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Ameen4CHF International / Ameen

Indicators
Currency
Years
  • Total assets
  • Gross loan portfolio
  • Total equity

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
Currency USD USD USD USD USD
Total assets 8,173,353 6,685,292 6,764,897 8,520,754 12,744,783
Offices 51 1 1 1 1
Personnel 47 49 62 67 85

Financing Structure

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
Capital/asset ratio 22.89% 28.78% 31.35% 29.69% 21.93%
Debt to equity ratio 3.37 2.47 2.19 2.37 3.56
Deposits to loans 0.00% 0.00% 0.00% 0.00% 0.00%
Deposits to total assets 0.00% 0.00% 0.00% 0.00% 0.00%
Gross loan portfolio to total assets 94.21% 92.04% 88.39% 85.70% 83.46%

Outreach

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
Currency USD USD USD USD USD
+ Number of active borrowers 7,454 7,829 7,867 7,227 11,238
— — — — — 8,648
— 3,437 1,598 1,707 1,858 2,590
— — — — — 11,238
— — — — — 11,238
— — — — — 3,094
— — — — — 2,685
— — — — — 409
— — — — — 8,144
— — — — — 11,238
Percent of women borrowers 46.11% 20.41% 21.70% 22.05% 23.05%
+ Number of outstanding loans 7,454 7,829 7,867 8,427 —
— — — — — 8,656
— — — — — 2,591
— 7,352 7,716 6,435 0 10,931
— — — — — —
— 52 57 1,307 0 204
— — — — — —
— 15 36 73 0 91
— — — — — —
— 35 20 52 0 21
— 0 0 0 0 —
— 0 0 0 0 —
— — — — — 11,247
— — — — — 11,247
— — — — — 3,099
— — — — — 2,689
— — — — — 410
— — — — — 8,148
— — — — — 11,247
+ Gross loan portfolio 7,700,218 6,152,830 5,979,571 7,302,681 10,637,340
— — — — — 8,345,267
— — — — — 2,294,177
— 7,592,415 6,090,440 5,621,908 7,199,566 10,469,420
— 107,803 62,390 357,663 103,115 170,024
— 53,902 29,144 306,640 61,913 114,079
— — — — — —
— 15,400 23,527 26,021 30,063 48,832
— — — — — —
— 38,501 9,719 25,002 11,139 7,113
— 0 0 0 0 0
— 0 0 0 0 0
— — — — — 10,639,444
— — — — — 10,639,444
— — — — — 2,576,157
— — — — — 2,189,275
— — — — — 386,882
— — — — — 8,063,287
— — — — — 10,639,444
Average loan balance per borrower 1,033 786 760 867 947
Average loan balance borrower per borrower / GNI per capita 18.95% 13.81% 13.50% 14.94% 16.32%
Average outstanding balance 1,033 786 760 867 —
Average outstanding balance / GNI per capita 18.95% 13.81% 13.50% 14.94% —
Number of depositors 0 0 0 0 0
Number of deposit accounts 0 0 0 0 —
+ Deposits 0 0 0 0 0
— 0 0 0 0 —
— 0 0 0 0 0
— 0 0 0 0 —
— 0 0 0 0 —
— 0 0 0 0 —
Average deposit balance per depositor — — — — —
Average deposit balance per depositor / GNI per capita — — — — —
Average deposit account balance — — — — —
Average deposit account balance / GNI per capita — — — — —

Overall Financial Performance

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
USD USD USD USD USD
Return on assets 1.09% 0.58% -1.73% 1.52% 0.86%
Return on equity 4.46% 2.29% -5.75% 4.99% 3.43%
Operational self sufficiency 107.30% 104.19% 89.71% 111.61% 106.99%

Revenues

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
USD USD USD USD USD
Financial revenue/ assets 15.98% 15.82% 15.09% 17.59% 16.49%
Profit margin 6.80% 4.02% -11.47% 10.40% 6.53%
Yield on gross portfolio (nominal) 16.50% 16.80% 16.57% 19.40% 18.72%
Yield on gross portfolio (real) 14.58% 17.65% 10.42% 14.74% 14.09%

Expenses

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
USD USD USD USD USD
Total expense/ assets 14.89% 15.18% 16.81% 15.76% 15.41%
Financial expense/ assets 0.12% 0.19% 0.16% 0.07% 0.47%
Provision for loan impairment/ assets 0.02% 0.07% 2.18% -1.28% 0.13%
Operating expense/ assets 14.74% 14.92% 14.48% 16.98% 14.82%
Personnel expense/ assets 7.70% 10.62% 11.45% 13.07% 11.53%
Administrative expense/ assets 7.04% 4.30% 3.03% 3.90% 3.28%

Efficiency

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
USD USD USD USD USD
Operating expense/ loan portfolio 16.29% 16.00% 16.05% 19.54% 17.56%
Personnel expense/ loan portfolio 8.51% 11.39% 12.69% 15.04% 13.67%
Average salary/ GNI per capita 2.17 2.89 2.46 2.60 2.73
Cost per borrower 143 145 124 165 160
Cost per loan 143 145 124 159 —

Productivity

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
Borrowers per staff member 159 160 127 120 132
Loans per staff member 159 160 127 120 —
Borrowers per loan officer 213 237 192 183 201
Loans per loan officer 213 237 192 183 —
Depositors per staff member 0 0 0 0 0
Deposit accounts per staff member 0 0 0 0 —
Personnel allocation ratio 74.47% 67.35% 66.13% 65.71% 65.88%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
USD USD USD USD USD
Portfolio at risk > 30 days 1.40% 1.01% 5.98% 1.41% 1.60%
Portfolio at risk > 90 days 0.70% 0.54% 0.85% 0.56% 0.53%
Write-off ratio 0.00% 0.05% 0.22% 0.42% 0.07%
Loan loss rate -0.04% 0.01% 0.20% 0.41% 0.07%
Risk coverage 4.77% 15.75% 40.21% 17.70% 11.49%
Non-earning liquid assets as a % of total assets 5.01% 7.82% 7.52% 1.75% 14.50%