Standarde de raportare - CAR Parîngul

ANNEX I: Externally validated and self-reported information

Clause in the Code Chapter IV – Reporting Standards	1. Externally validated provider data	2. Self-reported provider data (non validated)	3. Self-reported provider data (non validated)	4. Self-reported provider data (non validated)
Clause in the Code Chapter IV – Reporting Standards	Year: 2022	Year: 2023	Year:	Year:
4.2.1. Mission²	Oferirea de servicii financiare de creditare si economisire membrilor nostri din judetele Hunedoara, Timis, Arad şi Alba, pentru a-si satisface nevoile financiare personale si de dezvoltare.	Oferirea de servicii financiare de creditare si economisire membrilor nostri din judetele Hunedoara, Timis, Arad şi Alba, pentru a-si satisface nevoile financiare personale si de dezvoltare.
4.2.2. Average disbursed loan size	8000	7000
4.2.3. Median loan size as % of gross national income	NA	NA
4.2.4³	49.10	49.44
4.2.5. Percentage of rural customers %	18.42	16.89
4.2.6. Percentage of customers below the poverty line	NA	NA
4.2.7. Percentage of customers graduating to mainstream finance	NA	NA
4.2.8. Percentage of minority customers	NA	NA
4.2.9. Percentage of start-up businesses funded	NA	NA
4.2.10. Percentage of customers on welfare benefits	NA	NA

4.4.1. Number of active borrowers	3403	3398
4.4.2. a) Total number of loans disbursed this year	3010	2504
4.4.2. b) Total value of loans disbursed this year	36283680	34275790
4.4.2. c) Total number of loans outstanding	4267	4374
4.4.3. a) Value of current loan portfolio	43640070.83	48710917.69
4.4.3. b) Value of gross loan portfolio	43640070.83	48710917.69
4.4.3. c) Value of net loan portfolio	43640070.83	48710917.69
4.4.4. a) Portfolio at Risk – PAR30	11263015.55 (25.80%)	10892800.19 (22.36%)
4.4.4. b) Portfolio at Risk – PAR90	6731084.47 (15.42%)	5974514.20 (12.26%)
4.4.5. Proportion related-party lending	NR. 0.36% VAL. 3.54%	NR. 0.43% VAL. 5.89%
4.4.6. a) Total value of assets	59176330	69383900
4.4.6. b) Total value of liabilities	59176330	69383900
4.4.7. Operational Sustainability Ratio	111.96	106.01
4.4.8. a) Subsidies received (amount)	NA	NA
4.4.8. b) Number of active volunteers	NA	NA
4.4.9. Cost Per Loan	1632.93	2262.99
4.4.10. a) Number of loan officers	14	14
4.4.10. b) Number of total personnel	16	16

4.5. Total Number of complaints received in the reported year

2 Clauses in red are priority clauses.

3 Clauses 4.2.4 – 4.2.10 are disclosed if relevant for target market and mission.

Standarde de raportare 31.12.2021:

NUMAR MEMBRI: 6653

INDICATORUL SUSTENABILITATII OPERATIONALE: 114,50

INDICATORUL SUSTENABILITATII FINANCIARE: 114,50

NUMAR RECLAMATII: 0

SUBVENTII PRIMITE: 0

PORTOFOLIU LA RISC (PAR 30 ZILE): 26.08 %

PORTOFOLIU LA RISC (PAR 90 ZILE): 16.54 %

Standarde de raportare 31.12.2020:

NUMAR MEMBRI: 6385

INDICATORUL SUSTENABILITATII OPERATIONALE: 118,60

INDICATORUL SUSTENABILITATII FINANCIARE: 118,60

NUMAR RECLAMATII: 0

SUBVENTII PRIMITE: 0

PORTOFOLIU LA RISC (PAR 30 ZILE): 28.08 %

PORTOFOLIU LA RISC (PAR 90 ZILE): 17.43 %