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Pro Mujer - BOL5Programas para la Mujer - Bolivia

Indicators
Currency
Years
  • Total assets
  • Gross loan portfolio
  • Total equity

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
Total assets 10,094,652 13,158,860 17,757,513 25,571,024 31,083,221
Offices 46 47 52 57 62
Personnel 216 363 483 537 615

Financing Structure

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Capital/asset ratio 68.05% 62.61% 51.83% 40.97% 43.33%
Debt to equity ratio 0.47 0.60 0.93 1.44 1.31
Deposits to loans 0.00% 0.00% 0.00% 0.00% 0.00%
Deposits to total assets 0.00% 0.00% 0.00% 0.00% 0.00%
Gross loan portfolio to total assets 70.83% 84.78% 76.37% 83.68% 89.48%

Outreach

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
+ Number of active borrowers 48,496 64,517 74,106 90,510 87,626
— — — — — 1,846
— — — — — 85,780
— — — — — 87,626
— — — — — 87,626
— — — — — 3,709
— 46,071 61,219 70,401 85,985 83,917
— — — — — 79,759
— — — — — 7,867
Percent of women borrowers 95.00% 94.89% 95.00% 95.00% 95.77%
+ Number of outstanding loans 48,496 64,517 74,106 90,510 87,626
— — — — — 79,759
— — — — — 7,867
— — — — — 1,846
— — — — — 85,780
— — — — — 87,626
— — — — — 87,626
— 47,893 0 73,915 90,423 82,469
— — — — — —
— 118 0 191 0 968
— — — — — —
— 98 0 0 0 4,189
— — — — — —
— 387 0 0 0 0
— 0 0 0 87 0
— 0 0 0 0 0
— — — — — 3,709
— — — — — 83,917
+ Gross loan portfolio 7,150,439 11,155,857 13,561,700 21,396,794 27,812,930
— — — — — 25,683,365
— — — — — 2,129,566
— — — — — 1,785,177
— — — — — 26,027,753
— — — — — 27,812,930
— — — — — 27,812,930
— 7,092,782 11,104,014 13,526,722 21,230,206 27,597,101
— 57,657 51,843 34,978 166,588 —
— 25,375 13,485 34,978 54,190 179,867
— — — — — —
— 6,747 0 0 45,681 35,963
— — — — — —
— 25,535 38,358 0 43,191 0
— 0 0 0 20,637 0
— 0 0 0 2,889 0
— — — — — 1,177,349
— — — — — 26,635,582
Average loan balance per borrower 147 173 183 236 317
Average loan balance borrower per borrower / GNI per capita 15.36% 16.95% 16.49% 18.76% 25.19%
Average outstanding balance 147 173 183 236 317
Average outstanding balance / GNI per capita 15.36% 16.95% 16.49% 18.76% 25.19%
+ Number of depositors 63,547 — 81,517 72,408 0
— — — — — —
— — — — — 0
— — — — — 0
+ Number of deposit accounts 63,547 — 81,517 72,408 0
— — — — — —
— — — — — 0
— — — — — 0
+ Deposits 0 0 0 0 0
— 0 0 0 0 —
— 0 0 0 0 —
— 0 0 0 0 —
— 0 0 0 0 —
— 0 0 0 0 —
Average deposit balance per depositor 0 — 0 0 —
Average deposit balance per depositor / GNI per capita 0.00% — 0.00% 0.00% —
Average deposit account balance 0 — 0 0 —
Average deposit account balance / GNI per capita 0 — 0 0 —

Overall Financial Performance

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Return on assets 7.09% 6.67% 4.91% 6.31% 7.35%
Return on equity 10.78% 10.26% 8.71% 13.89% 17.38%
Operational self sufficiency 140.78% 135.80% 125.01% 134.31% 127.13%

Revenues

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Financial revenue/ assets 24.47% 25.28% 24.57% 24.70% 34.43%
Profit margin 28.97% 26.36% 20.00% 25.55% 21.34%
Yield on gross portfolio (nominal) 30.76% 31.32% 30.46% 30.34% 37.19%
Yield on gross portfolio (real) 25.20% 24.60% 25.09% 19.89% 26.20%

Expenses

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Total expense/ assets 17.38% 18.62% 19.66% 18.39% 27.09%
Financial expense/ assets 1.52% 1.33% 2.64% 2.77% 3.61%
Provision for loan impairment/ assets 1.00% 1.05% 1.59% 1.24% 3.89%
Operating expense/ assets 14.87% 16.24% 15.43% 14.38% 19.58%
Personnel expense/ assets 9.01% 9.31% 8.90% 9.68% 12.92%
Administrative expense/ assets 5.85% 6.92% 6.53% 4.70% 6.66%

Efficiency

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Operating expense/ loan portfolio 22.16% 20.62% 19.29% 17.82% 22.54%
Personnel expense/ loan portfolio 13.43% 11.83% 11.13% 12.00% 14.88%
Average salary/ GNI per capita 4.42 3.67 2.93 3.27 5.04
Cost per borrower 32 33 34 38 62
Cost per loan 32 33 34 38 62

Productivity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Borrowers per staff member 225 178 153 169 142
Loans per staff member 225 178 153 169 142
Borrowers per loan officer 527 587 390 323 440
Loans per loan officer 527 587 390 323 440
Depositors per staff member 294 — 169 135 0
Deposit accounts per staff member 294 — 169 135 0
Personnel allocation ratio 42.59% 30.30% 39.34% 52.14% 32.36%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Portfolio at risk > 30 days 0.81% 0.46% 0.26% 0.78% 0.78%
Portfolio at risk > 90 days 0.45% 0.34% 0.00% 0.53% 0.13%
Write-off ratio 0.15% 0.05% 1.85% 0.00% 1.53%
Loan loss rate 0.15% 0.05% 1.85% 0.00% 1.35%
Risk coverage 475.93% 755.56% 1,169.25% 400.54% 662.86%
Non-earning liquid assets as a % of total assets 21.12% 8.34% 17.65% 6.14% 8.26%