OMRO4

Opportunity Microfinance Romania

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Institutional Characteristics
Institutional Characteristics
MFI name OMRO OMRO
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 14,000,117 14,200,352
OfficesOffices

Number, including head office

 		9 9
PersonnelPersonnel

Total number of staff members

 		— 69
Financing Structure
Financing Structure
MFI name OMRO OMRO
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

 		13.88% 14.28%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		6.21 —
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		0.00% —
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		0.00% —
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		100.21% 98.79%
Outreach Indicators
Outreach Indicators
MFI name OMRO OMRO
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

 		2,018 2,018
1,983 —
35 —
768 —
321 —
929 —
1,074 —
944 —
Percent of female borrowers 15.91% —
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		2,401 2,401
1,658 —
— —
28 —
— —
23 —
— —
49 —
418 —
225 —
1,254 —
1,147 —
0 —
0 —
0 —
2,401 —
0 —
0 —
0 —
0 —
0 —
2,401 —
2,365 —
36 —
2,401 —
0 —
0 —
928 —
371 —
1,102 —
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		14,029,229 14,029,229
9,539,420 —
2,513,709 —
95,941 —
2,417,768 —
117,889 —
2,299,879 —
205,999 —
2,093,880 —
1,976,100 —
6,854,469 —
7,174,760 —
0 —
0 —
0 —
14,029,229 —
0 —
0 —
0 —
0 —
0 —
14,029,229 —
13,925,291 —
103,938 —
14,029,229 —
0 —
0 —
5,202,974 —
1,593,452 —
7,232,803 —
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		6,952 6,952
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

 		5,843 5,843
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

 		0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
+ DepositsDeposits

Total value of all deposit accounts

 		0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

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

Average Deposit Balance per Depositor / GNI per Capita

 		— —
Overall Financial Performance
Overall Financial Performance
MFI name OMRO OMRO
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

 		-0.41% 2.31%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		-3.07% 16.30%
Operational self sufficiencyOperational self sufficiency

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

 		98.75% 110.42%
Revenues
Revenues
MFI name OMRO OMRO
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

 		32.61% 24.47%
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		-1.26% 9.44%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		34.65% 24.06%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

 		— —
Expenses
Expenses
MFI name OMRO OMRO
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

 		33.03% 22.16%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		7.91% 8.42%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		4.35% -2.54%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		20.76% 16.28%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		11.41% 11.57%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		9.35% 4.71%
Efficiency
Efficiency
MFI name OMRO OMRO
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

 		22.60% 16.60%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		12.43% 11.80%
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

 		1,536 1,130
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		1,306 954
Productivity
Productivity
MFI name OMRO OMRO
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

 		— 29
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		— 35
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		— 52
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		— 62
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		— —
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		— —
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		— 56.52%
Risk And Liquidity
Risk And Liquidity
MFI name OMRO OMRO
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

 		32.00% 24.90%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		31.32% 23.60%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		5.07% —
Loan loss rateLoan loss rate

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

 		4.90% —
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		94.28% -118.78%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		5.70% —