MDO Arvand4

Microcredit deposit-taking organizaition Arvand

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Institutional Characteristics
Institutional Characteristics
MFI name MDO Arvand MDO Arvand MDO Arvand
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		- 4 4
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type QTR ANN ANN
As of date 2011-03-31 2011-12-31 2012-12-31
Assets — 15,980,672 25,076,681
OfficesOffices

Number, including head office

 		— 37 19
+ PersonnelPersonnel

Total number of staff members

 		— 223 300
— 69 100
Financing Structure
Financing Structure
MFI name MDO Arvand MDO Arvand MDO Arvand
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		- 4 4
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type QTR ANN ANN
As of date 2011-03-31 2011-12-31 2012-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

 		— 16.91% 14.01%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		— 4.91 6.14
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		— 1.97% 2.85%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		— 1.63% 2.35%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		— 82.84% 82.44%
Outreach Indicators
Outreach Indicators
MFI name MDO Arvand MDO Arvand MDO Arvand
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		- 4 4
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type QTR ANN ANN
As of date 2011-03-31 2011-12-31 2012-12-31
As of date 2011-03-31 2011-12-31 2012-12-31
Currency USD USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

 		12,921 15,392 19,356
— 15,287 19,234
— 105 122
— 8,812 11,007
— 6,572 8,345
— 8 4
— 6,167 7,855
— 9,225 11,501
Percent of female borrowers — 42.70% 43.11%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		— 15,578 19,611
— 15,553 —
— — 19,558
— — 0
— — —
— 4 11
— — —
— 0 10
— — —
— 10 13
— 3 3
— 8 16
— 6,264 7,944
— 9,314 11,667
— 15,461 19,469
— 117 142
— 8,921 11,157
— 6,649 8,448
— 8 6
— 5,063 9,291
— 10,515 10,320
— 0 0
— 0 4
— 0 4
— 2 2
— 0 0
— 0 0
— 15,576 19,605
— 11,008 13,358
— 4,568 6,247
— 0 193
— 3,927 5,585
— 641 0
— 0 469
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		10,162,861 13,238,804 20,672,269
— 13,179,422 20,507,353
— — 20,507,353
— — 0
— 38,113 77,101
53,083 5,925 8,824
— 32,188 68,277
— 0 4,832
— 32,188 63,445
— 13,210 53,151
— 18,978 10,294
— 21,268 87,815
— 6,910,882 10,126,471
— 6,327,922 10,545,798
— 12,810,055 20,103,992
— 428,749 568,277
— 8,884,526 13,507,983
— 4,177,454 6,971,218
— 176,824 193,067
— 8,317,370 14,556,933
— 4,921,434 6,115,336
— 0 0
— 0 138,445
— 0 138,445
— 55,910 54,622
— 0 0
— 0 0
— 13,182,894 20,479,202
— 10,776,302 14,908,193
— 2,406,593 5,571,008
— 0 106,303
— 2,175,889 3,364,916
— 230,704 0
— 0 2,099,790
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		787 860 1,068
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

 		83.70% 91.53% 113.66%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

 		— 850 1,054
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

 		— 90.44% 112.18%
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

 		211 970 2,507
— 3 0
— 0 0
— 0 0
— 967 2,507
— 967 2,507
— 116 1,554
— 851 953
— 0 0
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		— 1,009 2,773
— 3 0
— 0 0
— 0 0
— 1,006 2,773
— 1,006 2,773
— 116 1,656
— 890 1,117
— 0 0
+ DepositsDeposits

Total value of all deposit accounts

 		— 260,336 589,496
— 88,236 0
— 0 0
— 0 0
— 172,100 589,496
— 172,100 589,496
— 11,828 157,563
— 160,272 431,933
— 0 0
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

 		— 268 235
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

 		— 29.00% 25.00%
Overall Financial Performance
Overall Financial Performance
MFI name MDO Arvand MDO Arvand MDO Arvand
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		- 4 4
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type QTR ANN ANN
As of date 2011-03-31 2011-12-31 2012-12-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

 		— 3.58% 4.49%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		— 19.47% 29.67%
Operational self sufficiencyOperational self sufficiency

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

 		— 118.79% 126.71%
Revenues
Revenues
MFI name MDO Arvand MDO Arvand MDO Arvand
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		- 4 4
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type QTR ANN ANN
As of date 2011-03-31 2011-12-31 2012-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

 		— 30.31% 30.33%
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		— 15.82% 21.08%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		— 37.20% 35.32%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

 		— 20.73% 19.07%
Expenses
Expenses
MFI name MDO Arvand MDO Arvand MDO Arvand
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		- 4 4
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type QTR ANN ANN
As of date 2011-03-31 2011-12-31 2012-12-31
Total expense/ assetsTotal expense/ assets

(Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets

 		— 25.52% 23.94%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		— 11.76% 10.40%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		— 0.14% 0.72%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		— 13.62% 12.82%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		— 9.41% 8.31%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		— 4.21% 4.50%
Efficiency
Efficiency
MFI name MDO Arvand MDO Arvand MDO Arvand
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		- 4 4
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type QTR ANN ANN
As of date 2011-03-31 2011-12-31 2012-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

 		— 17.56% 15.52%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		— 12.13% 10.07%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

 		— 6.38 6.95
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

 		— 138 151
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		— 134 150
Productivity
Productivity
MFI name MDO Arvand MDO Arvand MDO Arvand
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		- 4 4
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type QTR ANN ANN
As of date 2011-03-31 2011-12-31 2012-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

 		— 69 65
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		— 70 65
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		140 154 154
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		— 156 156
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		— 4 8
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		— 5 9
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		— 44.84% 42.00%
Risk And Liquidity
Risk And Liquidity
MFI name MDO Arvand MDO Arvand MDO Arvand
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		- 4 4
Currency USD USD USD
Fiscal year 2011 2011 2012
Period type QTR ANN ANN
As of date 2011-03-31 2011-12-31 2012-12-31
As of date 2011-03-31 2011-12-31 2012-12-31
Currency USD USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

 		0.52% 0.45% 0.80%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		— 0.40% 0.76%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		0.05% 0.24% 0.16%
Loan loss rateLoan loss rate

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

 		— 0.24% 0.16%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		— 92.34% 106.62%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		— 4.84% 8.67%