INSTITUTIONAL PROFILE (WOMAN WORLD FOUNDATION). BACKGROUND We are a foundation without spirit of gain, affiliated to Women´s World Banking and the National.

INSTITUTIONAL PROFILEINSTITUTIONAL PROFILE

(WOMAN WORLD FOUNDATION)

BACKGROUNDBACKGROUND• We are a foundation without spirit of gain, affiliated

to Women´s World Banking and the National Plan of Development for the Micro-business.

• We improve the economic conditions and the life´s quality of the sectors less favored, through the opportune and fast access credit granting, with most minimum requirements, creating culture of payment, culture of commitment and culture of progress.

• During our 19 years of experience, we have offered credits to persons of strata 1, 2 and 3, with a participation of the industrious women of scarce resources of the two thirds of the granted credits to bolth genres.

BACKGROUNDBACKGROUND• Our main headquarters is found in Popayán and we count Our main headquarters is found in Popayán and we count

on 11 branches in different cities of the Colombian on 11 branches in different cities of the Colombian territory. territory. We are in Popayán (2), Santander de Quilichao, We are in Popayán (2), Santander de Quilichao, Pasto: (2), Ibagué, Neiva, Barranquilla, Soledad (Atlantic), Pasto: (2), Ibagué, Neiva, Barranquilla, Soledad (Atlantic), Cartagena, Villavicencio.Cartagena, Villavicencio.

INSTITUTIONAL MISSIONINSTITUTIONAL MISSIONIn the In the Woman World FoundationWoman World Foundation we improve the life´s we improve the life´s quality of the industrious woman of scarce resources and quality of the industrious woman of scarce resources and her family, by means of the opportune and easy access to her family, by means of the opportune and easy access to credit and other services. The activities develop nationally credit and other services. The activities develop nationally with personalized technology, seeking generation of with personalized technology, seeking generation of employment and increasing of assets and incomes for the employment and increasing of assets and incomes for the clients and for the foundation, the growth and development clients and for the foundation, the growth and development of its human talent and its soundness and continuance in of its human talent and its soundness and continuance in the time. the time.

OUR VISION (YEAR OUR VISION (YEAR 2.010)2.010)

We will be a financial organization leader We will be a financial organization leader in the micro-managerial and social field in the micro-managerial and social field of global character with products and of global character with products and

novel services that fill the needs of our novel services that fill the needs of our clients.clients.

OUR VALUESOUR VALUESHonesty, Loyalty, Love, Justice and Honesty, Loyalty, Love, Justice and

Outcome.Outcome.

OUR PRODUCTSOUR PRODUCTS

• Micro-bussines Credit.

• Preferential credit.

• Educational credit

• Credit for Restructuring of Dwelling.

• Credit for Maintenance of Public Transport.

• Credit on Golden Jewels.

• Rural credit.

COMPLEMENTARY COMPLEMENTARY SERVICESSERVICES

The Program of Commercial Links, in The Program of Commercial Links, in association with other institutions, association with other institutions, fortifies the marketing by means of fortifies the marketing by means of training, advising, participation in training, advising, participation in fairs, business´ rounds and fairs, business´ rounds and technological days. technological days.

RECOGNITIONSRECOGNITIONS

• By our achievements we have received the By our achievements we have received the following commendations: following commendations:

Mention of Recognition Carlos Lleras Restrepo to Mention of Recognition Carlos Lleras Restrepo to the better financial intermediary for year NGO the better financial intermediary for year NGO modality Micro-businesses 1999. modality Micro-businesses 1999.

Reward to the Excellence in MFI offered by the Interamerican Bank of Development IDB year 2000.

Recognition to the Business Merit of “Proyección Recognition to the Business Merit of “Proyección del Cauca” – News Papers and T.V. Year 2001del Cauca” – News Papers and T.V. Year 2001

Reward Foundation Ford 2.004, to the Innovation Reward Foundation Ford 2.004, to the Innovation in Rural Creditin Rural Credit..

SOCIAL BALANCESOCIAL BALANCE• In the last 5 years, we have offered 227.536 credits,

that have contributed to improvement of the life conditions of the independent workers of the informal sector of the economy, preferentially women.

• We have fortified the auto-employment of 77000 micro-emtrepeneurs, that have enlarged their incomes, increased the assets of their micro-businesses and consequently have improved its standard of living. On the other hand, it is estimated that other 40.000 persons have been benefited by means of the indirect employment.

• We have offered credit to persons that traditionally have had no access to the formal banking.

NUMBERS AS MARCH 31, NUMBERS AS MARCH 31, 20042004

COPCOP USUS

Number of Active Number of Active BorrowersBorrowers 76,95976,959 76,95976,959

Gross Loan PortfolioGross Loan Portfolio57,170,586,057,170,586,0

3232 21.346.96421.346.964

Average Loan AmountAverage Loan Amount   1.003.1631.003.163 374.6374.6

Arrears rateArrears rate> 1 > 1 dayday 2.84%2.84% 2.84%2.84%

Portfolio in RiskPortfolio in Risk > 30 > 30 daysdays 0.95%0.95% 0.95%0.95%

BranchesBranches

1111 en 7 en 7 DepartamentDepartament

osos 1111 inin 7 7 StatesStates

StaffStaff 158158 158158

Efficiency and Productivity IndicatorsEfficiency and Productivity Indicators

0%

5%

10%

15%

20%

25%

30%

35%

% 32% 24% 14% 13% 12%

1999 2000 2001 2002 2003

Total Cost/Loan Portfolio

Borrowers per Staff Member

Reserves/ average portfolio and financial cost/ average portfolio

Average Time between Credit Request and Resolution

0%

1%

2%

3%

4%

5%6%

7%

8%

9%

1999 2001 2003

Reserves

FinancialCost

0

200

400

600

800

1000

% 647 746 809 823 810

1999 2000 2001 2002 2003 0

1

1

2

2

3

3

4

4

% 4 3 3 2 2

1999 2000 2001 2002 2003

Loans PortfolioLoans Portfolio

Current Loans

Loans Granted

Total Loans Disbursed (US)

Current Loan Portfolio (US)

0

20000

40000

60000

80000

100000

120000

1999 2002

N. GrantsLoans

N.CurrentsLoans

0

5.000.000

10.000.000

15.000.000

20.000.000

25.000.000

30.000.000

35.000.000

1999 2001 2003

Total LoansDisbursedCurret LoanPortfolio

BALANCE BALANCE SHEETSHEET (US(US$$))

0

5.000.000

10.000.000

15.000.000

20.000.000

25.000.000

1999 2000 2001 2002 2003

AssetsLiabilitiesEquity