- Gasto personal/activos
Institutional Characteristics
| 2004 | 2005 | 2006 | 2007 | 2008 | ||
|---|---|---|---|---|---|---|
| A la fecha | 2005-03-31 | 2006-03-31 | 2007-03-31 | 2008-03-31 | 2009-03-31 | |
| Moneda | USD | USD | USD | USD | USD | |
| Activos totales |
 |
9,130,883 | 26,811,799 | 78,797,574 | 336,831,099 | 596,162,206 |
| Oficinas |
 |
27 | 84 | 299 | 778 | 1,354 |
| Personal |
 |
290 | 809 | 1,945 | 6,425 | 13,407 |
Financing Structure
| 2004 | 2005 | 2006 | 2007 | 2008 | ||
|---|---|---|---|---|---|---|
| A la fecha | 2005-03-31 | 2006-03-31 | 2007-03-31 | 2008-03-31 | 2009-03-31 | |
| Ratio capital/activo |
 |
0.83% | 13.59% | 20.87% | 15.72% | 21.86% |
| Ratio deuda capital |
 |
119.88 | 6.36 | 3.79 | 5.36 | 3.57 |
| Depósitos/cartera bruta |
 |
0.00% | 0.19% | 0.00% | 0.00% | 0.00% |
| Depósitos/activo total |
 |
0.00% | 0.15% | 0.00% | 0.00% | 0.00% |
| Cartera bruta/ total de activos |
 |
83.29% | 76.81% | 80.27% | 77.69% | 46.75% |
Outreach
| 2004 | 2005 | 2006 | 2007 | 2008 | ||
|---|---|---|---|---|---|---|
| A la fecha | 2005-03-31 | 2006-03-31 | 2007-03-31 | 2008-03-31 | 2009-03-31 | |
| Moneda | USD | USD | USD | USD | USD | |
| + Número de prestatarios activos |
 |
73,635 | 172,970 | 513,108 | 1,629,474 | 3,520,826 |
| — | — | — | — | — | 3,520,826 | |
| — | — | — | — | — | 3,520,826 | |
| — | 73,635 | 172,970 | 513,108 | 1,629,474 | 3,520,826 | |
| Porcentaje de prestatarias mujeres |
 |
100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| + Número de créditos vigentes |
 |
84,858 | 213,985 | 634,116 | 2,016,041 | — |
| — | 82,437 | 0 | 0 | 0 | — | |
| — | — | — | — | — | — | |
| — | 66 | 0 | 0 | 0 | — | |
| — | — | — | — | — | — | |
| — | 155 | 0 | 0 | 0 | — | |
| — | — | — | — | — | — | |
| — | 1,074 | 0 | 0 | 0 | — | |
| — | 1,126 | 1,288 | 145 | 0 | — | |
| — | 1 | 0 | 0 | 0 | — | |
| + Cartera bruta |
 |
7,604,875 | 20,593,830 | 63,247,572 | 261,686,364 | 278,710,715 |
| — | — | — | — | — | 278,710,715 | |
| — | 7,230,283 | 20,281,265 | — | — | 277,769,326 | |
| — | 393,569 | 312,565 | 74,216 | 384,449 | — | |
| — | 4,531 | 69,276 | 0 | 295,690 | 0 | |
| — | — | — | — | — | — | |
| — | 16,277 | 0 | 22,171 | 81,503 | 862,645 | |
| — | — | — | — | — | — | |
| — | 169,707 | 0 | 32,245 | 7,256 | 69,314 | |
| — | 197,565 | 241,429 | 19,800 | 0 | 9,430 | |
| — | 5,488 | 1,860 | 0 | 0 | 0 | |
| — | — | — | — | — | 278,710,715 | |
| — | — | — | — | — | 278,710,715 | |
| — | — | — | — | — | 17,889,446 | |
| — | — | — | — | — | 260,821,269 | |
| Saldo promedio de crédito por prestatario |
 |
103 | 119 | 123 | 161 | 79 |
| Saldo promedio de crédito por prestatario/PNB per cápita |
 |
16.39% | 16.09% | 15.03% | 16.90% | 8.33% |
| Saldo promedio vigente |
 |
90 | 96 | 100 | 130 | — |
| Saldo promedio vigente/PNB per cápita |
 |
14.23% | 13.01% | 12.16% | 13.66% | — |
| + Número de depositantes |
 |
— | 0 | 0 | 0 | 0 |
| — | — | — | — | — | 0 | |
| + Número de cuentas de ahorros |
|
— | 0 | 0 | 0 | 0 |
| — | — | — | — | — | 0 | |
| + Depósitos |
 |
0 | 39,780 | 0 | 0 | 0 |
| — | 0 | 39,780 | 0 | 0 | 0 | |
| — | 0 | 0 | 0 | 0 | — | |
| — | 0 | 0 | 0 | 0 | — | |
| — | 0 | 0 | 0 | 0 | — | |
| — | 0 | 39,780 | 0 | 0 | — | |
| Saldo promedio de depósitos por depositante |
|
— | — | — | — | — |
| Saldo promedio de depósitos por depositante/PNB per cápita |
|
— | — | — | — | — |
| Saldo promedio por cuenta de depósitos |
|
— | — | — | — | — |
| Saldo promedio por cuenta de depósitos/PNB per cápita |
|
— | — | — | — | — |
Overall Financial Performance
| 2004 | 2005 | 2006 | 2007 | 2008 | ||
|---|---|---|---|---|---|---|
| A la fecha | 2005-03-31 | 2006-03-31 | 2007-03-31 | 2008-03-31 | 2009-03-31 | |
| USD | USD | USD | USD | USD | ||
| Retorno sobre activos |
 |
-0.06% | 2.83% | 0.76% | 1.99% | 3.68% |
| Retorno sobre patrimonio |
 |
-6.33% | 27.32% | 3.98% | 11.94% | 18.72% |
| Auto suficiencia operativa |
 |
99.79% | 120.74% | 110.29% | 119.75% | 128.53% |
Revenues
| 2004 | 2005 | 2006 | 2007 | 2008 | ||
|---|---|---|---|---|---|---|
| A la fecha | 2005-03-31 | 2006-03-31 | 2007-03-31 | 2008-03-31 | 2009-03-31 | |
| USD | USD | USD | USD | USD | ||
| Ingresos financieros/activos |
 |
27.34% | 20.41% | 19.15% | 20.36% | 25.78% |
| Margen de ganancia |
 |
-0.21% | 17.18% | 9.33% | 16.50% | 22.20% |
| Rendimiento sobre la cartera bruta (nominal) |
 |
31.47% | 21.57% | 23.77% | 25.28% | 36.28% |
| Rendimiento sobre la cartera bruta (real) |
 |
26.70% | 16.62% | 16.98% | 17.78% | 28.12% |
Expenses
| 2004 | 2005 | 2006 | 2007 | 2008 | ||
|---|---|---|---|---|---|---|
| A la fecha | 2005-03-31 | 2006-03-31 | 2007-03-31 | 2008-03-31 | 2009-03-31 | |
| USD | USD | USD | USD | USD | ||
| Total gasto/activos |
 |
27.39% | 16.90% | 17.37% | 17.00% | 20.06% |
| Gasto financiero/activos |
 |
11.96% | 6.77% | 5.99% | 6.76% | 8.92% |
| Provisión por incobrables/activos |
 |
3.68% | 1.92% | 0.88% | 0.61% | 0.51% |
| Gastos operativos/activos |
 |
11.75% | 8.22% | 10.50% | 9.63% | 10.62% |
| Gasto personal/activos |
 |
6.41% | 4.95% | 5.44% | 5.72% | 6.42% |
| Gasto administrativo/activo |
 |
5.35% | 3.27% | 5.06% | 3.91% | 4.20% |
Efficiency
| 2004 | 2005 | 2006 | 2007 | 2008 | ||
|---|---|---|---|---|---|---|
| A la fecha | 2005-03-31 | 2006-03-31 | 2007-03-31 | 2008-03-31 | 2009-03-31 | |
| USD | USD | USD | USD | USD | ||
| Gasto operativo/cartera de crédito |
 |
15.07% | 10.47% | 13.22% | 12.32% | 18.34% |
| Gasto personal/cartera de crédito |
 |
8.22% | 6.31% | 6.85% | 7.32% | 11.09% |
| Salario promedio /PNB per cápita |
 |
3.16 | 2.19 | 2.54 | 2.99 | 3.18 |
| Costo por prestatario |
 |
16 | 12 | 16 | 19 | 19 |
| Costo por préstamo |
 |
14 | 10 | 13 | 15 | — |
Productivity
| 2004 | 2005 | 2006 | 2007 | 2008 | ||
|---|---|---|---|---|---|---|
| A la fecha | 2005-03-31 | 2006-03-31 | 2007-03-31 | 2008-03-31 | 2009-03-31 | |
| Prestatarios por miembro del personal. |
 |
254 | 214 | 264 | 254 | 263 |
| Créditos por miembro del personal |
 |
293 | 265 | 326 | 314 | — |
| Prestatarios por oficial de crédito |
 |
281 | 235 | 386 | 436 | 443 |
| Créditos por oficial de crédito |
 |
324 | 290 | 477 | 539 | — |
| Depositantes por miembro del personal |
|
— | 0 | 0 | 0 | 0 |
| Cuentas de ahorros por miembro del personal |
|
— | 0 | 0 | 0 | 0 |
| Ratio de distribución de personal |
 |
90.34% | 91.10% | 68.38% | 58.21% | 59.28% |
Risk and Liquidity
| 2004 | 2005 | 2006 | 2007 | 2008 | ||
|---|---|---|---|---|---|---|
| A la fecha | 2005-03-31 | 2006-03-31 | 2007-03-31 | 2008-03-31 | 2009-03-31 | |
| USD | USD | USD | USD | USD | ||
| Cartera en Riesgo > 30 días |
 |
5.18% | 1.52% | 0.12% | 0.15% | 0.34% |
| Cartera en Riesgo > 90 días |
 |
5.12% | 1.18% | 0.12% | 0.03% | 0.34% |
| Ratio de préstamos castigados |
 |
0.00% | 1.00% | 0.61% | 0.29% | 0.83% |
| Tasa de incobrables |
|
0.00% | 1.00% | 0.61% | 0.29% | 0.83% |
| Cobertura de riesgo |
 |
63.40% | 142.80% | 907.01% | 398.37% | 142.96% |
| Activos líquidos no producidos /activo total |
 |
16.69% | 18.46% | 16.44% | 20.35% | 51.21% |