MIX Microfinance Information eXchange

MIX Market

Print report

Apoyo Integral5Apoyo Integral S.A. de C.V.

Compare Apoyo Integral to all MFIs.
Create a customized performance report. All peer group indicators are median values. Graphs show values from the 25th and 75th percentiles, with median midpoint. Data source: Unadjusted.

1. Choose data set

2. Choose display options

Year
Peer groups

Offices

Total assets

Personnel

Legend

  • All
  • Apoyo Integral
Apoyo Integral All
Number of MFIs 1 451
As of date 2008-12-31 2008
Currency USD USD
Total assets 64,169,415 5,409,153
Offices 25 8
Personnel 312 78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

  • All
  • Apoyo Integral
Apoyo Integral All
Number of MFIs 1 451
As of date 2008-12-31 2008
Capital/asset ratio 15.19% 22.28%
Debt to equity ratio 5.58 3.14
Deposits to loans — 17.93%
Deposits to total assets — 12.36%
Gross loan portfolio to total assets 88.72% 78.34%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

  • All
  • Apoyo Integral
Apoyo Integral All
Number of MFIs 1 451
As of date 2008-12-31 2008
Currency USD USD
Number of active borrowers 30,321 7,997
Percent of women borrowers 66.43% 60.46%
Number of outstanding loans 37,233 8,293
Gross loan portfolio 56,933,385 3,614,788
Average loan balance per borrower 1,878 592
Average loan balance borrower per borrower / GNI per capita 65.88% 35.69%
Average outstanding balance 1,529 571
Average outstanding balance / GNI per capita 53.65% 34.39%
Number of depositors — 641
Number of deposit accounts — 1,728
Deposits 0 376,783
Average deposit balance per depositor — 168
Average deposit balance per depositor / GNI per capita — 15.00%
Average deposit account balance — 157
Average deposit account balance / GNI per capita — 0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

  • All
  • Apoyo Integral
Apoyo Integral All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Return on assets 2.78% 2.10%
Return on equity 18.31% 9.72%
Operational self sufficiency 114.93% 112.26%
Apoyo Integral All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Financial revenue/ assets 28.33% 25.27%
Profit margin 12.99% 11.04%
Yield on gross portfolio (nominal) 31.62% 30.77%
Yield on gross portfolio (real) 25.86% 22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

  • All
  • Apoyo Integral
Apoyo Integral All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Total expense/ assets 24.65% 23.09%
Financial expense/ assets 8.33% 5.26%
Provision for loan impairment/ assets 3.54% 1.13%
Operating expense/ assets 12.78% 14.51%
Personnel expense/ assets 6.63% 8.07%
Administrative expense/ assets 6.14% 6.41%
Apoyo Integral All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Operating expense/ loan portfolio 14.40% 19.22%
Personnel expense/ loan portfolio 7.47% 10.70%
Average salary/ GNI per capita 4.51 3.69
Cost per borrower 252 137
Cost per loan 205 134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

  • All
  • Apoyo Integral
Apoyo Integral All
Number of MFIs 1 451
As of date 2008-12-31 2008
Borrowers per staff member 97 98
Loans per staff member 119 102
Borrowers per loan officer 226 245
Loans per loan officer 278 252
Depositors per staff member — 40
Deposit accounts per staff member — 53
Personnel allocation ratio 42.95% 44.80%
Apoyo Integral All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Portfolio at risk > 30 days 4.66% 3.58%
Portfolio at risk > 90 days 2.63% 2.01%
Write-off ratio 2.09% 0.36%
Loan loss rate 2.09% 0.20%
Risk coverage 73.98% 76.09%
Non-earning liquid assets as a % of total assets 6.99% 11.99%
Apoyo Integral All
Number of MFIs 1 451
As of date 2008-12-31 2008
Currency USD USD
64,169,415 5,316,293
4,483,452 726,418
1,648,147 171,459
— 0
— 0
— 0
54,972,195 3,352,616
56,933,385 3,548,055
1,961,190 111,590
— 0
— 0
— 0
— 0
— 4,126
1,993,177 16,574
744,117 191,808
64,169,415 5,293,138
54,420,431 3,667,710
0 414,688
52,806,927 1,396,991
— 0
— 4,040
963,073 150,045
32,842 20,617
270,405 4,052
269,193 8,389
— 0
9,748,984 1,220,875
7,096,400 432,158
2,055,203 141,526
— 0
— 0
30,919 156,609
566,462 90,962
— 0
Apoyo Integral All
Number of MFIs 1 451
As of date 2008-12-31 2008
30,321 8,019
37,233 8,456
— 1,075
— 2,064
Apoyo Integral All
Number of MFIs 1 451
Start date 2008-01-01 2008
As of date 2008-12-31 2008
Currency USD USD
15,898,290 1,274,256
15,773,119 1,212,336
11,898,431 1,054,993
11,886,156 998,284
12,275 13,077
0 1,649
3,874,688 96,904
3,863,522 58,055
0 0
11,166 0
0 2
186,214 10,904
0 0
-61,043 0
— —
0 0
0 0
0 0
0 0
0 0
0 0
4,674,224 240,482
4,618,868 261,393
3,853,709 250,036
3,853,709 143,038
0 19,270
0 0
765,159 984
0 0
0 0
765,159 67
55,356 0
1,988,611 52,272
1,988,611 67,799
0 1,857
7,170,034 859,507
3,722,294 481,282
256,058 34,214
3,191,682 338,218
2,065,421 82,728
Non operating income net -34,366 0
2,031,055 87,247
Tax expense 507,239 3,988
1,523,816 73,372
Donations 34,366 2,252
1,558,182 107,069
Apoyo Integral All
Number of MFIs 1 451
Start date 2008-01-01 2008
As of date 2008-12-31 2008
Currency USD USD
Impairment loss (reversal of impairment loss), gross loan portfolio 1,988,611 68,757
1,988,611 72,579
0 0
Other movements on impairment loss allowance 0 0
Exchange differences on impairment loss 0 0
Write offs 1,042,455 11,480