1. Development of Credife operations 1998: Market research Mayo 1999: CREDIFE is legally established 2003: Break even point is reached 2009: Communal Banking is incorporated into BP Microfinance 2012: BP Microfinance management is unified

2. Delivery of integral financial services Delivery of funds Business development Improvement of their quality Of life Acknowledge operation, technology and support costs CREDIFE BUSINESS MODEL 2

3. Phases of growth During the last 3 years, the number of customers have grown an average of 20%. In 2009, their average loan amount start reducing due to a increased growth of customers at the base of the countrys social-economic pyramid. Number of clientsAverage loan amount

4. Structure of the Loan Portfolio and Purpose of the Credit operation Trading and Working Capital variables show the highest figures regarding usage of microfinance funding. Purchase of commercial facilities Refinancing Housing Improvement Constructtion and Remodelling Consumption Purchase of machinery and equipment Working Capital