ProCredit - BOL5

Banco Los Andes ProCredit

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Institutional Characteristics
Institutional Characteristics
MFI name ProCredit - BOL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		-
Currency USD
Fiscal year 2011
Period type QTR
As of date 2011-12-31
Assets 590,384,000
OfficesOffices

Number, including head office

 		69
PersonnelPersonnel

Total number of staff members

 		1,419
Financing Structure
Financing Structure
MFI name ProCredit - BOL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		-
Currency USD
Fiscal year 2011
Period type QTR
As of date 2011-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

 		11.59%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		7.63
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		92.18%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		70.91%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		76.93%
Outreach Indicators
Outreach Indicators
MFI name ProCredit - BOL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		-
Currency USD
Fiscal year 2011
Period type QTR
As of date 2011-12-31
As of date 2011-12-31
Currency USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

 		52,867
1,585
1,005
30,561
22,226
80
Percent of female borrowers 42.04%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		62,717
28
—
—
15,821
1,641
45,227
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		454,178,000
2,861,000
—
—
63,211,000
32,308,000
355,799,000
3,385,000
446,610,000
—
1,766,000
1,095,000
4,706,000
285,687,000
156,768,000
11,723,000
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		8,591
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

 		7,242
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

 		—
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		—
—
—
412,273
10,056
+ DepositsDeposits

Total value of all deposit accounts

 		418,640,000
—
—
164,050,000
269,383,000
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 ProCredit - BOL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

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

(Net Operating Income - Taxes) / Average Total Assets

 		1.41%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		12.06%
Operational self sufficiencyOperational self sufficiency

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

 		113.15%
Revenues
Revenues
MFI name ProCredit - BOL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		-
Currency USD
Fiscal year 2011
Period type QTR
As of date 2011-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

 		12.45%
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		11.62%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		14.40%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

 		—
Expenses
Expenses
MFI name ProCredit - BOL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

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

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

 		11.00%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		2.11%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		0.70%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		8.19%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		3.78%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		4.40%
Efficiency
Efficiency
MFI name ProCredit - BOL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		-
Currency USD
Fiscal year 2011
Period type QTR
As of date 2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

 		10.59%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		4.89%
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

 		874
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		744
Productivity
Productivity
MFI name ProCredit - BOL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

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

Number of Active Borrowers / Number of Personnel

 		37
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		44
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		54
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		64
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

 		69.34%
Risk And Liquidity
Risk And Liquidity
MFI name ProCredit - BOL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		-
Currency USD
Fiscal year 2011
Period type QTR
As of date 2011-12-31
As of date 2011-12-31
Currency USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

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

 		1.42%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		1.04%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		-0.01%
Loan loss rateLoan loss rate

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

 		-1.90%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		218.36%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		—