Negros Women for Tomorrow Foundation, Inc.

NWTF4

Negros Women for Tomorrow Foundation, Inc.

Currency:

Institutional Characteristics

Institutional Characteristics
MFI name	NWTF	NWTF	NWTF	NWTF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-	1	4
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	QTR	QTR	ANN	ANN
As of date	2011-09-30	2011-09-30	2011-12-31	2011-12-31
Assets	20,104,426	20,104,426	20,610,258	20,610,258
OfficesOffices Number, including head office	51	51	50	50
+ PersonnelPersonnel Total number of staff members	665	665	712	712
+ Gender
Female	—	—	415	—

Financing Structure

Financing Structure
MFI name	NWTF	NWTF	NWTF	NWTF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-	1	4
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	QTR	QTR	ANN	ANN
As of date	2011-09-30	2011-09-30	2011-12-31	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	26.52%	26.52%	37.31%	37.31%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	2.77	2.77	1.68	1.68
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	35.70%	35.70%	32.44%	32.44%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	22.85%	22.85%	23.08%	23.08%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	64.02%	64.02%	71.15%	71.15%

Outreach Indicators

Outreach Indicators
MFI name	NWTF	NWTF	NWTF	NWTF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-	1	4
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	QTR	QTR	ANN	ANN
As of date	2011-09-30	2011-09-30	2011-12-31	2011-12-31
As of date	2011-09-30	2011-09-30	2011-12-31	2011-12-31
Currency	USD	USD	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	108,191	108,191	117,079	117,079
+ Relationship
External customers	—	—	117,079	—
Management and staff	—	—	0	—
+ Gender
Male	—	—	117	—
Female	—	—	116,962	—
Legal entity	—	—	0	—
+ Location
Urban	—	—	40,978	—
Rural	—	—	76,101	—
Percent of female borrowers	—	—	99.90%	99.90%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	141,197	141,197	151,472	151,472
+ Location
Urban	—	—	53,015	—
Rural	—	—	98,457	—
+ Methodology
Individual	—	—	0	—
Solidarity group	—	—	151,472	—
Village banking s h g	—	—	0	—
+ Products (credit)
Loans to corporations	—	—	0	—
Loans to financial institutions	—	—	0	—
Loans to governments	—	—	0	—
+ Retail loans	—	—	151,472	—
+ Household financing	—	—	0	—
Consumption	—	—	0	—
Education	—	—	0	—
Mortgage housing	—	—	0	—
Household other	—	—	0	—
Microenterprise	—	—	151,472	—
+ Delinquency
+ One month or more	—	—	—	—
+ More than three months	—	—	—	—
+ More than six months	—	—	—	—
One year or more	—	—	0	—
+ Relationship
External customers	—	—	151,472	—
Management and staff	—	—	0	—
+ Gender
Male	—	—	151	—
Female	—	—	151,321	—
Legal entity	—	—	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	12,870,453	12,870,453	14,664,722	14,664,722
+ Delinquency
Less than one month	—	—	14,270,183	—
+ One month or more	—	—	355,157	—
From one to three months	—	—	63,599	—
+ More than three months	—	—	291,558	—
From three to six months	—	—	291,558	—
+ More than six months	—	—	0	—
From six to twelve months	—	—	0	—
One year or more	—	—	0	—
Renegotiated loans	—	—	39,381	—
+ Location
Urban	—	—	5,132,653	—
Rural	—	—	9,532,069	—
+ Products (credit)
Loans to corporations	—	—	0	—
Loans to financial institutions	—	—	0	—
Loans to governments	—	—	0	—
+ Retail loans	—	—	14,664,722	—
+ Household financing	—	—	0	—
Consumption	—	—	0	—
Education	—	—	0	—
Mortgage housing	—	—	0	—
Household other	—	—	0	—
Microenterprise	—	—	14,664,722	—
+ Relationship
External customers	—	—	14,664,722	—
Management and staff	—	—	0	—
+ Methodology
Individual	—	—	0	—
Solidarity group	—	—	14,664,722	—
Village banking s h g	—	—	0	—
+ Gender
Male	—	—	14,665	—
Female	—	—	14,650,057	—
Legal entity	—	—	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	119	119	125	125
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	91	91	97	97
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	114,063	114,063	121,776	121,776
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	228,126	228,126	—	—
+ DepositsDeposits Total value of all deposit accounts	4,594,541	4,594,541	4,756,685	4,756,685
+ Products (deposits)
Deposits from corporations	—	—	0	—
Deposits from financial institutions	—	—	0	—
Deposits from governments	—	—	0	—
+ Retail deposits	—	—	4,756,685	—
+ Voluntary deposits	—	—	745,509	—
Demand deposits	—	—	745,509	—
Time deposits	—	—	0	—
Compulsory deposits	—	—	4,011,176	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	40	40	39	39
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	20	20	—	—
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	NWTF	NWTF	NWTF	NWTF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-	1	4
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	QTR	QTR	ANN	ANN
As of date	2011-09-30	2011-09-30	2011-12-31	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	4.98%	4.98%	3.15%	3.15%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	18.62%	18.62%	10.23%	10.23%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	116.03%	116.03%	111.19%	111.19%

Revenues

Revenues
MFI name	NWTF	NWTF	NWTF	NWTF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-	1	4
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	QTR	QTR	ANN	ANN
As of date	2011-09-30	2011-09-30	2011-12-31	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	36.71%	36.71%	31.30%	31.30%
Profit marginProfit margin Net Operating Income / Financial Revenue	13.55%	13.55%	10.06%	10.06%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	42.33%	42.33%	46.07%	46.07%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—	—	—

Expenses

Expenses
MFI name	NWTF	NWTF	NWTF	NWTF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-	1	4
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	QTR	QTR	ANN	ANN
As of date	2011-09-30	2011-09-30	2011-12-31	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	31.64%	31.64%	28.15%	28.15%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	2.29%	2.29%	1.61%	1.61%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	1.03%	1.03%	1.29%	1.29%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	28.31%	28.31%	25.25%	25.25%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	14.78%	14.78%	14.67%	14.67%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	13.53%	13.53%	10.59%	10.59%

Efficiency

Efficiency
MFI name	NWTF	NWTF	NWTF	NWTF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-	1	4
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	QTR	QTR	ANN	ANN
As of date	2011-09-30	2011-09-30	2011-12-31	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	44.00%	44.00%	38.26%	38.26%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	22.97%	22.97%	22.22%	22.22%
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	54	54	48	48
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	41	41	36	36

Productivity

Productivity
MFI name	NWTF	NWTF	NWTF	NWTF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-	1	4
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	QTR	QTR	ANN	ANN
As of date	2011-09-30	2011-09-30	2011-12-31	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	163	163	164	164
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	212	212	213	213
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	308	308	293	293
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	402	402	379	379
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	172	172	171	171
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	343	343	—	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	52.78%	52.78%	56.18%	56.18%

Risk And Liquidity

Risk And Liquidity
MFI name	NWTF	NWTF	NWTF	NWTF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-	1	4
Currency	USD	USD	USD	USD
Fiscal year	2011	2011	2011	2011
Period type	QTR	QTR	ANN	ANN
As of date	2011-09-30	2011-09-30	2011-12-31	2011-12-31
As of date	2011-09-30	2011-09-30	2011-12-31	2011-12-31
Currency	USD	USD	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	—	—	2.69%	2.69%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	—	—	2.26%	2.26%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—	—	1.48%	1.48%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—	—	1.48%	1.48%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—	—	127.54%	127.54%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	17.31%	17.31%	13.52%	13.52%

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NWTF4

Negros Women for Tomorrow Foundation, Inc.

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