MiBanco Banco de la Microempresa SA

MiBanco5

MiBanco Banco de la Microempresa SA

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Institutional Characteristics

Institutional Characteristics
MFI name	MiBanco	MiBanco
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	1,909,104,074	1,974,709,870
OfficesOffices Number, including head office	117	116
+ PersonnelPersonnel Total number of staff members	3,544	4,055
+ Gender
Female	1,644	—

Financing Structure

Financing Structure
MFI name	MiBanco	MiBanco
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	11.78%	11.39%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	7.49	7.78
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	89.38%	87.35%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	72.60%	71.44%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	81.23%	81.79%

Outreach Indicators

Outreach Indicators
MFI name	MiBanco	MiBanco
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	435,531	470,925
+ Location
Urban	351,834	—
Rural	83,697	—
+ Gender
Male	192,060	—
Female	234,397	—
Legal entity	9,074	—
Percent of female borrowers	53.82%	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	498,338	481,051
+ Gender
Male	219,756	—
Female	268,199	—
Legal entity	10,383	—
+ Products (credit)
Loans to corporations	874	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	497,464	—
+ Household financing	118,906	—
Consumption	34,943	—
Education	0	—
Mortgage housing	83,963	—
Household other	0	—
Microenterprise	378,558	—
+ Location
Urban	402,571	—
Rural	95,767	—
+ Methodology
Individual	495,226	—
Solidarity group	3,112	—
Village banking s h g	0	—
+ Delinquency
Less than one month	465,541	—
+ One month or more	—	—
From one to three months	6,378	—
+ More than three months	—	—
From three to six months	2,395	—
+ More than six months	—	—
From six to twelve months	8,856	—
One year or more	621	—
Renegotiated loans	14,547	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	1,550,672,963	1,615,068,161
+ Products (credit)
Loans to corporations	44,264,815	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	1,506,408,148	—
+ Household financing	525,422,222	—
Consumption	20,061,111	—
Education	0	—
Mortgage housing	505,361,111	—
Household other	0	—
Microenterprise	980,985,926	—
+ Location
Urban	1,497,372,593	—
Rural	53,300,370	—
+ Delinquency
+ Less than one month	1,448,618,519	—
Not overdue	—	1,504,664,617
+ One month or more	56,787,778	62,536,478
From one to three months	19,844,815	23,026,571
+ More than three months	36,942,963	39,509,907
From three to six months	7,453,704	6,816,298
+ More than six months	29,489,259	32,693,609
From six to twelve months	27,557,407	32,673,758
One year or more	1,931,852	19,851
Renegotiated loans	45,266,667	47,867,065
+ Methodology
Individual	1,516,038,519	—
Solidarity group	34,634,444	—
Village banking s h g	0	—
+ Gender
Male	748,121,111	—
Female	635,430,741	—
Legal entity	167,121,111	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	3,560	3,430
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	3,112	3,357
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	570,782	287,374
+ Products (deposits)
Deposits from corporations	76	—
Deposits from financial institutions	39	—
Deposits from governments	19	—
+ Retail deposits	570,648	—
+ Voluntary deposits	557,645	—
Demand deposits	497,853	—
Time deposits	59,792	—
Compulsory deposits	13,003	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	657,546	1,299,387
+ Products (deposits)
Deposits from corporations	171	—
Deposits from financial institutions	121	—
Deposits from governments	94	—
+ Retail deposits	657,160	—
+ Voluntary deposits	643,501	—
Demand deposits	572,137	—
Time deposits	71,364	—
Compulsory deposits	13,659	—
+ DepositsDeposits Total value of all deposit accounts	1,385,915,926	1,410,710,187
+ Products (deposits)
Deposits from corporations	239,989,259	—
Deposits from financial institutions	78,099,630	—
Deposits from governments	369,884,074	—
+ Retail deposits	697,942,963	—
+ Voluntary deposits	668,272,222	—
Demand deposits	167,211,111	—
Time deposits	501,061,111	—
Compulsory deposits	29,670,741	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	2,428	4,909
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	2,108	1,086
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	MiBanco	MiBanco
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	1.91%	1.95%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	20.47%	16.94%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	114.40%	—

Revenues

Revenues
MFI name	MiBanco	MiBanco
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	22.31%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	12.59%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	25.02%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	MiBanco	MiBanco
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	19.50%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	4.47%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	5.36%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	9.67%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	5.48%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	4.19%	—

Efficiency

Efficiency
MFI name	MiBanco	MiBanco
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	11.86%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	6.73%	—
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	399	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	356	—

Productivity

Productivity
MFI name	MiBanco	MiBanco
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	123	116
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	141	119
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	274	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	314	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	161	71
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	186	320
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	44.84%	—

Risk And Liquidity

Risk And Liquidity
MFI name	MiBanco	MiBanco
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	6.58%	6.84%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	5.30%	5.41%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	5.41%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	4.99%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	94.99%	95.41%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	17.38%	—

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MiBanco5

MiBanco Banco de la Microempresa SA

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