TCVM Thanh Hoa4

Thanh Hoa Fund for Poor Women

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Institutional Characteristics
Institutional Characteristics
MFI name TCVM Thanh Hoa
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Assets 1,632,482
OfficesOffices

Number, including head office

 		7
+ PersonnelPersonnel

Total number of staff members

 		67
62
Financing Structure
Financing Structure
MFI name TCVM Thanh Hoa
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

 		46.30%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		1.16
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		27.64%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		24.89%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		90.03%
Outreach Indicators
Outreach Indicators
MFI name TCVM Thanh Hoa
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4
Currency USD
Fiscal year 2011
Period type ANN
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

 		10,650
10,650
230
10,420
0
1,796
8,854
Percent of female borrowers 97.84%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		10,650
0
10,650
0
—
—
—
0
10,650
1,796
8,854
230
10,420
0
0
0
0
0
0
10,650
10,650
0
0
0
0
0
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		1,469,763
266,766
1,202,997
1,468,323
1,440
484
956
390
566
566
0
0
0
1,469,763
0
1,469,763
0
0
0
0
0
1,469,763
1,469,763
0
0
0
0
0
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		138
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

 		10.25%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

 		138
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

 		10.25%
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

 		11,086
0
0
0
11,086
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		11,693
0
0
0
11,693
971
0
971
10,722
+ DepositsDeposits

Total value of all deposit accounts

 		406,245
0
0
0
406,245
73,079
0
73,079
333,166
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

 		37
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

 		3.00%
Overall Financial Performance
Overall Financial Performance
MFI name TCVM Thanh Hoa
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

 		1.46%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		3.38%
Operational self sufficiencyOperational self sufficiency

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

 		107.87%
Revenues
Revenues
MFI name TCVM Thanh Hoa
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

 		19.95%
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		7.30%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		23.09%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

 		3.61%
Expenses
Expenses
MFI name TCVM Thanh Hoa
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Total expense/ assetsTotal expense/ assets

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

 		18.50%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		2.74%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		0.34%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		15.41%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		9.60%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		5.81%
Efficiency
Efficiency
MFI name TCVM Thanh Hoa
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

 		18.33%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		11.43%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

 		1.61
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

 		23
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		23
Productivity
Productivity
MFI name TCVM Thanh Hoa
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

 		159
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		159
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		323
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		323
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		165
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		175
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		49.25%
Risk And Liquidity
Risk And Liquidity
MFI name TCVM Thanh Hoa
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4
Currency USD
Fiscal year 2011
Period type ANN
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

 		0.10%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		0.07%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		0.02%
Loan loss rateLoan loss rate

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

 		0.02%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		1,059.83%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		4.46%