ProCredit - COL1

Banco ProCredit Colombia SA

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

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Assets 146,572,133 123,071,653
OfficesOffices

Number, including head office

20
PersonnelPersonnel

Total number of staff members

353
Financing Structure
Financing Structure
MFI name ProCredit - COL ProCredit - COL
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

16.28% 15.99%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

5.14 5.25
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

71.66% 90.78%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

57.83% 68.55%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

80.71% 75.52%
Outreach Indicators
Outreach Indicators
MFI name ProCredit - COL ProCredit - COL
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
As of date 2012-12-31 2013-12-31
Currency USD USD
Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

7,575
Percent of female borrowers
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

7,575
6,695
188
0
692
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

118,291,951 92,937,959
118,291,951
0
0
109,498,778
109,498,778 85,380,791
0
2,933,321 7,557,168
0
2,933,321
2,933,321
0
0
0
5,859,852
91,601,218 71,535,411
0
0
0
91,601,218
26,690,734
92,798
92,798 97,053
0
0 0
0
26,597,936 21,305,494
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

15,616
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

258.21%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

15,616
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

258.21%
Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

40,510
Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

41,301
+ DepositsDeposits

Total value of all deposit accounts

84,765,289 84,370,297
0
0
0
84,765,289
84,765,289
25,350,822
59,414,467
0
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

2,092
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

35.00%
Overall Financial Performance
Overall Financial Performance
MFI name ProCredit - COL ProCredit - COL
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

0.47% -6.03%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

2.86% -36.58%
Operational self sufficiencyOperational self sufficiency

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

103.61% 74.28%
Revenues
Revenues
MFI name ProCredit - COL ProCredit - COL
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

18.14% 16.88%
Profit marginProfit margin

Net Operating Income / Financial Revenue

3.49% -34.63%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

21.97% 21.48%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

18.13% 17.65%
Expenses
Expenses
MFI name ProCredit - COL ProCredit - COL
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Total expense/ assetsTotal expense/ assets

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

17.51% 22.72%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

5.81% 6.02%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

0.92% 3.84%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

10.78% 12.87%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

4.36% 4.58%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

6.42% 8.29%
Efficiency
Efficiency
MFI name ProCredit - COL ProCredit - COL
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

13.51% 16.78%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

5.47% 5.97%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

2.94
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

2,001
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

2,001
Productivity
Productivity
MFI name ProCredit - COL ProCredit - COL
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

21
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

21
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

115
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

117
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

Risk And Liquidity
Risk And Liquidity
MFI name ProCredit - COL ProCredit - COL
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
As of date 2012-12-31 2013-12-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

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

7.43% 8.13%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

7.43%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.43% 6.78%
Loan loss rateLoan loss rate

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

-2.07% 6.78%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

56.63% 54.47%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

14.88% 21.37%