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	M7 Uong bi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	6.32%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	21.20%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	141.35%

Revenues

Revenues
MFI name	M7 Uong bi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	21.62%
Profit marginProfit margin Net Operating Income / Financial Revenue	29.25%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	22.40%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—

Expenses

Expenses
MFI name	M7 Uong bi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	15.30%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	4.89%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.15%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	10.25%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	7.39%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	2.86%

Efficiency

Efficiency
MFI name	M7 Uong bi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	10.77%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	7.76%
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	29
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	29

Productivity

Productivity
MFI name	M7 Uong bi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	118
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	118
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	216
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	216
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	338
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	338
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	54.55%

Risk And Liquidity

Risk And Liquidity
MFI name	M7 Uong bi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
As of date	2011-12-31
Currency	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	—
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.00%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	0.61%

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M7 Uông Bí, Quảng Ninh

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