Comparative report | MIX Market

Compare ASKI 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.

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Country

Offices

Total assets

Personnel

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All
ASKI

	ASKI	All
Number of MFIs	1	451
As of date	2009-06-30	2008
Currency	USD	USD
Total assets	13,684,113	5,409,153
Offices	21	8
Personnel	427	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
ASKI

	ASKI	All
Number of MFIs	1	451
As of date	2009-06-30	2008
Capital/asset ratio	11.93%	22.30%
Debt to equity ratio	7.38	3.14
Deposits to loans	32.02%	17.87%
Deposits to total assets	20.18%	12.35%
Gross loan portfolio to total assets	63.01%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

All
ASKI

	ASKI	All
Number of MFIs	1	451
As of date	2009-06-30	2008
Currency	USD	USD
Number of active borrowers	41,303	7,997
Percent of women borrowers	78.45%	60.46%
Number of outstanding loans	46,064	8,293
Gross loan portfolio	8,622,392	3,683,738
Average loan balance per borrower	209	592
Average loan balance borrower per borrower / GNI per capita	12.89%	35.69%
Average outstanding balance	187	571
Average outstanding balance / GNI per capita	11.55%	34.39%
Number of depositors	58,173	641
Number of deposit accounts	58,173	1,728
Deposits	2,761,281	376,783
Average deposit balance per depositor	47	168
Average deposit balance per depositor / GNI per capita	3.00%	15.00%
Average deposit account balance	47	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
ASKI

	ASKI	All
Number of MFIs	1	451
As of date	2009-06-30	2008
	USD	USD
Return on assets	2.09%	2.10%
Return on equity	15.07%	9.72%
Operational self sufficiency	112.21%	112.24%

	ASKI	All
Number of MFIs	1	451
As of date	2009-06-30	2008
	USD	USD
Financial revenue/ assets	35.35%	25.27%
Profit margin	10.88%	11.03%
Yield on gross portfolio (nominal)	54.84%	30.77%
Yield on gross portfolio (real)	50.58%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
ASKI

	ASKI	All
Number of MFIs	1	451
As of date	2009-06-30	2008
	USD	USD
Total expense/ assets	31.50%	23.09%
Financial expense/ assets	6.81%	5.26%
Provision for loan impairment/ assets	2.99%	1.13%
Operating expense/ assets	21.71%	14.51%
Personnel expense/ assets	11.18%	8.07%
Administrative expense/ assets	10.53%	6.41%

	ASKI	All
Number of MFIs	1	451
As of date	2009-06-30	2008
	USD	USD
Operating expense/ loan portfolio	34.46%	19.22%
Personnel expense/ loan portfolio	17.75%	10.70%
Average salary/ GNI per capita	1.94	3.69
Cost per borrower	63	137
Cost per loan	60	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
ASKI

	ASKI	All
Number of MFIs	1	451
As of date	2009-06-30	2008
Borrowers per staff member	97	98
Loans per staff member	108	102
Borrowers per loan officer	222	245
Loans per loan officer	248	252
Depositors per staff member	136	40
Deposit accounts per staff member	136	53
Personnel allocation ratio	43.56%	44.80%

	ASKI	All
Number of MFIs	1	451
As of date	2009-06-30	2008
	USD	USD
Portfolio at risk > 30 days	6.79%	3.59%
Portfolio at risk > 90 days	3.87%	2.03%
Write-off ratio	3.79%	0.36%
Loan loss rate	3.79%	0.20%
Risk coverage	92.05%	75.73%
Non-earning liquid assets as a % of total assets	24.31%	12.01%

	ASKI	All
Number of MFIs	1	451
As of date	2009-06-30	2008
Currency	USD	USD
Total assets	13,684,113	5,316,293
Cash and cash equivalents	3,326,487	726,418
Total trade and receivables	936,055	171,459
Financial assets at fair value	—	0
Financial assets available for sale	33,428	0
Other investments	—	0
Net loan portfolio	8,083,722	3,352,616
Gross loan portfolio	8,622,392	3,514,762
Impairment loss allowance	538,670	111,693
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	—	4,126
Intangible assets other than goodwill	—	16,574
Net fixed assets	1,180,605	194,348
Liabilities and equity	13,684,113	5,293,138
Total liabilities	12,051,466	3,667,710
Deposits	2,761,281	414,688
Total borrowings	7,625,638	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	1,238,325	147,016
Provisions for employee benefits	426,223	20,617
Deferred revenue	—	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	1,632,647	1,221,785
Paid in capital	—	434,291
Retained earnings total	1,632,647	142,164
Share premium	—	0
Treasury shares	—	0
Donated equity total	—	156,609
Equity reserves	—	90,962
Other equity interest	—	0

	ASKI	All
Number of MFIs	1	451
As of date	2009-06-30	2008
Number of active borrowers	41,303	8,019
Number of outstanding loans	46,064	8,456
Number of depositors	58,173	1,075
Number of deposit accounts	58,173	2,064

	ASKI	All
Number of MFIs	1	451
Start date	2008-07-01	2008
As of date	2009-06-30	2008
Currency	USD	USD
Operating income	4,133,020	1,274,256
Interest and fee income	4,049,879	1,214,159
Revenue from interest	3,286,289	1,052,533
Interest income from loans	3,275,459	1,006,275
Financial revenue from investments	10,830	13,077
Other interest income	—	1,649
Fee and commission income	763,591	99,115
Fee income from loans	679,471	58,341
Income from penalty fees	84,119	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	79,319	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	3,822	0
Gains (losses) on disposals of property, plant and equipment	—	0
Gains (losses) on financial assets	—	—
Gains (losses) on financial liabilities at fair value through profit or loss	—	0
Gains (losses) on held-to-maturity investments	—	0
Gains (losses) on loans and receivables	—	0
Gains (losses) on available-for-sale financial assets	—	0
Gains (losses) on financial liabilities at amortised cost	—	0
Gains (losses) on net monetary position	—	0
Financial expense	795,883	244,969
Interest and fee expense	795,883	261,158
Interest expense	746,204	250,210
Interest expense on borrowings	746,204	144,062
Interest expense on deposits	0	19,622
Interest expense on subordinated debt	—	0
Fee expense	49,680	1,018
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	49,680	0
Other fee and commission expense	—	67
Other financial expense	—	0
Net impairment loss, gross loan portfolio	349,202	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	349,202	68,636
Recovery loan losses	—	1,921
Operating expense	2,538,364	859,273
Personnel expense	1,307,404	482,694
Depreciation expense	169,133	34,247
Administrative expense	1,061,826	338,218
Net operating income	449,571	82,728
Non operating income net	0	0
Net income before taxes and donations	449,571	87,893
Tax expense	205,694	4,006
Net income after taxes before donations	243,878	73,372
Donations	66,897	2,365
Net income after taxes and donations	310,775	106,932

	ASKI	All
Number of MFIs	1	451
Start date	2008-07-01	2008
As of date	2009-06-30	2008
Currency	USD	USD
Impairment loss (reversal of impairment loss), gross loan portfolio	349,202	88,655
Impairment loss recognised	349,202	72,579
Reversal of impairment loss	—	0
Other movements on impairment loss allowance	—	0
Exchange differences on impairment loss	—	0
Write offs	279,427	11,480

MIX Market

ASKI4Alalay Sa Kaunlaran, Inc.

1. Choose data set

2. Choose display options

Offices

Total assets

Personnel

Legend

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend