Appraise

"Getting Started" provides a quick step-by step guide to set up options and data input.
"About Appraise" provides version information about Appraise.xls

Version 1

Appraise.xls is designed to calculate key data and ratios as described in CGAPs revised 2006 Appraisal Format, an outline of information to be compiled and analyzed for the appraisal of a microfinance institution (MFI).

Set Up Options
Language Color Scheme Number Loan Products Number Savings Products

Navigation
15 15 15
Go to Input Data sheet to input all data

Utilities
Select sheets to print Export all data to an Excel .csv file

CGAP
Name of Local Currency for data input

Number of Liabilities

Input Data

Trans. Pounds US Dollars

Nominal Local Currency Number of Actual Years Number of Projected Years

Name of Other Currency for Output tables Other Currency Type (for Output tables)

5 3

Select an Output Table to view

Calculator Yield Calculator

Actual
Year 1 Year 2 Year 3 Year 4 Current (YTD)

Projected
Year 6 Year 7 Year 8

Dec Dec Dec 2004 2005 2006 Exchange rate 50.0 50.0 50.0 50.0 GDP Deflator 5.0% 5.0% 5.0% 5.0%
End Month Fiscal Year 2003 Make all selections above, then press Setup

Dec

Dec Dec Dec Dec 2007 2008 2009 2010 50.0 48.0 48.0 48.0 5.0% 5.0% 5.0% 5.0%

* Output Tables are numbered per CGAP's 2005 Appraisal Format. * Output tables are formatted and calculated per the set up options you have selected.

Version 1

CGAPs revised 2006 Appraisal Format, an outline of information to be compiled and analyzed for

ptions and data input.

Utilities
Select sheets to print Export all data to an Excel .csv file

Calculator Yield Calculator

Getting Started
A quick Guide to Appraise.xls
Use this Menu to go to output Tables

Tabla 4.3 Resumen de los productos de prstamo

Appraise.xls is an Excel workbook which allows for the completion of all tables outlined in CGAPs revised 2005 Appraisal Format. Appraisers may wish to send Appraise.xls to MFIs for pre-appraisal data collection and input. Appraise xls. Warning: Appraise.xls sheets are protected (without password). To make changes to protected cells, unprotect the sheet (Tools/Protection/Unprotect sheet). You may change formulas or add your own tables to blank sections of the workbook. However, if you insert or delete any rows or columns, or delete existing sheets, the existing navigation system may no longer operate correctly.

The basic steps to follow when using Appraise.xls: 1. Enable macros upon opening the workbook. 2. Select set-up options on the Intro sheet to tailor Appraise to your needs. Then press the Set Up Button to activate your selections. 3. Input all data on the Input Data sheet in WHITE CELLS. Red comment indicators throughout the workbook provide guidance for data input and explanations of calculations. 4. Use the Output table menu located on all sheets to select an output table to view. You can also use the sheet tabs to navigate between sheets OR the Appraise Menu located first on the Excel menu at the top of your screen. There are 23 Output Tables, numbered according to CGAP's 2005 Appraisal Format. Output tables are formatted and calculated per the Set Up options you select (i.e. Number of years, number of products, currency conversion, etc...). 5. Cut and paste finalized tables into your Appraisal format document.

The Intro Sheet

Set Up Options On the Intro sheet, set up Appraise.xls to meet your needs. Make all selections, then press the Set Up button to finalize. The options include:

1. Language: Select a language preference for Appraise (English, French, or Spanish). 2. Color Scheme: Select a color scheme for the entire workbook. Depending on your viewing preference, you may choose CGAP (default), Sky, Ocean, Earth, or Forest colors. 3. Number of Loan Products: Select from 1 to 15 loan products. Your selection will determine the number of available loan product-specific input sections on the Data Input sheet and format for corresponding output tables.

4. Number of Savings Products: Select from 1 to 15 savings products from the drop-down menu provided. Your selection will determine the number of available loan product-specific input sections on the Data Input sheet and format for corresponding output tables. 5. Number of Liabilities: Select from 1-15 Liabilities to format your Composition of Liabilities table. 6. Local Currency Name: Enter the name of the currency you plan to use to enter all data. Your input data will remain as entered on the Input Data sheet. 7. Name of Currency for output Tables: Enter the name of the currency you want for Financial Statements output tables. (Excel will calculate all output tables using the exchange rate you specify). 8. Other Currency Type (for Output tables): Select the currency type to show financial statements output tables in: Nominal local currency , Constant local currency , or Constant other currency. 9. Number of Actual years: Select the number of Actual Years (from 1 to 5) you wish to input and show data. This selection will determine the number of years shown in all output tables (but all input years will remain visible on the Data Input sheet). 10. Number of Projected Years: Select the number of Projected Years (from 0-3) you wish to input and show data. Projected years are those years following actual years for which you wish to show projected data. This selection will determine the number of years shown in Table 8.1 Projected Performance (All input years will remain visible on the Data Input sheet). 11. Month: From the drop-down menu, select the last month of the fiscal year for all full years, and the last month for which there is available data for the last year you plan to use. 12. Year: Enter the fiscal years you plan to use. 13. Exchange Rate: enter the Exchange rate for each year you plan to use. 14. GDP Deflator: enter the GDB deflator for each year you plan to use. The following additional options are available on the Data Input Sheet: 1. 2. 3. 4. Loan Classification: Over-write default to suit your needs. Loan Aging Categories: Overwrite default to suit your needs. Average (Mean or Median): Select to use Mean or Median for Average calculations. Institutional/Individual Accounts: Select to use Individual Accounts, Institutional Accounts, or both. 5. Calculation of average annual data: Overwrite with data calculated from monthly entries.

Utilities The following additional utilities are available: 1. Select sheets to print. 2. Export all data to an Excel .csv file (for import into other programs). 3. Clear all data. 4. Calculator. 5. Yield calculator. 6. Graph calculator.

Navigation 1. Use buttons and drop-down menus available on all sheets to navigate. 2. Use the Appraise Menu (located first on the Excel menu) to navigate.

The Input Data Sheet

Compilation of all data required to complete all 23 tables may not be possible for some MFIs. In such cases, data should be compiled and entered for at least the following critical output tables: List of Critical Tables
Table 4.1 Product Summary Table 4.3 Loan Products Summary Table 7.1 Income Statement Table 7.2 Balance Sheet Table 7.3 Cash Flow Statement (Direct) Table 7.6 Macroeconomic Data Table 7.7 Performance Ratios and Peer Group Benchmarking Table 7.8 Comparison of Actual and Theoretical Yields Table 7.9 Analytical Adjustments

Appraise Worksheets Summary of usage

Appraise.xls contains 19 visible worksheets:
Visible Worksheet Name and Order
1. Intro 2. Getting Started 3. Input Data 4. Summary Data 5. Ownership

Usage
Set Up options, Utilities Quick guide to Appraise.xls All data input cells Output table Output table Output table Output table Output table Output table Output table Output table Output table Output table Output table Output table Output table Output table Output table Output table

Appraise Format Table Name

Table 2.1 Summary of Key Data Table 3.2 Staffing Summary Data Table 3.1 Current MFI Ownership Summary Table 4.1 Product Summary Table 4.4 Classification of Loan Portfolio Table 4.5 Analysis of Product Lines Table 6.1 Loan Portfolio Report Table 4.2 Savings Products Summary Table 4.3 Loan Products Summary Table 5.1 Outreach Summary Table 7.1 Income Statement Table 7.2 Balance Sheet Table 7.3 Cash Flow Statement (Direct) Table 7.4 Composition of Funding Liabilities Table 7.5 External Grants and Subsidies Table 7.6 Macroeconomic Data

6. Products

7. Products2 8. Outreach 9. Financial Statements 10. Liabilities 11. Grants & Subsidies 12. Adjustments

12. Adjustments 13. Yield 14. Yield Calculator 15. Performance Ratios 16. Projections 17. Risk management 18. Graphs 19. About

Output table Output table Loan Yield Calculator Output table Output table Output table Output table Output table Graphs Version information

Table 7.9 Analytical Adjustments Table 7.8 Comparison of Actual and Theoretical Yields Table 7.7 Performance Ratios and Peer Group Benchmarking Table 8.1 Projected Performance Table 7.10 Asset/Liability Maturity Mismatch Table Table 7.11 Foreign Currency Mismatch Table Table 7.12 Interest Rate Sensitivity Mismatch Table

Human Resources
Name of Institution Country

Human Resources
Total number staff, beginning of period Total number staff, end of period Number of staff hired during period Number of loan officers, end of period Number of savings officers, end of period Average annual loan officer compensation

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Ownership Summary
As of (date): Dec 2007 Type (individual, company, bank NGO, other) Amount of Ownership (in % Ownership local currency)

Current Ownership: Owner Name

Domestic or International

Product Summary
As of (date): Dec 2007 Currency: Trans. Pounds

Use Number of Active Clients or Number of Active Accounts Number of Active Clients Use Average Account Balance or Median Account Balance Average Account Balance (mean) Average Account Balance (mean)

Number of Products Savings Products Loan Products Other Financial Products Other Non-Financial Products

Number of Active Clients

Total Balance or Value

Analysis of Product Lines

As of (date): Dec 2007 Savings Products Product Balance Savings Product 1 Savings Product 2 Savings Product 3 Savings Product 4 Savings Product 5 Savings Product 6 Savings Product 7 Savings Product 8 Savings Product 9 Savings Product 10 Savings Product 11 Savings Product 12 Savings Product 13 Currency: Trans. Pounds Number of Active Clients Total Fee Revenue Name of Savings Product

Savings Product 14 Savings Product 15 Total Savings Products

0 Number of Active Clients

0 Total Fee Revenue

0 Name of Loan Product

Loan Products Product Balance Loan Product 1 Loan Product 2 Loan Product 3 Loan Product 4 Loan Product 5 Loan Product 6 Loan Product 7 Loan Product 8 Loan Product 9 Loan Product 10 Loan Product 11 Loan Product 12 Loan Product 13 Loan Product 14 Loan Product 15 Total Loan Products

0 Number of Active Clients

0 Total Fee Revenue

0 Name of Product

Other Financial Products Product Balance Other Financial Product 1 Other Financial Product 2 Other Financial Product 3 Other Financial Product 4 Other Financial Product 5 Total Other Financial Products

0 Number of Active Clients

0 Total Fee Revenue

0 Name of Product

Non-Financial Products Product Balance Non-Financial Product 1 Non-Financial Product 2 Non-Financial Product 3 Non-Financial Product 4 Non-Financial Product 5 Total Non-Financial Products

Classification of Loan Portfolio

As of (date): Dec 2007 Loan Size (Local Currency) 0 -250 251 - 500 501 - 1,000 1,001 - 5000 5,001- 10,000 >10,000 Amount of Portfolio # of Loans

Default Classification 0 - 250 251 - 500 501 - 1,000 1,001 - 5000 5,001- 10,000 >10,000

Loan Portfolio
All Loan Products Loans disbursed (number) Loans disbursed (amount) Number active loans (end of period) Loan Loss (amount) Loan Losses written off over the period (amount) Increase in Impairment Allowance over the period (amount) Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007

Note: The PAR Performance ratio uses the 4 bottom rows of the classification Number of days overdue to use for PAR calculation >
30 Number of Loans

PAR30

Number of Loans
Loans that have never been renegotiated Current

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

1-30 days overdue 31-90 days overdue 91-180 days overdue 181-365 days overdue > 365 days overdue Renegotiated Loans Current 1-30 days overdue 31-90 days overdue 91-180 days overdue 181-365 days overdue > 365 days overdue Total Number of Loans Outstanding Number of overdue loans Number of loans at risk

Outstanding Balance
Loans that have never been renegotiated Current 1-30 days overdue 31-90 days overdue 91-180 days overdue 181-365 days overdue > 365 days overdue Renegotiated Loans Current 1-30 days overdue 31-90 days overdue 91-180 days overdue 181-365 days overdue > 365 days overdue Total Gross Portfolio Overdue loans (amount) Loans at risk (amount) Dec 2003

Outstanding Balance Dec 2004 Dec 2005 Dec 2006 Dec 2007

Savings Product Summary

Savings Product 1 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 2 Interest Rate (%) and calculation method Minimum deposit to open account

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 3 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 4 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 5 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007 Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007 Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007

Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 6 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 7 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 8 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007 Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007 Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007

Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 9 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 10 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 11 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007 Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007 Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007

Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 12 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 13 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 14 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007 Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007 Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007

Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 15 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007

Loan Products Summary

Loan Product 1 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 2 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 3 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 4 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 5 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are:

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 6 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 7 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 8 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 9 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 10 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 11 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 12 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated)

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 13 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 14 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Renegotiated loans - overdue over 365 days Loan Product 15 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

Outreach
Use Mean or Median account balances Average Account Balance (mean) Dec 2003 Population of region(s) covered Market size (if available) Total number of active clients (end of period) Total number new clients(over period) Total number of loan clients Total number of savings clients (voluntary) Percentage of clients who are women Percentage of clients located in rural areas Percentage of recent clients living below the national poverty line Percentage of clients living on less than PPP adjusted US$1 per day Mean loan balance as % of national poverty line or GNI Mean voluntary savings balance as % of national poverty line or GNI Dec 2004 Dec 2005 Dec 2006 Dec 2007

Macroeconomic Data
Dec 2003 Inflation rate GDP Deflator Market Rate for Borrowings (IMF statistics) 90-day certificate of deposit rate Prime rate paid by commercial bank borrowers Marginal commercial rate available to the MFI Per capita GDP Per capita GNI Exchange rate (Local currency/Other currency) National Poverty Line 5.0% Dec 2004 5.0% Dec 2005 5.0% Dec 2006 5.0% Dec 2007 5.0%

50.0

50.0

50.0

50.0

50.0

Financial Statements
Income Statement
Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007

Financial Revenue Financial Revenue from Loan Portfolio Interest on Loan Portfolio Fees and Commissions on Loan Portfolio Financial Revenue from Investments Other Operating Revenue Financial Expense Financial Expense on Funding Liabilities Interest and Fee Expense on Deposits Interest and Fee Expense on Borrowings Other Financial Expense Net Financial Income Loan Impairment Provision for Loan Impairment Value of Loans Recovered Operating Expense Personnel Expense Administrative Expense Depreciation Expense Other Administrative Expense Net Operating Income Net Non-Operating Income/(Expense) Non-Operating Revenue Non-Operating Expense Net Income (Before Taxes and Donations) Taxes Net Income (After Taxes and Before Donations) Donations Donations for Loan Capital Donations for Operating Expense Net Income (After Taxes and Donations)

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0

0 Dec 2003 Dec 2004

0 Dec 2005

0 Dec 2006

0 Dec 2007

Balance Sheet
Assets Cash and Due from Banks Trade Investments Net Loan Portfolio Gross Loan Portfolio Allowance for Impairment Interest Receivable on Loan Portfolio Accounts Receivable and Other Assets Other Investments Net Fixed Assets

Fixed Assets Accumulated Depreciation and Amortization Total Assets Liabilities Demand Deposits: Voluntary savings Demand Deposits: Forced savings Short-Term Time Deposits Short-Term Borrowings Interest Payable on Funding Liabilities Accounts Payable and Other Short-Term Liabilities Long-Term Time Deposits Long-Term Borrowings Other Long-Term Liabilities Total Liabilities Equity Paid-In Capital Donated Equity Prior Years Current Year Retained Earnings Prior Years Current Year Reserves Other Equity Accounts Adjustments to Equity Total Equity

OK OK

OK

OK

OK

Dec 2007

Does Balance Sheet balance? Direct Cashflow Statement

Cash Flows from Operating Activities Cash Received from Interest, Fees, and Commissions on Loan Portfolio Cash Received from Interest on Investments Cash Received as Other Operating Revenue Value of Loans Repaid (Cash Paid for Financial Expenses on Funding Liabilities) (Cash Paid for Other Financial Expenses) (Cash Paid for Operating Expenses) (Cash Paid for Taxes) (Value of Loans Disbursed) Net (Purchase)/Sale of Trade Investments Deposits/(Withdrawals) from Clients Cash Received/(Paid) for Other Operating Assets and Liabilities Net Cash from Operating Activities Cash Flows from Investing Activities Net (Purchase)/Sale of Other Investments Net (Purchase)/Sale of Fixed Assets Net Cash from Investing Activities Cash Flows from Financing Activities Net Cash Received /(Repaid) for Short- and Long-Term Borrowings Issuance/(Repurchase) of Paid-In Capital (Dividends Paid) Net Cash from Financing Activities Net Cash from Financing Activities Net Cash Received/(Paid) for Non-Operating Activities Net Change in Cash and Due from Banks Cash and Due from Banks at the Beginning of the Period Exchange Rate Gains/(Losses) on Cash and Cash Equivalents Cash and Due from Banks at the End of Period

Dec 2003

Dec 2004

Dec 2005

Dec 2006

0 0

0 0

0 0

0 0

0 0

Monthly Data: This data overrides annual data for ratio calculations
Scroll right to enter monthly data (if available) Dec 2003 Dec 2004 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 Dec 2006 0 0 0 0 Dec 2007 0 0 0 0

Gross Loan Portfolio Net Loan Portfolio Fixed Assets Total Assets

Subsidized Loans Funding Liabilities Equity

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0

Adjustments for In-Kind Donations

Dec 2003 Personnel Estimated Actually paid Other Administrative Expenses Estimated Actually paid Dec 2004 Dec 2005 Dec 2006 Dec 2007

Adjustments for Loan Loss Allowance

Dec 2003

Dec 2004

Dec 2005

Dec 2006 Loan Loss Rate %

Dec 2007 Loan Loss Rate %

Loan Loss Rate Loan Loss Rate Loan Loss Rate Portfolio Aging Schedule % % % Current 1-30 days overdue 31-90 days overdue 91-180 days overdue 181-365 days overdue > 365 days overdue Renegotiated loans - On time Renegotiated loans- Overdue

Composition of Liabilities
As of (date): Dec 2007

Liability 1
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 2
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 3
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 4
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 5
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 6
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance

Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 7
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 8
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 9
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 10
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 11
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 12
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate

Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 13
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 14
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information

Liability 15
Creditor (specify if domestic or international) Commercial or non-commercial liability Tenor (Term) Original principal balance Balance outstanding Currency in which repayment is due Interest rate Amortization schedule Details of external guarantee backing the credit extended to the MFI, if any Other relevant information Commercial - Balance Outstanding Non-Commercial - Balance Outstanding Total 0 0 0

Actual

Table 2.1 Summary of Key Data

Dec 2003

Dec 2004 0 0 0 0 0 No data No data No data No data 0 No data No data No data 0.0% No data No data No data 50.0 0

Dec 2005 0 0 0 0 0 No data No data No data No data 0 No data No data No data 0.0% No data No data No data 50.0 0

Dec 2006 0 0 0 0 0 No data No data No data No data 0 No data No data No data 0.0% No data No data No data 50.0 0

Dec 2007 0 0 0 0 0 No data No data No data No data 0 No data No data No data 0.0% No data No data No data 50.0 0

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

Clients and Products Number of borrowers 0 Number of active loans 0 Total gross loan portfolio 0 Number of voluntary savings clients 0 Total balance of voluntary savings accounts 0 Portfolio Quality Adjusted PAR30 No data No previous yr Adjusted Write-off Ratio Adjusted Risk Coverage Ratio No data Efficiency & Productivity Average loan balance No data Average savings balance 0 No previous yr Adjusted Operating Expense Ratio No previous yr Adjusted Cost per Active Client Adjusted Average Outstanding Loan Size No data No previous yr Client Turnover Profitability No previous yr Adjusted Return on Assets (AROA) Adjusted Return on Equity (AROE) No previous yr Asset/Liability Management No previous yr Yield on Gross Portfolio Macroeconomic Data Year-end free market exchange rate (local currency/Other 50.0 currency) GNI per capita 0

Table 3.2 Staffing Summary Data

1 2 3 4 5 6 7 8 9

Dec 2003
0 0 0%

Dec 2004
0 0 0% 0.0% 0% 0 0 0 0.0%

Dec 2005
0 0 0% 0.0% 0% 0 0 0 0.0%

Dec 2006
0 0 0% 0.0% 0% 0 0 0 0.0%

Dec 2007
0 0 0% 0.0% 0% 0 0 0 0.0%

Total # staff Total # loan officers Staff turnover Staffing Efficiency Personnel expense/Loan portfolio Average Salary/GNI per capita Staffing Productivity Borrowers per Loan Officer Borrowers per staff member Clients per staff Member Personnel allocation ratio (loan officers/# of personnel)

0% 0 0 0 0.0%

Projected MBB Peer Group 0 0 0 0 0 0.0% 0.0% 0% 0 0 0.0% 0 0 0.0% 0.0% 0.0% 0.0% 48.0 0 Variance (between MFI and MBB peer group) 0 0 0% 0% 0% 0 0 0 0% Dec 2008 0 0 0 0 0

MBB Peer Group 0 0 0% 0.0% 0% 0 0 0 0.0%

Table 3.1 Current MFI Ownership Summary

Type (individual, company, bank NGO, other) Domestic or International

As of: Dec 2007 Amount of Ownership (in local currency)

Owner Name

% Ownership

1 2 3 4 5 6 7 8 9 10 11 12

As of (date): Dec 2007 Currency: Nominal Local Currency Table 4.1 Product Summary
1 2 3 4

Number of Products 0 0 0 0

Number of Active Clients 0 0 0 0

Total Balance or Value 0 0 0 0

Average Account Balance (mean) 0 0 0 0

Savings Products Loan Products Other Financial Products Other Non-Financial Products

As of: Dec 2007 Currency: Nominal Local Currency Table 4.4 Classification of Loan Portfolio Loan Size
1 2 3 4 5 6

0 -250 251 - 500 501 - 1,000 1,001 - 5000 5,001- 10,000 >10,000

Amount of % of Portfolio Portfolio 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0%

# of Loans 0 0 0 0 0 0 0

% of Loans 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% As of: Dec 2007 Currency: Nominal Local Currency

Table 4.5 Analysis of Product Lines Savings Products 1 Savings Product 1 2 Savings Product 2 3 Savings Product 3 4 Savings Product 4 5 Savings Product 5 6 Savings Product 6 7 Savings Product 7 8 Savings Product 8 9 Savings Product 9 10 Savings Product 10 11 Savings Product 11 12 Savings Product 12 13 Savings Product 13 14 Savings Product 14 15 Savings Product 15 Total Savings Products Loan Products 1 Loan Product 1 2 Loan Product 2 3 Loan Product 3 4 Loan Product 4 5 Loan Product 5 6 Loan Product 6 7 Loan Product 7 8 Loan Product 8 9 Loan Product 9 10 Loan Product 10 11 Loan Product 11 12 Loan Product 12 13 Loan Product 13 14 Loan Product 14 15 Loan Product 15 Total Loan Products Other Financial Products 1 Other Financial Product 1

Product Balance 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

% of Total Product Balance 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Number of Active Clients 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

% of Total Clients

Total Fee Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

% of Total MFI Fee Revenue

0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

2 Other Financial Product 2 3 Other Financial Product 3 4 Other Financial Product 4 5 Other Financial Product 5 Total Other Financial Products Non-Financial Products 1 Non-Financial Product 1 2 Non-Financial Product 2 3 Non-Financial Product 3 4 Non-Financial Product 4 5 Non-Financial Product 5 Total Non-Financial Products Grand Total % Loan Products % Savings Products % Other Financial Products % Other Non-Financial Products

0 0 0 0 0 0 0 0 0 0 0 0.0% 0.0% 0.0% 0.0% 0.0%

0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

0 0 0 0 0 0 0 0 0 0 0 0.0% 0.0% 0.0% 0.0% 0.0%

0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

0 0 0 0 0 0 0 0 0 0 0 0.0% 0.0% 0.0% 0.0% 0.0%

0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

nal Local Currency

Table 4.2 Savings Products Summary Savings Product 1 1 Interest Rate (%) and calculation method 2 Minimum deposit to open account 3 Fees to open account 4 Minimum deposit per transaction 5 Fees per transaction 6 Penalty for early withdrawal 7 Minimum account balance 8 Withdrawal frequency (average per period) 9 Deposit frequency (average per period) 10 Number of active individual savings accounts 11 Number of inactive individual accounts 12 Total individual account balance, end of period 13 Individual account balance as percentage of total savings balance
14 15 16 17 18 19 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

Dec 2003 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0

Dec 2004 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0

Dec 2005 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0

Dec 2006 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0

Dec 2007 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0

Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 2 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 3 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

Savings Product 4 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 5 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 6 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 7

Dec 2003 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003

Dec 2004 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004

Dec 2005 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005

Dec 2006 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006

Dec 2007 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 1

Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 8 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 9 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 10 Interest Rate (%) and calculation method

0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003 0.0%

0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004 0.0%

0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005 0.0%

0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006 0.0%

0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007 0.0%

2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 1 2

Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 11 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 12 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 13 Interest Rate (%) and calculation method Minimum deposit to open account

0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003 0.0% 0

0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004 0.0% 0

0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005 0.0% 0

0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006 0.0% 0

0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007 0.0% 0

3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 14 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean) Savings Product 15 Interest Rate (%) and calculation method Minimum deposit to open account Fees to open account Minimum deposit per transaction Fees per transaction Penalty for early withdrawal Minimum account balance Withdrawal frequency (average per period) Deposit frequency (average per period) Number of active individual savings accounts Number of inactive individual accounts Total individual account balance, end of period Individual account balance as percentage of total savings balance Average individual account balance (mean) Number of active institutional savings accounts Number of inactive institutional accounts Total institutional account balance, end of period Institutional account balance as percentage of total savings balance Average institutional account balance (mean)

0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2003 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0

0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2004 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0

0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2005 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0

0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2006 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0

0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0 Dec 2007 0.0% 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0 0 0.0% 0

Table 4.3 Loan Products Summary

Loan Product 1 Dec 2003 Dec 2004 Dec 2005 Dec 2006 Dec 2007

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 2 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 3 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees

0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0% Dec 2004

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 Dec 2004

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0% 0

1 2 3 4 5 6

7 8 9 10 11 12 13 14 15 16

Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 4 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 5 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client

0 0% 0 0 0 0 0 0 0.0%

0 0% 0 0 0 0 0 0 0.0%

0 0% 0 0 0 0 0 0 0.0%

0 0% 0 0 0 0 0 0 0.0%

0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0% Dec 2004

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 0 0% 0 0 0 0 Dec 2004

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0 0 0% 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0 0 0% 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0 0 0% 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0% 0 0 0 0

1 2 3 4 5 6 7 8 9 10 11 12

13 14 15 16

Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 6 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 7 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated)

0 0 0.0%

0 0 0.0%

0 0 0.0%

0 0 0.0%

0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0% Dec 2004

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0% Dec 2004

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 8 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 9 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time

0 0 0 0 0 0 0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0% Dec 2004

0 0 0 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0% Dec 2004

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

0 0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 10 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 11 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 12

0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0% Dec 2004

0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0% Dec 2004

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2003 Dec 2004

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2005

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2006

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2007

0 0 0 0 0 0 0 0 0 0 0 0

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 13 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 14 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees

0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0% Dec 2004

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 Dec 2004

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0% 0

1 2 3 4 5 6

7 8 9 10 11 12 13 14 15 16

Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days Loan Product 15 Initial amount Increment / Maximum Term Repayment frequency Interest rate Commissions and fees Guarantees and collateral Theoretical interest yield (APR) Savings requirement (if any) Number of active loans (clients), end of period Average principle balance per client Median principal balance per client Average principal balance outstanding, over period Total principal balance outstanding, end of period Percentage of total loan balance Total outstanding balance associated with loans that are: On time (and never renegotiated) Overdue 1 to 30 days (and never renegotiated) Overdue 31 to 90 days (and never renegotiated) Overdue 91 to 180 days (and never renegotiated) Overdue 181 to 365 days (and never renegotiated) Overdue over 365 days (and never renegotiated) Renegotiated loans - On time Renegotiated loans - overdue 1 to 30 days Renegotiated loans - overdue 31 to 90 days Renegotiated loans - overdue 91 to 180 days Renegotiated loans - overdue 181-365 days Renegotiated loans - overdue over 365 days

0 0% 0 0 0 0 0 0 0.0%

0 0% 0 0 0 0 0 0 0.0%

0 0% 0 0 0 0 0 0 0.0%

0 0% 0 0 0 0 0 0 0.0%

0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2003 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0% Dec 2004

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2005 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2006 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 Dec 2007 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0% 0 0 0% 0 0 0 0 0 0 0.0%

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

Table 5.1 Outreach Summary

1 2 3 4 5 6 7 8a 8b 9 10

Dec 2003 Dec 2004 % Change Dec 2005 % Change 0 0 0 0 0 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0 0 0 0 0 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0 0 0 0 0 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Population of region(s) covered Market size (if available) Breadth of Outreach Total number of active clients (end of period) Total number of loan clients Total number of savings clients (voluntary) Percentage of clients who are women Percentage of clients located in rural areas Depth of Outreach Percentage of recent clients living below the national poverty line Percentage of clients living on less than PPP adjusted US$1 per day Mean loan balance as % of national poverty line or GNI Mean voluntary savings balance as % of national poverty line or GNI

Financial Statements Table 7.1 Income Statement

Financial Revenue Financial Revenue from Loan Portfolio Interest on Loan Portfolio Fees and Commissions on Loan Portfolio Financial Revenue from Investments Other Operating Revenue Financial Expense Financial Expense on Funding Liabilities Interest and Fee Expense on Deposits Interest and Fee Expense on Borrowings Other Financial Expense Net Financial Income Loan Impairment Provision for Loan Impairment Value of Loans Recovered Operating Expense Personnel Expense Administrative Expense Depreciation Expense Other Administrative Expense Net Operating Income Net Non-Operating Income/(Expense) Non-Operating Revenue Non-Operating Expense Net Income (Before Taxes and Donations) Taxes Net Income (After Taxes and Before Donations) Donations

Dec 2003 Dec 2003 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2004 Dec 2004 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2005 Dec 2005 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2006 Dec 2006 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Donations for Loan Capital Donations for Operating Expense Net Income (After Taxes and Donations)

0 0 0 Dec 2003 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Dec 2004

0 0 0 Dec 2005 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 Dec 2006 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0

Table 7.2 Balance Sheet

Assets Cash and Due from Banks Trade Investments Net Loan Portfolio Gross Loan Portfolio Allowance for Impairment Interest Receivable on Loan Portfolio Accounts Receivable and Other Assets Other Investments Net Fixed Assets Fixed Assets Accumulated Depreciation and Amortization Total Assets Liabilities Demand Deposits: Voluntary savings Demand Deposits: Forced savings Short-Term Time Deposits Short-Term Borrowings Interest Payable on Funding Liabilities Accounts Payable and Other Short-Term Liabilities Long-Term Time Deposits Long-Term Borrowings Other Long-Term Liabilities Total Liabilities Equity Paid-In Capital Donated Equity Prior Years Current Year Retained Earnings Prior Years Current Year Reserves

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Other Equity Accounts Adjustments to Equity Total Equity

0 0 0
OK OK

0 0 0
OK

0 0 0
OK

0 0 0 Dec 2006

Does Balance Sheet balance? Table 7.3 Cash Flow Statement (Direct)
Cash Flows from Operating Activities Cash Received from Interest, Fees, and Commissions on Loan Portfolio Cash Received from Interest on Investments Cash Received as Other Operating Revenue Value of Loans Repaid (Cash Paid for Financial Expenses on Funding Liabilities) (Cash Paid for Other Financial Expenses) (Cash Paid for Operating Expenses) (Cash Paid for Taxes) (Value of Loans Disbursed) Net (Purchase)/Sale of Trade Investments Deposits/(Withdrawals) from Clients Cash Received/(Paid) for Other Operating Assets and Liabilities Net Cash from Operating Activities Cash Flows from Investing Activities Net (Purchase)/Sale of Other Investments Net (Purchase)/Sale of Fixed Assets Net Cash from Investing Activities Cash Flows from Financing Activities Net Cash Received /(Repaid) for Short- and Long-Term Borrowings Issuance/(Repurchase) of Paid-In Capital (Dividends Paid) Donated Equity Net Cash from Financing Activities Net Cash Received/(Paid) for Non-Operating Activities Net Change in Cash and Due from Banks Cash and Due from Banks at the Beginning of the Period Exchange Rate Gains/(Losses) on Cash and Cash Equivalents Cash and Due from Banks at the End of Period

Dec 2003 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2004 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2005 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Table 7.3 Cash Flow Statement (Indirect)

Cash Flows from Operating Activities Net Income (Before Taxes and Donations) Depreciation and Amortization Loan Impairment Cash Paid for Taxes Value of Loans Repaid Value of Loans Disbursed (Increase)/Decrease in Trade Investments Increase/(Decrease) in Deposits (Increase)/Decrease in Receivables and Other Assets Increase/(Decrease) in Payables and Other Liabilities Net Cash from Operating Activities Cash Flows from Investing Activities (Increase)/Decrease in Other Investments (Increase)/Decrease in Book Value of Gross Fixed Assets Net Cash from Investing Activities Cash Flows from Financing Activities Increase/(Decrease) in Short- and Long-term Borrowings Increase/(Decrease) in Paid-In Capital (Dividends Paid) Donated Equity Net Cash from Financing Activities Net Cash Received/(Paid) for Non-Operating Activities Net Change in Cash and Due from Banks Cash and Due from Banks at the Beginning of the Period Exchange Rate Gains/(Losses) on Cash and Cash Equivalents Cash and Due from Banks at the End of Period

Dec 2003 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2004 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2005 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2006 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2007 Dec 2007 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 Dec 2007 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0
OK

Dec 2007 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2007 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Table 7.6 Macroeconomic Data

1 2 3 4 5 6 7 8 9 10

Inflation rate GDP Deflator Market Rate for Borrowings (IMF statistics) 90-day certificate of deposit rate Prime rate paid by commercial bank borrowers Marginal commercial rate available to the MFI Per capita GDP Per capita GNI Exchange rate (Local currency/Other currency) National Poverty Line

Dec 2003 0.0% 5.0% 0.0% 0.0% 0.0% 0.0% 0.0 0.0 50.0 0.0

Dec 2004 0.0% 5.0% 0.0% 0.0% 0.0% 0.0% 0.0 0.0 50.0 0.0

Dec 2005 0.0% 5.0% 0.0% 0.0% 0.0% 0.0% 0.0 0.0 50.0 0.0

Dec 2006 0.0% 5.0% 0.0% 0.0% 0.0% 0.0% 0.0 0.0 50.0 0.0

Dec 2007 0.0% 5.0% 0.0% 0.0% 0.0% 0.0% 0.0 0.0 50.0 0.0

Table 7.9 Analytical Adjustments

1 2 3 3a 3b 4 4a 4b 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21

Dec 2003 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2004 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2005 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2006 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dec 2007 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Subsidized Cost of Funds Adjustment In-kind subsidy adjustment Inflation Adjustment (3a minus 3b) Equity accounts portion Net fixed assets portion Write-off Adjustment Portfolio at risk > 180 days Number of loans > 180 days Adjustment for Allowance for Impairment BS and IS line items Unadjusted financial expense Unadjusted net impairment expense Unadjusted operating expense Unadjusted net operating income Unadjusted assets Unadjusted equity Unadjusted gross loan portfolio Unadjusted number of loans outstanding Adjusted BS and IS line items Adjusted financial expense Adjusted net impairment expense Adjusted operating expense Adjusted net operating income Adjusted assets Adjusted equity Adjusted gross loan portfolio Adjusted number of loans outstanding

Table 7.4 Composition of Funding Liabilities

Liability 1 1 Creditor (specify if domestic or international) 2 Commercial or non-commercial liability 3 Tenor (Term) 4 Original principal balance 5 Balance outstanding 6 Currency in which repayment is due 7 Interest rate 8 Amortization schedule 9 Details of external guarantee backing the credit extended to the MFI, if any Other relevant information Liability 2 1 Creditor (specify if domestic or international) 2 Commercial or non-commercial liability 3 Tenor (Term) 4 Original principal balance 5 Balance outstanding 6 Currency in which repayment is due 7 Interest rate 8 Amortization schedule 9 Details of external guarantee backing the credit extended to the MFI, if any
10 10

As of:Dec 2007

Other relevant information

Table 7.5 External Grants and Subsidies

Source, Date, Terms Grants
1 2 3 4 5 6 7 8 9 10

Amount

Currency:

As of: Funding Status

Significant In-kind Subsidies

1 2 3 4 5 6 7 8 9 10

Dec 2007 Funding Status

Table 7.8 Comparison of Actual and Theoretical Yields

Loan Product 1 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 2 Loan Product 2 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 3 Loan Product 3 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 4 Loan Product 4 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 5 Loan Product 5 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 6 Loan Product 6 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 7 Loan Product 7 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 8 Loan Product 8 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 9 Loan Product 9 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 10 Loan Product 10 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 11 Loan Product 11 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 12 Loan Product 12
1

Dec 2003 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -

Dec 2004 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -

Dec 2005 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -

1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 13 Loan Product 13 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 14 Loan Product 14 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 15 Loan Product 15 1. Theoretical interest yield (APR) 2. Monthly average of outstanding balance for the year (opening balance plus 12 month-end balances divided by 13). 3. Line 1 times line 2 4. Weighted theoretical interest yield (sum of line 3 for all loan products) 5. Actual yield on portfolio 6. Yield gap ratio (line 5 as a percentage of line 4)

0.0% 0.0% 0.0% 0.0% 0.0%

0.0% 0.0% 0.0% 0.0% 0.0%

0.0% 0.0% 0.0% 0.0% 0.0%

Dec 2006 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -

Dec 2007 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -

0.0% 0.0% 0.0% 0.0% 0.0%

0.0% 0.0% 0.0% 0.0% 0.0%

Loan Yield Calculator

* Enter into white cells, depending on terms of the loan being analyzed * For declining-balance calculations, principal and interest for each payment can be calculated using a financial calculator, the PPMT or IPMT functions in Excel, or the Loan Manager template in Excel's "New" dialogue box. * Model assumes client can withdraw savings without cost when loan is repaid. This assumption can be overridden. * All movements or balances are assumed to be as of the end of the period for which they are shown. Periods/Yr Periods in loan 12 4

Introduction Getting Started Input Data About Appraise

Yield (interest + fees) on Book Portfolio APR cost to client Average Outstanding Principal on Books

72.00% 91.99% 625.00

ACTUAL CASH FLOW

End of Period Principal (to) from client 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 120.00 (1,000.00) 250.00 250.00 250.00 250.00 Interest from client 120.00 50.00 50.00 50.00 50.00 Savings from client Savings balance paid to client (203.00) Net cash flow (850.00) 300.00 300.00 300.00 97.00 Principal balance on books 1,000.00 750.00 500.00 250.00 150.00 Fee income from client, when recognized 30.00

ACCOUNTING TREATMENT
Interest income from client, when recognized Savings principal balance before payment to client 30.00 30.00 30.00 30.00 50.00 100.00 150.00 200.00 0.50 1.00 1.50 50.00 100.50 151.50 203.00 Savings interest expense Savings total balance before payment to client -

Fee from client

30.00

Table 7.7 Performance Ratios and Peer Group Benchmarking Dec 2003 R1 R1 R2 R2 R3 R3 R4 R5 R6 R6 R7 R7 R8 R9 R9 R10 R10 R11 R11 R12 R12 R13 R13 R14 R15 R16 R17 R17 R18 Profitability & Sustainability Operational Self-sufficiency (OSS) Financial self-sufficiency (FSS) Return on Assets (ROA) Adjusted Return on Assets (AROA) Return on Equity (ROE) Adjusted Return on Equity (AROE) Asset/Liability Management Yield on Gross Portfolio Portfolio to Assets Cost of Funds Ratio Adjusted Cost of Funds Debt to Equity Adjusted Debt to Equity Liquid Ratio Portfolio Quality Portfolio-at-risk Ratio (PAR) Adjusted PAR Ratio Write-off Ratio Adjusted Write-off Ratio Risk Coverage Ratio Adjusted Risk Coverage Ratio Efficiency & Productivity Operating Expense Ratio Adjusted Operating Expense Ratio Cost per Active Client Adjusted Cost per Active Client Borrowers per Loan Officer Active Clients Per Staff Member Client Turnover Average Outstanding Loan Size Adjusted Average Outstanding Loan Size Average Loan Disbursed Other Ratios Provision Expense Ratio Cost per Borrower Adjusted Cost per Borrower Personnel Productivity Savers/Total staff Savings/Total staff Average savings balance Non-earning liquid assets as a % of Total Assets Total liquidity reserves Quick ratio MBB Commercial Funding Liabilities ratio Funding Expense Ratio MBB Financial Expense Ratio MBB Deposits to Total Assets No data No data
No previous yr No previous yr No previous yr No previous yr No previous yr

Dec 2004 No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data 0.0% No data No data No data 0.0% No data No data No data No data No data No data 0.0% No data No data

Dec 2005 No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data 0.0% No data No data No data 0.0% No data No data No data No data No data No data 0.0% No data No data

Dec 2006 No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data 0.0% No data No data No data 0.0% No data No data No data No data No data No data 0.0% No data No data

Dec 2007 No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data No data 0.0% No data No data No data 0.0% No data No data No data No data No data No data 0.0% No data No data

No data
No previous yr No previous yr

No data No data No data No data No data

No previous yr No previous yr

No data No data
No previous yr No previous yr No previous yr No previous yr

No data No data
No previous yr

No data No data No data

No previous yr No previous yr No previous yr

No data No data No data No data No data

No previous yr No previous yr No previous yr

No data

MBB Peer Group 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Mature Branch 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Table 8.1 Projected Performance 1 Total Number of clients 2 Total gross loan portfolio 3 Number of active loans Total balance of voluntary savings 4 accounts 5 Number of voluntary savings clients 6 Number of staff 7 Number of branch offices 8 Return on Assets (ROA) 9 Return on Equity (ROE)

Dec 2008 0 0 0 0 0 0.0% 0.0%

Dec 2009 0 0 0 0 0 0.0% 0.0%

Dec 2010 0 0 0 0 0 0.0% 0.0%

Table 7.10 Asset/Liability Maturity Mismatch Table

ASSETS Cash and Due from Banks Trade Investments Net Loan Portfolio (top line only) Interest Receivable on Loan Portfolio + Accounts Receivable and Other Assets Other Investments Net Fixed Assets (top line only) Total Assets LIABILITIES Demand Deposits: Voluntary savings Demand Deposits: Forced savings Short-Term Time Deposits Short-Term Borrowings Interest Payable on Funding Liabilities + Accounts Payable and Other Short-Term Liabilities Long-Term Time Deposits Long-Term Borrowings Other Long-Term Liabilities Total Liabilities Total Equity Total Liabilities & Equity Asset-Liability Gap As % of equity Cumulative Gap Cumulative Gap as % of Equity

< 1 month
0 0 0 0 0 0

1-3 months
0 0 0 0 0 0

>3-6 months
0 0 0 0 0 0

>6-12 months
0 0 0 0 0 0

>1-2 years
0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0 0 0 0 0.0% 0 0.0%

0 0 0 0 0.0% 0 0.0%

0 0 0 0 0.0% 0 0.0%

0 0 0 0 0.0% 0 0.0%

0 0 0 0 0.0% 0 0.0%

Table 7.11 Foreign Currency Mismatch Table

ASSETS Cash and Due from Banks Trade Investments Net Loan Portfolio (top line only) Interest Receivable on Loan Portfolio + Accounts Receivable and Other Assets Other Investments Net Fixed Assets (top line only) Total Assets LIABILITIES Demand Deposits: Voluntary savings Demand Deposits: Forced savings Short-Term Time Deposits Short-Term Borrowings Interest Payable on Funding Liabilities + Accounts Payable and Other Short-Term Liabilities Long-Term Time Deposits Long-Term Borrowings Other Long-Term Liabilities Total Liabilities Total Equity Total Liabilities & Equity Net Open Position (A-TL and Equity) Net Open Position as % of Equity

US $

EURO

LOCAL CURRENCY 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

As of: Dec 2007 OTHERS Total

0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0.0% -

0 0 0 0 0 0.0%

0 0 0 0 0 0.0%

0 0 0 0 0 0.0%

0 0 0 0 0 0 0.0%

Assets/Liabilities

0.0%

0.0%

0.0%

0.0%

0.0%

As of: Dec 2007

Table 7.12 Interest Rate Sensitivity Mismatch Table

ASSETS Cash and Due from Banks Trade Investments Net Loan Portfolio (top line only) Interest Receivable on Loan Portfolio + Accounts Receivable and Other Assets Other Investments Net Fixed Assets (top line only) Total Assets LIABILITIES Demand Deposits: Voluntary savings Demand Deposits: Forced savings Short-Term Time Deposits Short-Term Borrowings Interest Payable on Funding Liabilities + Accounts Payable and Other Short-Term Liabilities Long-Term Time Deposits Long-Term Borrowings Other Long-Term Liabilities Total Liabilities Total Equity Total Liabilities & Equity Asset-Liability Gap As % of equity

< 1 month

1-3 months

>3-6 months

>6-12 months
0 0 0 0 0 0 0 0 0 0 0 0

>1-2 years

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0 0 0 0 0.0%

0 0 0 0 0.0%

0 0 0 0 0.0%

0 0 0 0 0.0%

0 0 0 0 0.0%

>2-3 years
0 0 0 0 0 0

>3-4 years
0 0 0 0 0 0

>4-5 years
0 0 0 0 0 0

As of: Dec 2007 No Maturity > 5 years Total or Unknown

0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0 0 0 0 0.0% 0 0.0%

0 0 0 0 0.0% 0 0.0%

0 0 0 0 0.0% 0 0.0%

0 0 0 0 0.0% 0 0.0%

0 0 0 0 0.0% 0 0.0%

0 0 0 0 0 0 0 0.0% 0 0.0%

>2-3 years

>3-4 years

>4-5 years

> 5 years

Non-interest Bearing
0 0 0 0 0 0

Total

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0
0 0 0 0 0 0 0 0

0 0 0 0 0.0%

0 0 0 0 0.0%

0 0 0 0 0.0%

0 0 0 0 0.0%

0 0 0 0 0.0%

0 0 0 0 0 0 0 0.0%

Graph Calculations

Graph 1
1 Portfolio Size Gross Loan Portfolio Number of borrowers 1 1 1 1 1 1 0 0 0 0 0 Value Axis Title

Portfolio Size
1 1 1 1 1 1 0 0 0 0 0

Thousands

2003 Gross Loan2004 Portfolio

2005

2006 2007 Number of borrowers

2003 0 0 Thousands

2004 0 0

2005 0 0

About Appraise
Introduction Getting Started Input Data About Appraise

Type Version Version Date Excel version in use File Name

Unlicensed shareware Version 1 14-03-07 350m1(Build:2) #VALUE!

Appraise has been designed for use with Excel 2000, 2002, and 2003 (release 9, 10, and 11)

Introduction Getting Started Input Data About Appraise