VisionFund Cambodia Ltd. - formerly MED program

VisionFund Cambodia4

VisionFund Cambodia Ltd. - formerly MED program

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Institutional Characteristics

Institutional Characteristics
MFI name	VFC	VFC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Assets	44,236,309	—
OfficesOffices Number, including head office	56	65
+ PersonnelPersonnel Total number of staff members	700	744
+ Gender
Male	445	484
Female	254	260

Financing Structure

Financing Structure
MFI name	VFC	VFC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	27.61%	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	2.62	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	1.96%	2.46%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	1.67%	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	85.27%	—

Outreach Indicators

Outreach Indicators
MFI name	VFC	VFC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
As of date	2011-12-31	2012-03-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	132,036	133,568
+ Relationship
External customers	131,969	—
Management and staff	67	—
+ Gender
Male	10,915	10,331
Female	121,121	123,237
Legal entity	0	—
+ Location
Urban	12,417	—
Rural	119,619	—
Percent of female borrowers	91.73%	92.27%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	132,036	—
+ Delinquency
Less than one month	131,839	—
+ One month or more	—	—
From one to three months	56	—
+ More than three months	—	—
From three to six months	81	—
+ More than six months	—	—
From six to twelve months	60	—
One year or more	0	—
Renegotiated loans	0	—
+ Location
Urban	12,417	—
Rural	119,619	—
+ Products (credit)
Loans to corporations	69	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	131,967	—
+ Household financing	11,214	—
Consumption	11,214	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	120,753	—
+ Relationship
External customers	131,969	—
Management and staff	67	—
+ Methodology
Individual	10,948	—
Solidarity group	10,608	—
Village banking s h g	110,480	—
+ Gender
Male	10,915	—
Female	121,121	—
Legal entity	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	37,719,086	41,460,381
+ Delinquency
Less than one month	37,664,445	—
+ One month or more	54,641	78,235
From one to three months	13,745	—
+ More than three months	40,896	—
From three to six months	15,214	—
+ More than six months	25,682	—
From six to twelve months	25,682	—
One year or more	0	—
Renegotiated loans	0	—
+ Location
Urban	4,057,592	—
Rural	33,661,494	—
+ Products (credit)
Loans to corporations	51,231	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	37,667,855	—
+ Household financing	3,236,069	—
Consumption	3,236,069	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	34,431,786	—
+ Relationship
External customers	37,668,214	—
Management and staff	50,872	—
+ Methodology
Individual	16,215,407	—
Solidarity group	4,519,616	—
Village banking s h g	16,984,063	—
+ Gender
Male	4,717,922	—
Female	33,001,164	—
Legal entity	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	286	310
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	286	—
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	106	121
+ Gender
Male	94	68
Female	74	53
+ Products (deposits)
Deposits from corporations	3	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	103	—
+ Voluntary deposits	103	—
Demand deposits	0	—
Time deposits	103	—
Compulsory deposits	0	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	153	—
+ Products (deposits)
Deposits from corporations	3	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	150	—
+ Voluntary deposits	150	—
Demand deposits	0	—
Time deposits	150	—
Compulsory deposits	0	—
+ DepositsDeposits Total value of all deposit accounts	737,691	1,021,565
+ Products (deposits)
Deposits from corporations	105,000	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	632,691	—
+ Voluntary deposits	632,691	—
Demand deposits	0	—
Time deposits	632,691	—
Compulsory deposits	0	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	6,959	8,443
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	4,822	—
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	VFC	VFC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	4.24%	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	15.95%	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	127.08%	—

Revenues

Revenues
MFI name	VFC	VFC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	25.26%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	21.31%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	29.15%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	VFC	VFC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	19.87%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	6.45%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.16%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	13.27%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	7.46%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	5.81%	—

Efficiency

Efficiency
MFI name	VFC	VFC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	15.67%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	8.81%	—
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	46	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	45	—

Productivity

Productivity
MFI name	VFC	VFC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	189	180
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	189	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	383	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	383	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	0	0
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	0	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	49.29%	—

Risk And Liquidity

Risk And Liquidity
MFI name	VFC	VFC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
As of date	2011-12-31	2012-03-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	0.14%	0.19%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.11%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.33%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.01%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	315.71%	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	11.92%	—

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VisionFund Cambodia4

VisionFund Cambodia Ltd. - formerly MED program

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