BRS04 MFI FACTSHEET: PERFORMANCE INDICATORS

NAME OF INSTITUTION AMG Global Microfinance

AUTOMATICALLY GENERATED
Factor of
annualization 1 1 1 #NAME?

Year Year Year Year Year-to-date

Item ref. 2012 2013 2014 2015 #NAME?
Variations to previous year
D01 in Total Assets Previous year needed 91.8% 64.6% 145.1% #NAME?
D02 in Net Portfolio Previous year needed 153.0% 19.0% 147.1% #NAME?
D03 in value of loans disbursed Previous year needed 126.5% 22.9% 95.1% #NAME?
D04 in Equity Previous year needed 71.9% 58.3% 41.0% #NAME?
D05 in Total Deposits Previous year needed 136.7% 40.1% 148.1% #NAME?
D06 in Total Borrowed Funds Previous year needed #DIV/0! 475.2% 799.2% #NAME?
D07 in Operational Income Previous year needed 181.1% 42.7% 93.8% #NAME?
D08 in Operating Expenses Previous year needed 40.4% 50.8% 98.2% #NAME?
D09 in Nbr. of Staff Previous year needed 36.4% 93.3% 93.1% #NAME?
D10 in Nbr. of Clients Previous year needed 75.8% 45.9% 133.2% #NAME?
D11 Currency Variation Previous year needed -5.5% 2.6% 3.7% #NAME?

Portfolio Quality
D12 Portfolio at risk
D13 1-30 days 0.0% 1.3% 0.4% 0.3% #NAME?
D14 31-60 days 0.0% 0.0% 0.4% 0.4% #NAME?
D15 61-90 days 0.0% 0.0% 0.4% 0.4% #NAME?
D16 91-180 days 0.0% 0.0% 0.7% 0.8% #NAME?
D17 181-365 days 0.0% 0.0% 0.6% 0.1% #NAME?
D18 + 365 days 0.0% 0.0% 1.6% 1.6% #NAME?
D19 Rescheduled (no current arrears) 3.0% 1.9% 0.9% 0.6% #NAME?
D20 Total > 1 day (PAR1-rescheduled) 0.0% 1.3% 4.0% 3.5% #NAME?
D21 Total > 30 days (PAR30-rescheduled) 0.0% 0.0% 3.6% 3.2% #NAME?
D22 Total > 30 days + rescheduled (PAR30) 3.0% 1.9% 4.5% 3.9% #NAME?
D23 Protection
D24 Loan loss reserve ratio 2.0% 2.0% 5.2% 3.2% #NAME?
D25 Risk coverage ratio (of PAR30 + rescheduled) 68% 105% 116% 82% #NAME?
D26 Provision expense ratio Previous year needed 1.7% 4.0% 1.4% #NAME?
D27 Write-Off
D28 Write-off Ratio 0.0% 0.0% 0.0% 0.0% #NAME?
D29 Portfolio at risk write-off index #DIV/0! #DIV/0! 0.0% 0.0% #NAME?

Financial Structure
D30 Earning capacity of assets
D31 Gross Loan Portfolio / Total Assets 69% 91% 68% 67% #NAME?
D32 Non-earning assets / Total Assets 21% 7% 13% 21% #NAME?
D33 Solvency
D34 Capital Adequacy 411% 258% 226% 66% #NAME?
D35 Leverage 0.2 0.4 0.4 1.5 #NAME?
D36 Working Capital 112% 77% 93% 73% #NAME?
D37 Liability Composition
D38 Total Client Deposits / Total Liabilities 93% 80% 62% 32% #NAME?
D39 Borrowed funds / Total Liabilities 0% 11% 36% 67% #NAME?
D40 ST Liabilities / Total Liabilities 100% 100% 64% 45% #NAME?
D41 Gross Loan Portfolio / Total Clients Deposits 381% 406% 357% 348% #NAME?
D42 Donated equity / Total equity 42% 39% 39% 41% #NAME?

Efficiency & Productivity

D43 Portfolio Yield Previous year needed 35.3% 31.4% 31.8% #NAME?
D44 Operating expense ratio Previous year needed 17.7% 16.7% 17.5% #NAME?
D45 Portfolio Rotation Previous year needed 272% 209% 216% #NAME?
D46 Average disbursed loan size 692 977 896 1,298 #NAME?
D47 Cost per loan Previous year needed 113 109 141 #NAME?
D48 Number of loans per loan officer 291 323 266 229 #NAME?
D49 Number of loans per staff member 132 172 129 106 #NAME?
D50 Credit staff as % of staff 45% 53% 48% 46% #NAME?

Sustainability
D51 Return on Equity (ROE) Previous year needed 34.2% 27.0% 18.6% #NAME?
D52 Return on Equity (ROE) excluding donations Previous year needed 15.2% 9.9% 14.1% #NAME?
D53 Return on Assets (ROA) Previous year needed 25.6% 19.0% 9.0% #NAME?
D54 Return on Assets (ROA) excluding donations Previous year needed 11.4% 7.0% 6.8% #NAME?
D55 Operational self-sufficiency (OSS) 90.2% 162.3% 140.4% 145.2% #NAME?

Profitability Analysis
D56 Net Margin 212.0% 86.6% 78.3% 41.1% #NAME?
D57 Interest Margin Previous year needed 32.9% 29.6% 28.4% #NAME?
D58 Operating Margin -10.9% 38.4% 28.8% 31.2% #NAME?
D59 Net Financial Margin 89.1% 88.3% 81.5% 85.1% #NAME?
D60 Cost ratio 112.2% 56.5% 64.7% 63.4% #NAME?
D61 Cost of funds
D62 Cost of Client Deposits Previous year needed 4.9% 4.9% 4.7% #NAME?
D63 Cost of Borrowed Funds Previous year needed 49.1% 5.6% 6.1% #NAME?
D64 Funding expense ratio Previous year needed 2.4% 1.9% 3.4% #NAME?
BRS04 MFI FACTSHEET: PERFORMANCE INDICATORS

NAME OF INSTITUTION AMG Global Microfinance

AUTOMATICALLY GENERATED
Factor of
annualization 1 1 1 #NAME?

Year Year Year Year Year-to-date

Item ref. 2012 2013 2014 2015 #NAME?
Social Indicators - strategy: define and monitor social goals
D65 Number of disbursed loans > GNI (%) 15.2% 10.9% 12.7% 34.8% 46.4%
D66 Number of disbursed loans < GNI (%) 84.8% 89.1% 87.3% 65.2% 53.6%
D67 Average disbursed loan size as % of GNI 40.7% 57.2% 47.7% 64.1% #NAME?

Social Indicators - products and services

D68 Borrowers retention rate 0 78.1% 71.7% 82.1% 81.9%
D69 Distribution by sector
D70 consumption loans 13% 17% 16% 14% #NAME?
D71 services and trade 48% 48% 48% 34% #NAME?
D72 production and crafts 1% 0% 0% 0% #NAME?
D73 agriculture 38% 35% 36% 52% #NAME?
D74 Distribution by lending methodology
D75 individual lending 100% 100% 100% 100% 100%
D76 group lending 0% 0% 0% 0% 0%

Social Indicators - client protection: treat clients responsibly

D77 EIR (Proxy) Previous year needed 36.0% 32.9% 33.1% #NAME?
D78 portfolio yield Previous year needed 35.3% 31.4% 31.8% #NAME?
D79 adjustment for PAR30 Previous year needed 0.7% 1.4% 1.2% #NAME?
D80 adjustment for Write-off Previous year needed 0.0% 0.0% 0.0% #NAME?
D81 Client retention rate Previous year needed 83.2% 74.6% 87.1% 100.5%
D82 Profile of clients by gender
D83 female clients 61.0% 61.0% 49.8% 41.6% #NAME?
D84 male clients 39.0% 39.0% 50.2% 58.4% #NAME?
D85 Profile of clients by rural/urban
D86 rural clients 69.0% 72.0% 81.0% 85.0% 85.0%
D87 urban clients 31.0% 28.0% 19.0% 15.0% 15.0%

Social Indicators - SR towards staff: treat employees responibly

D88 Staff retention rate 100.0% 100.0% 91.9% 95.1% 95.5%
D89 Staff rotation rate 0.0% 0.0% 8.1% 4.9% 4.5%
D90 Profile of staff by gender
D91 female staff 54.5% 66.7% 48.3% 55.4% 60.3%
D92 male staff 45.5% 33.3% 51.7% 44.6% 39.7%
D93 Profile of management by gender
D94 female management 50.0% 40.0% 42.9% 55.6% 55.6%
D95 male management 50.0% 60.0% 57.1% 44.4% 44.4%