Microcredit Foundation Sunrise

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Institutional Characteristics

Institutional Characteristics
MFI name	Sunrise
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2012
Period type	QTR
As of date	2012-03-31
Assets	23,184,923
OfficesOffices Number, including head office	39
PersonnelPersonnel Total number of staff members	144

Financing Structure

Financing Structure
MFI name	Sunrise
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2012
Period type	QTR
As of date	2012-03-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	27.27%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	2.67
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	81.58%

Outreach Indicators

Outreach Indicators
MFI name	Sunrise
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2012
Period type	QTR
As of date	2012-03-31
As of date	2012-03-31
Currency	USD
Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	14,545
Percent of female borrowers	—
Number of loans outstandingNumber of loans outstanding Number of loans outstanding	15,185
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	18,913,484
+ Delinquency
Less than one month	15,779,478
One month or more	1,560,314
Renegotiated loans	1,573,691
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	1,300
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	1,246
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	Sunrise
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2012
Period type	QTR
As of date	2012-03-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	1.55%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	6.05%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	104.85%

Revenues

Revenues
MFI name	Sunrise
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2012
Period type	QTR
As of date	2012-03-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	33.44%
Profit marginProfit margin Net Operating Income / Financial Revenue	4.63%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	29.71%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—

Expenses

Expenses
MFI name	Sunrise
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2012
Period type	QTR
As of date	2012-03-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	31.89%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	3.47%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	6.20%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	22.22%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	9.89%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	12.33%

Efficiency

Efficiency
MFI name	Sunrise
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2012
Period type	QTR
As of date	2012-03-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	27.91%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	12.42%
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	361
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	345

Productivity

Productivity
MFI name	Sunrise
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2012
Period type	QTR
As of date	2012-03-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	101
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	105
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	160
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	167
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	63.19%

Risk And Liquidity

Risk And Liquidity
MFI name	Sunrise
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2012
Period type	QTR
As of date	2012-03-31
As of date	2012-03-31
Currency	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	16.57%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	8.32%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	5.64%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	5.64%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	52.00%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	6.03%

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