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ASKI4Alalay Sa Kaunlaran, Inc.

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

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2005-06-30 2006-06-30 2007-06-30 2008-06-30 2009-06-30
Currency USD USD USD USD USD
Total assets 2,567,102 4,734,332 8,219,546 9,699,603 13,684,113
Offices — — 21 22 21
Personnel 249 310 337 405 427

Financing Structure

2004 2005 2006 2007 2008
As of date 2005-06-30 2006-06-30 2007-06-30 2008-06-30 2009-06-30
Capital/asset ratio 27.49% 19.12% 17.29% 16.53% 11.93%
Debt to equity ratio 2.64 4.23 4.78 5.05 7.38
Deposits to loans — — 39.70% 35.85% 32.02%
Deposits to total assets — — 20.44% 22.58% 20.18%
Gross loan portfolio to total assets 55.62% 52.86% 51.49% 62.98% 63.01%

Outreach

2004 2005 2006 2007 2008
As of date 2005-06-30 2006-06-30 2007-06-30 2008-06-30 2009-06-30
Currency USD USD USD USD USD
+ Number of active borrowers 25,352 35,453 47,077 38,942 41,303
— — — — 13,313 8,902
— 21,864 29,049 36,524 42,899 32,401
— — — — 38,942 41,303
— — — — 0 —
— — — — 56,212 —
— — — — 20,549 9,833
— — — — 35,663 31,470
— — — — — 9,891
— — — — — 31,412
Percent of women borrowers 86.24% 81.94% 77.58% 110.16% 78.45%
+ Number of outstanding loans — — 47,077 38,942 46,064
— — — — — 10,685
— — — — — 35,379
— — — 39,470 41,704 39,227
— — — — — —
— — — 4,813 4,827 1,586
— — — — — —
— — — 2,794 4,767 5,251
— — — — — —
— — — 0 0 0
— — — 0 0 0
— — — 0 0 0
— — — — 20,549 13,866
— — — — 35,663 32,198
— — — — 38,942 46,064
— — — — 0 4,453
— — — — — 214
— — — — — 4,239
— — — — 56,212 41,611
— — — — 13,313 9,631
— — — — 42,899 36,433
+ Gross loan portfolio 1,427,716 2,502,414 4,232,591 6,108,855 8,622,392
— — — — — 1,626,637
— — — — — 6,995,755
— — — 3,986,680 8,058,073 8,037,224
— 60,622 85,714 245,911 206,206 —
— — — 158,921 169,800 251,250
— — — — — —
— — — 86,990 204,217 333,918
— — — — — —
— — — 0 0 0
— — — 0 0 0
— — — 0 0 0
— — — — 5,921,870 3,851,249
— — — — 2,510,219 4,771,143
— — — — 8,432,089 8,622,392
— — — — 0 2,036,119
— — — — — 277,095
— — — — — 1,759,023
— — — — 8,432,089 6,586,273
— — — — 2,550,991 2,624,970
— — — — 5,881,098 5,997,421
Average loan balance per borrower 56 71 90 157 209
Average loan balance borrower per borrower / GNI per capita 4.77% 5.56% 6.47% 9.68% 12.89%
Average outstanding balance — — 90 157 187
Average outstanding balance / GNI per capita — — 6.47% 9.68% 11.55%
+ Number of depositors 0 0 38,676 50,109 58,173
— — — — — 58,173
— — — — — 0
— — — — — 58,173
+ Number of deposit accounts — — 38,676 50,109 58,173
— — — — — 58,173
— — — — — 0
— — — — — 58,173
+ Deposits — — 1,680,182 2,190,185 2,761,281
— — — 1,680,182 2,189,939 2,761,281
— 0 0 300,027 315,683 0
— — — 300,027 315,683 —
— — — 0 0 —
— — — 1,380,154 1,874,256 2,761,281
Average deposit balance per depositor — — 43 44 47
Average deposit balance per depositor / GNI per capita — — 3.00% 3.00% 3.00%
Average deposit account balance — — 43 44 47
Average deposit account balance / GNI per capita — — 0 0 0

Overall Financial Performance

2004 2005 2006 2007 2008
As of date 2005-06-30 2006-06-30 2007-06-30 2008-06-30 2009-06-30
USD USD USD USD USD
Return on assets 1.74% 1.60% 0.92% 0.29% 2.09%
Return on equity 7.20% 7.26% 5.11% 1.70% 15.07%
Operational self sufficiency 104.36% 104.26% 102.64% 100.85% 112.21%

Revenues

2004 2005 2006 2007 2008
As of date 2005-06-30 2006-06-30 2007-06-30 2008-06-30 2009-06-30
USD USD USD USD USD
Financial revenue/ assets 41.63% 39.19% 35.63% 34.13% 35.35%
Profit margin 4.18% 4.09% 2.57% 4.19% 10.88%
Yield on gross portfolio (nominal) — — 60.46% 54.75% 54.84%
Yield on gross portfolio (real) — — 51.03% 50.49% 50.58%

Expenses

2004 2005 2006 2007 2008
As of date 2005-06-30 2006-06-30 2007-06-30 2008-06-30 2009-06-30
USD USD USD USD USD
Total expense/ assets 39.90% 37.59% 34.71% 33.85% 31.50%
Financial expense/ assets 5.83% 3.85% 5.71% 6.00% 6.81%
Provision for loan impairment/ assets 6.84% 3.63% 4.84% 3.16% 2.99%
Operating expense/ assets 27.22% 30.11% 24.16% 24.69% 21.71%
Personnel expense/ assets — — 11.94% 12.44% 11.18%
Administrative expense/ assets — — 12.22% 12.25% 10.53%

Efficiency

2004 2005 2006 2007 2008
As of date 2005-06-30 2006-06-30 2007-06-30 2008-06-30 2009-06-30
USD USD USD USD USD
Operating expense/ loan portfolio 49.15% 55.94% 46.47% 42.79% 34.46%
Personnel expense/ loan portfolio — — 22.97% 21.55% 17.75%
Average salary/ GNI per capita — — 1.72 1.85 1.94
Cost per borrower 28 36 38 51 63
Cost per loan — — — 51 60

Productivity

2004 2005 2006 2007 2008
As of date 2005-06-30 2006-06-30 2007-06-30 2008-06-30 2009-06-30
Borrowers per staff member 102 114 140 96 97
Loans per staff member — — 140 96 108
Borrowers per loan officer — — 289 171 222
Loans per loan officer — — 289 171 248
Depositors per staff member 0 0 115 124 136
Deposit accounts per staff member — — 115 124 136
Personnel allocation ratio — — 48.37% 56.30% 43.56%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2005-06-30 2006-06-30 2007-06-30 2008-06-30 2009-06-30
USD USD USD USD USD
Portfolio at risk > 30 days 4.25% 3.43% 5.81% 6.12% 6.79%
Portfolio at risk > 90 days — — 2.06% 3.34% 3.87%
Write-off ratio 11.49% 0.00% 4.64% 5.12% 3.79%
Loan loss rate 11.49% 0.00% 4.64% 5.12% 3.79%
Risk coverage 66.29% 72.17% 162.19% 134.55% 92.05%
Non-earning liquid assets as a % of total assets — — 32.60% 21.98% 24.31%