AccessBank | MFIs in Azerbaijan

AccessBank4

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Institutional Characteristics

Institutional Characteristics
MFI name	AccessBank	AccessBank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Assets	—	488,476,949
OfficesOffices Number, including head office	30	31
+ PersonnelPersonnel Total number of staff members	1,337	1,365
+ Gender
Female	503	—

Financing Structure

Financing Structure
MFI name	AccessBank	AccessBank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	—	22.93%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	47.30%	—
Deposits to total assetsDeposits to total assets Deposits / Total Assets	—	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	—	81.66%

Outreach Indicators

Outreach Indicators
MFI name	AccessBank	AccessBank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
As of date	2011-12-31	2012-03-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	117,817	121,023
+ Products (credit)
+ Retail loans	—	—
Microenterprise	—	82,026
+ Relationship
External customers	117,291	—
Management and staff	526	—
+ Gender
Male	83,529	—
Female	34,078	33,886
Legal entity	210	—
+ Location
Urban	55,318	—
Rural	62,499	—
Percent of female borrowers	28.92%	28.00%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	119,501	—
+ Delinquency
Less than one month	118,532	—
+ One month or more	—	—
From one to three months	130	—
+ More than three months	—	—
From three to six months	109	—
+ More than six months	—	—
From six to twelve months	283	—
One year or more	217	—
Renegotiated loans	230	—
+ Location
Urban	56,298	—
Rural	63,203	—
+ Products (credit)
Loans to corporations	2,604	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	116,897	—
+ Household financing	36,918	—
Consumption	36,232	—
Education	0	—
Mortgage housing	0	—
Household other	686	—
Microenterprise	79,979	—
+ Relationship
External customers	118,815	—
Management and staff	686	—
+ Methodology
Individual	119,501	—
Solidarity group	0	—
Village banking s h g	0	—
+ Gender
Male	84,716	—
Female	34,562	—
Legal entity	223	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	376,398,797	398,885,948
+ Delinquency
Less than one month	370,631,456	—
+ One month or more	2,866,190	3,629,862
From one to three months	291,253	—
+ More than three months	2,574,937	—
From three to six months	410,570	—
+ More than six months	2,164,367	—
From six to twelve months	1,188,747	—
One year or more	975,620	—
Renegotiated loans	2,901,152	—
+ Location
Urban	230,921,553	—
Rural	145,477,244	—
+ Products (credit)
Loans to corporations	154,068,422	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	222,330,376	—
+ Household financing	39,588,810	—
Consumption	31,598,986	—
Education	0	—
Mortgage housing	0	—
Household other	7,989,824	—
Microenterprise	182,741,566	189,073,395
+ Relationship
External customers	368,408,973	—
Management and staff	7,989,824	—
+ Methodology
Individual	376,398,797	—
Solidarity group	0	—
Village banking s h g	0	—
+ Gender
Male	286,904,100	—
Female	60,760,346	—
Legal entity	28,734,352	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	3,195	3,296
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	—	—
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	3,150	—
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	—	—
+ Number of depositorsNumber of depositors Number of depositors with any type of deposit account	110,364	—
+ Products (deposits)
Deposits from corporations	940	—
Deposits from financial institutions	13	—
Deposits from governments	5	—
+ Retail deposits	109,406	—
+ Voluntary deposits	79,522	—
Demand deposits	66,455	—
Time deposits	13,067	—
Compulsory deposits	29,884	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	220,594	—
+ Products (deposits)
Deposits from corporations	1,911	—
Deposits from financial institutions	21	—
Deposits from governments	6	—
+ Retail deposits	218,656	—
+ Voluntary deposits	188,124	—
Demand deposits	173,442	—
Time deposits	14,682	—
Compulsory deposits	30,532	—
+ DepositsDeposits Total value of all deposit accounts	178,018,303	—
+ Products (deposits)
Deposits from corporations	38,992,985	—
Deposits from financial institutions	1,916,471	—
Deposits from governments	7,249	—
+ Retail deposits	137,101,597	—
+ Voluntary deposits	121,680,433	—
Demand deposits	27,620,919	—
Time deposits	94,059,514	—
Compulsory deposits	15,421,165	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	1,613	—
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita Average Deposit Balance per Depositor / GNI per Capita	—	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	807	—
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	—	—

Overall Financial Performance

Overall Financial Performance
MFI name	AccessBank	AccessBank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	—	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—	—

Revenues

Revenues
MFI name	AccessBank	AccessBank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—	—
Profit marginProfit margin Net Operating Income / Financial Revenue	—	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	AccessBank	AccessBank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	—	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—	—

Efficiency

Efficiency
MFI name	AccessBank	AccessBank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	—	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—	—
Average salary/ GNI per capitaAverage salary/ GNI per capita Average Personnel Expense / GNI per capita	—	—
Cost per borrowerCost per borrower Operating Expense / Average Number of Active Borrowers	—	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	—	—

Productivity

Productivity
MFI name	AccessBank	AccessBank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	88	89
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	89	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	262	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	266	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	83	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	165	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	33.66%	—

Risk And Liquidity

Risk And Liquidity
MFI name	AccessBank	AccessBank
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
As of date	2011-12-31	2012-03-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	1.53%	0.91%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	1.45%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.54%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.54%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—	—

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