Urwego Opportunity Bank

UOB3

Currency:

Institutional Characteristics

Institutional Characteristics
MFI name	UOB	UOB	UOB	UOB	UOB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-	-	1	3
Currency	USD	USD	USD	USD	USD
Fiscal year	2011	2012	2012	2012	2012
Period type	ANN	QTR	QTR	ANN	ANN
As of date	2011-12-31	2012-12-31	2012-12-31	2012-12-31	2012-12-31
Assets	18,664,781	24,686,713	24,686,713	24,752,652	24,752,652
OfficesOffices Number, including head office	—	11	11	43	43
PersonnelPersonnel Total number of staff members	265	253	253	278	278

Financing Structure

Financing Structure
MFI name	UOB	UOB	UOB	UOB	UOB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-	-	1	3
Currency	USD	USD	USD	USD	USD
Fiscal year	2011	2012	2012	2012	2012
Period type	ANN	QTR	QTR	ANN	ANN
As of date	2011-12-31	2012-12-31	2012-12-31	2012-12-31	2012-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	20.27%	—	—	21.38%	21.38%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	3.93	—	—	3.68	3.68
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	62.62%	59.63%	59.63%	61.79%	61.79%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	43.03%	40.92%	40.92%	42.29%	42.29%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	68.71%	68.63%	68.63%	68.44%	68.44%

Outreach Indicators

Outreach Indicators
MFI name	UOB	UOB	UOB	UOB	UOB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-	-	1	3
Currency	USD	USD	USD	USD	USD
Fiscal year	2011	2012	2012	2012	2012
Period type	ANN	QTR	QTR	ANN	ANN
As of date	2011-12-31	2012-12-31	2012-12-31	2012-12-31	2012-12-31
As of date	2011-12-31	2012-12-31	2012-12-31	2012-12-31	2012-12-31
Currency	USD	USD	USD	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	41,250	42,415	42,415	42,412	42,412
+ Location
Urban	8,278	—	—	9,535	—
Rural	32,972	—	—	32,877	—
+ Gender
Male	—	7,409	—	—	—
Female	35,825	35,006	—	35,009	—
Percent of female borrowers	86.85%	82.53%	82.53%	82.55%	82.55%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	41,250	42,463	42,463	42,412	42,412
+ Location
Urban	8,278	—	—	9,535	—
Rural	32,972	—	—	32,877	—
+ Delinquency
+ One month or more	—	—	—	—	—
+ More than three months	—	—	—	—	—
+ More than six months	—	—	—	—	—
One year or more	0	—	—	—	—
+ Gender
Male	—	7,417	—	—	—
Female	35,825	35,046	—	35,009	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	12,825,008	16,941,643	16,941,643	16,941,643	16,941,643
+ Delinquency
Less than one month	12,714,711	16,703,343	—	16,703,343	—
+ One month or more	110,297	238,300	—	238,300	—
From one to three months	85,036	200,492	—	200,492	—
+ More than three months	25,261	37,808	—	37,808	—
From three to six months	25,261	28,364	—	36,971	—
+ More than six months	0	9,444	—	837	—
From six to twelve months	0	9,444	—	—	—
One year or more	0	0	—	—	—
Renegotiated loans	0	0	—	0	—
+ Gender
Male	—	4,889,441	—	—	—
Female	—	12,052,203	—	—	—
+ Products (credit)
+ Loans to corporations	2,007,876	—	—	2,873,158	—
Loans to large corporations	0	—	—	0	—
Loans to financial institutions	0	—	—	0	—
Loans to governments	0	—	—	0	—
Loans to small and medium enterprises	2,007,876	—	—	2,873,158	—
+ Retail loans	10,817,132	—	—	14,068,485	—
Microenterprise	9,832,208	—	—	13,044,778	—
+ Household financing	984,924	—	—	1,023,708	—
Mortgage housing	0	—	—	0	—
Education	0	—	—	0	—
Consumption	984,924	—	—	1,023,708	—
Household other	0	—	—	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	311	399	399	399	399
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	57.03%	73.27%	73.27%	73.27%	73.27%
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	311	399	399	399	399
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	57.03%	73.18%	73.18%	73.27%	73.27%
Number of depositorsNumber of depositors Number of depositors with any type of deposit account	128,375	—	—	165,170	165,170
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	164,416	260,913	260,913	203,113	203,113
+ Products (deposits)
Deposits from corporations	0	80	—	0	—
Deposits from financial institutions	0	—	—	0	—
Deposits from governments	0	—	—	0	—
+ Retail deposits	164,416	260,833	—	203,113	—
+ Voluntary deposits	78,992	160,915	—	101,106	—
Demand deposits	—	160,767	—	0	—
Time deposits	—	148	—	0	—
Compulsory deposits	85,424	99,918	—	102,007	—
+ DepositsDeposits Total value of all deposit accounts	8,030,568	10,101,642	10,101,642	10,468,334	10,468,334
+ Products (deposits)
Deposits from corporations	0	2,949	—	—	—
Deposits from financial institutions	0	—	—	—	—
Deposits from governments	0	—	—	—	—
+ Retail deposits	8,030,568	10,098,692	—	—	—
+ Voluntary deposits	—	8,905,145	—	—	—
Demand deposits	—	8,666,494	—	—	—
Time deposits	—	238,651	—	—	—
Compulsory deposits	—	1,193,547	—	—	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	63	—	—	63	63
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita Average Deposit Balance per Depositor / GNI per Capita	11.00%	—	—	12.00%	12.00%
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	49	39	39	52	52
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	9.00%	7.00%	7.00%	9.00%	9.00%

Overall Financial Performance

Overall Financial Performance
MFI name	UOB	UOB	UOB	UOB	UOB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-	-	1	3
Currency	USD	USD	USD	USD	USD
Fiscal year	2011	2012	2012	2012	2012
Period type	ANN	QTR	QTR	ANN	ANN
As of date	2011-12-31	2012-12-31	2012-12-31	2012-12-31	2012-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	-0.96%	1.93%	1.93%	1.65%	1.65%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	-3.79%	—	—	7.74%	7.74%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	101.58%	112.75%	112.75%	110.01%	110.01%

Revenues

Revenues
MFI name	UOB	UOB	UOB	UOB	UOB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-	-	1	3
Currency	USD	USD	USD	USD	USD
Fiscal year	2011	2012	2012	2012	2012
Period type	ANN	QTR	QTR	ANN	ANN
As of date	2011-12-31	2012-12-31	2012-12-31	2012-12-31	2012-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	35.81%	34.65%	34.65%	33.73%	33.73%
Profit marginProfit margin Net Operating Income / Financial Revenue	1.55%	11.31%	11.31%	9.10%	9.10%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	52.42%	48.96%	48.96%	46.84%	46.84%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	46.75%	43.42%	43.42%	41.38%	41.38%

Expenses

Expenses
MFI name	UOB	UOB	UOB	UOB	UOB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-	-	1	3
Currency	USD	USD	USD	USD	USD
Fiscal year	2011	2012	2012	2012	2012
Period type	ANN	QTR	QTR	ANN	ANN
As of date	2011-12-31	2012-12-31	2012-12-31	2012-12-31	2012-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	35.25%	30.73%	30.73%	30.66%	30.66%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	4.08%	4.76%	4.76%	4.13%	4.13%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.55%	1.33%	1.33%	0.88%	0.88%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	30.62%	24.64%	24.64%	25.65%	25.65%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—	13.24%	13.24%	—	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—	11.40%	11.40%	—	—

Efficiency

Efficiency
MFI name	UOB	UOB	UOB	UOB	UOB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-	-	1	3
Currency	USD	USD	USD	USD	USD
Fiscal year	2011	2012	2012	2012	2012
Period type	ANN	QTR	QTR	ANN	ANN
As of date	2011-12-31	2012-12-31	2012-12-31	2012-12-31	2012-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	45.76%	34.99%	34.99%	36.39%	36.39%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—	18.81%	18.81%	—	—
Average salary/ GNI per capitaAverage salary/ GNI per capita Average Personnel Expense / GNI per capita	—	23.30	23.30	—	—
Cost per borrowerCost per borrower Operating Expense / Average Number of Active Borrowers	120	138	138	132	132
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	120	138	138	132	132

Productivity

Productivity
MFI name	UOB	UOB	UOB	UOB	UOB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-	-	1	3
Currency	USD	USD	USD	USD	USD
Fiscal year	2011	2012	2012	2012	2012
Period type	ANN	QTR	QTR	ANN	ANN
As of date	2011-12-31	2012-12-31	2012-12-31	2012-12-31	2012-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	156	168	168	153	153
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	156	168	168	153	153
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	448	283	283	477	477
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	448	283	283	477	477
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	484	—	—	594	594
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	620	1,031	1,031	731	731
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	34.72%	59.29%	59.29%	32.01%	32.01%

Risk And Liquidity

Risk And Liquidity
MFI name	UOB	UOB	UOB	UOB	UOB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-	-	1	3
Currency	USD	USD	USD	USD	USD
Fiscal year	2011	2012	2012	2012	2012
Period type	ANN	QTR	QTR	ANN	ANN
As of date	2011-12-31	2012-12-31	2012-12-31	2012-12-31	2012-12-31
As of date	2011-12-31	2012-12-31	2012-12-31	2012-12-31	2012-12-31
Currency	USD	USD	USD	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	0.86%	1.41%	1.41%	1.41%	1.41%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.20%	0.22%	0.22%	0.22%	0.22%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.55%	2.89%	2.89%	—	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.19%	2.89%	2.89%	—	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—	132.07%	132.07%	—	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—	—	—	—	—

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UOB3

Urwego Opportunity Bank

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