AREGAK UCO4

AREGAK Universal Credit Organization CJSC

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Institutional Characteristics
Institutional Characteristics
MFI name AREGAK UCO
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 29,955,333
OfficesOffices

Number, including head office

 		28
+ PersonnelPersonnel

Total number of staff members

 		202
95
Financing Structure
Financing Structure
MFI name AREGAK UCO
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

 		71.07%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		0.41
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		0.00%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		0.00%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		83.90%
Outreach Indicators
Outreach Indicators
MFI name AREGAK UCO
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

 		26,660
26,457
203
5,665
20,991
4
10,810
15,850
Percent of female borrowers 78.74%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		26,709
26,290
—
249
—
112
—
58
0
0
804
25,905
0
10,830
15,879
26,477
232
5,694
21,011
4
25,905
0
0
0
25,905
804
572
232
0
232
0
0
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		25,133,135
24,784,878
348,258
179,332
168,926
94,758
74,168
74,168
0
0
2,375,570
22,757,565
0
10,341,183
14,791,953
24,108,550
1,024,585
19,826,392
5,300,262
6,481
22,757,565
0
0
0
22,757,565
2,375,570
934,940
1,440,631
0
1,440,631
0
0
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		943
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

 		27.45%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

 		941
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

 		27.40%
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

 		0
0
0
0
0
0
0
0
0
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		0
0
0
0
0
0
0
0
0
+ DepositsDeposits

Total value of all deposit accounts

 		0
0
0
0
0
0
0
0
0
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

 		—
Overall Financial Performance
Overall Financial Performance
MFI name AREGAK UCO
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

 		14.31%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		20.96%
Operational self sufficiencyOperational self sufficiency

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

 		230.45%
Revenues
Revenues
MFI name AREGAK UCO
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

 		31.70%
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		56.61%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		37.73%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

 		26.63%
Expenses
Expenses
MFI name AREGAK UCO
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

 		13.76%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		2.94%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		0.73%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		10.09%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		6.48%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		3.61%
Efficiency
Efficiency
MFI name AREGAK UCO
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

 		12.08%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		7.76%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

 		2.69
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

 		105
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		105
Productivity
Productivity
MFI name AREGAK UCO
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

 		132
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		132
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		321
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		322
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		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

 		41.09%
Risk And Liquidity
Risk And Liquidity
MFI name AREGAK UCO
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

 		1.39%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		0.67%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		1.03%
Loan loss rateLoan loss rate

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

 		1.03%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		109.51%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		3.76%