MIX Microfinance Information eXchange

MIX Market

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AMK5Angkor Mikroheranhvatho Kampuchea

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

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
Total assets 2,159,628 3,207,946 6,237,325 12,320,485 29,520,328
Offices 5 11 10 15 20
Personnel 91 108 188 349 565

Financing Structure

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Capital/asset ratio 95.41% 74.43% 45.11% 29.83% 35.41%
Debt to equity ratio 0.05 0.34 1.22 2.35 1.82
Deposits to loans 0.29% 0.47% 0.59% 0.85% 0.66%
Deposits to total assets 0.16% 0.36% 0.49% 0.71% 0.52%
Gross loan portfolio to total assets 55.06% 76.19% 83.86% 83.66% 79.35%

Outreach

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
+ Number of active borrowers 20,502 36,221 67,006 — 188,696
— — — — — 28,079
— 17,468 30,989 56,884 101,482 160,617
— — — — — 188,696
— — — — — 188,488
— — — — — 208
— — — — — 36,381
— — — — — 160,841
— — — — — 188,696
Percent of women borrowers 85.20% 85.56% 84.89% — 85.12%
+ Number of outstanding loans 20,502 36,221 67,006 — 197,222
— — — — — 36,381
— — — — — 160,841
— — — — — 197,222
— 20,282 36,196 66,906 122,654 196,596
— — — — — —
— 47 8 83 0 502
— — — — — —
— 173 17 0 0 107
— — — — — —
— 0 0 0 0 7
— 0 0 17 0 10
— 0 0 0 0 0
— — — — — 197,222
— — — — — 8,526
— — — — — 8,526
— — — — — 188,696
— — — — — 197,000
— — — — — 222
— — — — — 29,542
— — — — — 167,680
+ Gross loan portfolio 1,189,094 2,444,107 5,230,443 10,306,981 23,423,582
— — — — — 8,907,824
— — — — — 14,515,758
— — — — — 23,423,582
— 1,180,528 2,443,000 5,225,535 10,301,089 23,339,285
— 8,566 1,107 4,908 5,892 84,298
— 2,042 239 4,017 3,737 73,038
— — — — — —
— 6,524 868 0 0 9,626
— — — — — —
— 0 0 0 500 741
— 0 0 891 1,655 892
— 0 0 0 0 0
— — — — — 23,423,582
— — — — — 940,464
— — — — — 940,464
— — — — — 22,483,118
— — — — — 23,187,910
— — — — — 235,672
— — — — — 4,058,510
— — — — — 19,365,072
Average loan balance per borrower 58 67 78 — 124
Average loan balance borrower per borrower / GNI per capita 14.87% 14.67% 15.61% — 22.57%
Average outstanding balance 58 67 78 — 119
Average outstanding balance / GNI per capita 14.87% 14.67% 15.61% — 21.59%
+ Number of depositors 527 1,391 3,472 — 15,552
— — — — — 3,302
— — — — — 12,250
— — — — — 15,552
— — — — — 1,820
— — — — — 1,820
— — — — — 13,732
+ Number of deposit accounts 527 1,391 3,472 — 15,552
— — — — — 3,302
— — — — — 12,250
— — — — — 15,552
— — — — — 1,820
— — — — — 1,820
— — — — — 13,732
+ Deposits 3,498 11,429 30,868 87,590 154,523
— — — — — 41,652
— — — — — 112,871
— 3,498 11,429 30,868 87,590 154,523
— 1,075 4,677 8,362 27,885 46,887
— 1,075 4,677 8,362 27,885 46,887
— 0 0 0 0 —
— 2,423 6,752 22,506 59,705 107,636
Average deposit balance per depositor 7 8 9 — 10
Average deposit balance per depositor / GNI per capita 2.00% 2.00% 2.00% — 2.00%
Average deposit account balance 7 8 9 — 10
Average deposit account balance / GNI per capita 0 0 0 — 0

Overall Financial Performance

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Return on assets -2.96% 0.19% 8.09% 8.87% 4.28%
Return on equity -3.08% 0.23% 14.69% 25.38% 12.69%
Operational self sufficiency 90.27% 101.77% 139.12% 146.72% 124.25%

Revenues

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Financial revenue/ assets 25.16% 25.87% 34.00% 33.29% 30.00%
Profit margin -10.77% 1.74% 28.12% 31.84% 18.08%
Yield on gross portfolio (nominal) 39.79% 37.55% 37.48% 35.99% 36.71%
Yield on gross portfolio (real) 34.52% 29.34% 29.53% 26.31% 26.97%

Expenses

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Total expense/ assets 27.87% 25.42% 24.44% 22.69% 24.14%
Financial expense/ assets 0.01% 0.37% 0.45% 1.35% 6.09%
Provision for loan impairment/ assets 0.55% -0.21% 0.56% 0.58% 0.94%
Operating expense/ assets 27.31% 25.27% 23.43% 20.76% 17.11%
Personnel expense/ assets 16.33% 15.08% 13.52% 11.73% 10.20%
Administrative expense/ assets 10.98% 10.19% 9.90% 9.03% 6.90%

Efficiency

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Operating expense/ loan portfolio 47.01% 37.33% 28.83% 24.80% 21.22%
Personnel expense/ loan portfolio 28.11% 22.28% 16.65% 14.01% 12.66%
Average salary/ GNI per capita 9.33 8.84 8.63 7.37 8.49
Cost per borrower 25 24 21 — —
Cost per loan 25 24 21 — —

Productivity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Borrowers per staff member 225 335 356 — 334
Loans per staff member 225 335 356 — 349
Borrowers per loan officer 446 697 736 — 582
Loans per loan officer 446 697 736 — 609
Depositors per staff member 6 13 18 — 28
Deposit accounts per staff member 6 13 18 — 28
Personnel allocation ratio 50.55% 48.15% 48.40% 52.15% 57.35%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Portfolio at risk > 30 days 0.72% 0.05% 0.09% 0.06% 0.36%
Portfolio at risk > 90 days 0.55% 0.04% 0.02% 0.02% 0.05%
Write-off ratio 1.19% 0.32% 0.00% 0.07% 0.28%
Loan loss rate 0.65% 0.22% -0.01% 0.07% 0.28%
Risk coverage 423.07% 2,288.62% 1,091.04% 1,785.34% 297.28%
Non-earning liquid assets as a % of total assets 37.75% 18.07% 10.11% 10.79% 16.43%