PMPC4

Paglaum Multi-Purpose Cooperative

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Institutional Characteristics
Institutional Characteristics
MFI name PMPC PMPC
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 2012-12-31
Assets 10,775,767 13,676,468
OfficesOffices

Number, including head office

14 23
+ PersonnelPersonnel

Total number of staff members

298 373
149
Financing Structure
Financing Structure
MFI name PMPC PMPC
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 2012-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

25.62% 30.12%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

2.90
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

58.50% 57.26%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

33.35% 31.00%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

57.00% 54.13%
Outreach Indicators
Outreach Indicators
MFI name PMPC PMPC
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 2012-12-31
As of date 2011-12-31 2012-12-31
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

22,997 48,517
22,772
225
4,600
18,397
0
20,697
2,300
Percent of female borrowers 80.00%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

26,371 51,443
17,422
830
1,038
1,516
3,921
1,644
11,629
14,742
0
23,734
2,637
26,074
297
5,274
21,097
0
5
0
0
0
5
26,366
16,532
9,834
44
292
9,365
133
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

6,142,519 7,402,821
5,003,951 6,528,581
578,840 874,239
87,178 114,265
491,662 759,974
115,205 177,818
376,457 582,156
140,422 162,466
236,036 419,690
559,729 0
4,133,634
2,008,885
0
5,528,268
614,252
5,762,757
379,763
1,228,504
4,914,016
0
298,033
0
0
0
298,033
5,844,486
2,139,553
3,704,933
11,789
9,134
3,521,597
162,413
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

267 153
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

12.21% 6.97%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

233 144
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

10.65% 6.58%
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

56,029 49,801
0
410
0
55,619
55,619
0
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

103,792 50,364
0
410
0
103,382
103,382
99,851
3,531
0
+ DepositsDeposits

Total value of all deposit accounts

3,593,632 4,239,072
0
143,721
0
3,449,911
3,449,911
2,466,562
983,349
0
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

64 85
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

3.00% 4.00%
Overall Financial Performance
Overall Financial Performance
MFI name PMPC PMPC
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

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

(Net Operating Income - Taxes) / Average Total Assets

0.40% 12.12%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

1.37% 38.27%
Operational self sufficiencyOperational self sufficiency

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

101.54%
Revenues
Revenues
MFI name PMPC PMPC
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 2012-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

26.25%
Profit marginProfit margin

Net Operating Income / Financial Revenue

1.52%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

38.07%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

32.08%
Expenses
Expenses
MFI name PMPC PMPC
Annual DiamondsAnnual Diamonds

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

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

25.86%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

3.68%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

1.50%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

20.68%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

11.23%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

9.45%
Efficiency
Efficiency
MFI name PMPC PMPC
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 2012-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

34.07%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

18.51%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

2.02
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

84
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

80
Productivity
Productivity
MFI name PMPC PMPC
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

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

Number of Active Borrowers / Number of Personnel

77 130
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

88 138
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

150 284
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

172 301
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

188 134
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

348 135
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

51.34% 45.84%
Risk And Liquidity
Risk And Liquidity
MFI name PMPC PMPC
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 2012-12-31
As of date 2011-12-31 2012-12-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

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

18.54% 11.81%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

17.12% 10.27%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.00%
Loan loss rateLoan loss rate

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

0.00%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

37.73% 39.57%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

27.64%