SOCREMO1

SOCREMO - Banco de Microfinanças de Moçambique

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Institutional Characteristics
Institutional Characteristics
MFI name SOCREMO
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 —
OfficesOffices

Number, including head office

 		13
PersonnelPersonnel

Total number of staff members

 		321
Financing Structure
Financing Structure
MFI name SOCREMO
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

 		—
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		—
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		0.09%
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

 		—
Outreach Indicators
Outreach Indicators
MFI name SOCREMO
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

 		12,018
Percent of female borrowers —
Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		—
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		25,479,887
287,925
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		2,120
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

 		—
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

 		51,355
Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		—
DepositsDeposits

Total value of all deposit accounts

 		22,451
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

 		0
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 SOCREMO
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

 		—
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		—
Operational self sufficiencyOperational self sufficiency

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

 		—
Revenues
Revenues
MFI name SOCREMO
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

 		—
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		—
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

 		—
Expenses
Expenses
MFI name SOCREMO
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

 		—
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		—
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		—
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		—
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		—
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		—
Efficiency
Efficiency
MFI name SOCREMO
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

 		—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		—
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

 		—
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		—
Productivity
Productivity
MFI name SOCREMO
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

 		—
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

 		160
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

 		—
Risk And Liquidity
Risk And Liquidity
MFI name SOCREMO
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

 		1.13%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		—
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

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

Cash and banks / Total Assets

 		—