Asdrúbal Zamora National Executive of Expats

azamora@coopenae.fi.cr

Relevant figures

i. Total assets June 2016 : $1,229 million ii. More than 100,916 members, 659 employees iii. 4 more profitable private financial institution in Costa Rica iv. Largest credit union in Costa Rica and Central America (equity) v. 3 largest credit union in Latin America vi. Regulated by C.R. Government like any other C.R. Bank vii.Audited by KPMG Peat Marwick (Dec. 2016) a well-known

international auditing corp. viii.Rated by Fitch Ratings : AA- (long term) and F1+ (short term) ix. Target sector: personal loans to government employees (monthly

payments deducted directly from their paychecks) x. Credit default rate : 0.88% June 2016 (awesome) xi. Tax exempt in C. R. (Certificates of Deposit : CD´s) xii.Higher interest rates than public and private banks for CD´s

Members Base Growth

Certificates of Deposit Portfolio Millions of colones

times times times

times times times

Credit Default Rate June 2016

Banco B.C.R., Banco Nacional

Banco Popular, Banco Banhvi

Credit default rate

Asdrúbal Zamora National Executive of Expats

azamora@coopenae.fi.cr