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Institutional Characteristics

Institutional Characteristics
MFI name	SINERGIJA
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	25,124,332
OfficesOffices Number, including head office	17
PersonnelPersonnel Total number of staff members	64

Financing Structure

Financing Structure
MFI name	SINERGIJA
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	3.77%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	25.50
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	—
Deposits to total assetsDeposits to total assets Deposits / Total Assets	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	87.44%

Outreach Indicators

Outreach Indicators
MFI name	SINERGIJA
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	8,134
Percent of female borrowers	—
Number of loans outstandingNumber of loans outstanding Number of loans outstanding	8,134
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	21,967,681
+ Delinquency
Less than one month	11,973,754
One month or more	7,959,426
Renegotiated loans	2,034,501
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	2,701
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	2,701
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	—
DepositsDeposits Total value of all deposit accounts	—
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	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	—
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	—

Overall Financial Performance

Overall Financial Performance
MFI name	SINERGIJA
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	7.18%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	258.58%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	136.08%

Revenues

Revenues
MFI name	SINERGIJA
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	27.07%
Profit marginProfit margin Net Operating Income / Financial Revenue	26.51%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	13.41%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—

Expenses

Expenses
MFI name	SINERGIJA
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	19.90%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	8.11%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	2.89%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	8.90%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	4.84%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	4.05%

Efficiency

Efficiency
MFI name	SINERGIJA
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	9.98%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	5.43%
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	280
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	280

Productivity

Productivity
MFI name	SINERGIJA
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	127
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	127
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	220
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	220
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	57.81%

Risk And Liquidity

Risk And Liquidity
MFI name	SINERGIJA
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	9.26%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	9.26%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	237.75%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	3.20%

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