Savings House Moznosti LLC Skopje

Moznosti4

Savings House Moznosti LLC Skopje

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Institutional Characteristics

Institutional Characteristics
MFI name	Moznosti	Moznosti
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Assets	39,765,476	39,778,695
OfficesOffices Number, including head office	13	13
+ PersonnelPersonnel Total number of staff members	113	114
+ Gender
Female	65	—

Financing Structure

Financing Structure
MFI name	Moznosti	Moznosti
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	21.18%	21.20%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	3.72	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	22.31%	—
Deposits to total assetsDeposits to total assets Deposits / Total Assets	19.37%	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	86.84%	77.70%

Outreach Indicators

Outreach Indicators
MFI name	Moznosti	Moznosti
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
As of date	2011-12-31	2011-12-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	7,499	7,339
+ Relationship
External customers	7,444	—
Management and staff	55	—
+ Gender
Male	5,374	—
Female	1,695	—
Legal entity	430	—
+ Location
Urban	4,683	—
Rural	2,816	—
Percent of female borrowers	22.60%	—
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	7,773	7,773
+ Location
Urban	4,808	—
Rural	2,965	—
+ Delinquency
Less than one month	6,629	—
+ One month or more	—	—
From one to three months	330	—
+ More than three months	—	—
From three to six months	100	—
+ More than six months	—	—
From six to twelve months	190	—
One year or more	508	—
Renegotiated loans	16	—
+ Methodology
Individual	7,770	—
Solidarity group	3	—
+ Gender
Male	5,544	—
Female	1,719	—
Legal entity	510	—
+ Products (credit)
Loans to corporations	70	—
+ Retail loans	7,703	—
+ Household financing	2,698	—
Consumption	2,007	—
Education	145	—
Mortgage housing	78	—
Household other	468	—
Microenterprise	5,005	—
+ Relationship
External customers	7,708	—
Management and staff	65	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	34,531,617	30,907,722
+ Location
Urban	22,917,451	—
Rural	11,614,165	—
+ Delinquency
Less than one month	29,867,860	—
+ One month or more	4,392,106	—
From one to three months	1,325,065	—
+ More than three months	3,067,041	—
From three to six months	269,430	—
+ More than six months	2,797,611	—
From six to twelve months	939,423	—
One year or more	1,858,188	—
Renegotiated loans	271,650	—
+ Methodology
Individual	34,529,214	—
Solidarity group	2,403	—
+ Gender
Male	21,670,592	—
Female	5,648,407	—
Legal entity	7,212,618	—
+ Products (credit)
Loans to corporations	3,118,935	—
+ Retail loans	31,412,682	—
+ Household financing	10,402,331	—
Consumption	6,790,340	—
Education	135,923	—
Mortgage housing	1,905,285	—
Household other	1,570,783	—
Microenterprise	21,010,351	—
+ Relationship
External customers	33,947,158	—
Management and staff	584,459	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	4,605	4,211
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	4,443	3,976
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	8,522	—
+ Products (deposits)
+ Retail deposits	8,522	—
+ Voluntary deposits	8,522	—
Demand deposits	6,044	—
Time deposits	2,478	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	10,689	—
+ Products (deposits)
+ Retail deposits	10,689	—
+ Voluntary deposits	10,689	—
Demand deposits	8,013	—
Time deposits	2,676	—
+ DepositsDeposits Total value of all deposit accounts	7,704,265	—
+ Products (deposits)
+ Retail deposits	7,704,265	—
+ Voluntary deposits	7,704,265	—
Demand deposits	301,526	—
Time deposits	7,402,739	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	904	—
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	721	—
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	Moznosti	Moznosti
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	0.40%	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	1.83%	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	103.17%	—

Revenues

Revenues
MFI name	Moznosti	Moznosti
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	14.16%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	3.07%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	15.52%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	Moznosti	Moznosti
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	13.73%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	5.57%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.41%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	7.75%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	3.81%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	3.94%	—

Efficiency

Efficiency
MFI name	Moznosti	Moznosti
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	9.13%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	4.49%	—
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	413	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	393	—

Productivity

Productivity
MFI name	Moznosti	Moznosti
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	66	64
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	69	68
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	150	147
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	155	155
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	75	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	95	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	44.25%	43.86%

Risk And Liquidity

Risk And Liquidity
MFI name	Moznosti	Moznosti
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	QTR
As of date	2011-12-31	2011-12-31
As of date	2011-12-31	2011-12-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	13.51%	—
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	9.67%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.74%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.54%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	67.99%	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	15.03%	—

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