ACLEDA4

ACLEDA Bank Plc.

Select i

Report Periodi

Report Typei

Report Type

Compare to Benchmarksi

Please use this button to enable the changes you've made to your report settings.
Institutional Characteristics
Institutional Characteristics
MFI name ACLEDA ACLEDA
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-09-30
Assets 1,908,178,016 2,034,279,449
OfficesOffices

Number, including head office

238 238
PersonnelPersonnel

Total number of staff members

8,321 913
Financing Structure
Financing Structure
MFI name ACLEDA ACLEDA
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-09-30
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

13.23% 17.15%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

6.56
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

116.48% 10.00%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

76.53% 6.83%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

65.70% 68.33%
Outreach Indicators
Outreach Indicators
MFI name ACLEDA ACLEDA
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-09-30
As of date 2012-12-31 2013-09-30
Currency USD USD
Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

315,063 332,132
Percent of female borrowers
Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

315,063
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

1,253,744,486 1,389,989,566
125,900
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

3,979 4,185
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

473.59% 498.07%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

3,979
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

473.59%
Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

932,779 153,227
Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

DepositsDeposits

Total value of all deposit accounts

1,460,326,163 138,967,137
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

1,566 907
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

186.00% 108.00%
Overall Financial Performance
Overall Financial Performance
MFI name ACLEDA ACLEDA
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-09-30
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

3.75%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

29.52%
Operational self sufficiencyOperational self sufficiency

Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)

158.55%
Revenues
Revenues
MFI name ACLEDA ACLEDA
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-09-30
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

12.65%
Profit marginProfit margin

Net Operating Income / Financial Revenue

36.93%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

17.87%
Yield on gross portfolio (real)Yield on gross portfolio (real)

(Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)

10.78%
Expenses
Expenses
MFI name ACLEDA ACLEDA
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-09-30
Total expense/ assetsTotal expense/ assets

(Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets

7.98%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

2.42%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

0.26%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

5.30%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

3.53%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

1.77%
Efficiency
Efficiency
MFI name ACLEDA ACLEDA
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-09-30
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

7.93%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

5.29%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

9.60
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

304
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

306
Productivity
Productivity
MFI name ACLEDA ACLEDA
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-09-30
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

38 364
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

38
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

112 168
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

Risk And Liquidity
Risk And Liquidity
MFI name ACLEDA ACLEDA
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-09-30
As of date 2012-12-31 2013-09-30
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

0.01%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio

Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.11%
Loan loss rateLoan loss rate

(Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio

0.07%
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

31.93%