BRAC - TZA | MIX Market

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Institutional Characteristics

	2006	2007	2008
As of date	2006-12-31	2007-12-31	2008-12-31
Currency	USD	USD	USD
Total assets	3,386,129	12,144,725	16,154,766
Offices	13	49	93
Personnel	67	216	834

Financing Structure

	2006	2007	2008
As of date	2006-12-31	2007-12-31	2008-12-31
Capital/asset ratio	94.66%	33.35%	44.65%
Debt to equity ratio	0.06	2.00	1.24
Deposits to loans	12.03%	17.51%	24.70%
Deposits to total assets	1.67%	9.05%	11.24%
Gross loan portfolio to total assets	13.91%	51.69%	45.50%

Outreach

		2006	2007	2008
As of date		2006-12-31	2007-12-31	2008-12-31
Currency		USD	USD	USD
+ Number of active borrowers		5,131	57,343	69,502
+ Relationship
External customers	—	—	—	69,502
+ Economic sectors
Agriculture	—	—	—	1,997
Food and beverages	—	—	—	17,233
Health	—	—	—	1,289
Industry	—	—	—	1,159
Services	—	—	—	116
Trade and commerce	—	—	—	18,691
Transportation	—	—	—	205
Economic sectors other	—	—	—	28,812
+ Gender
Male	—	—	—	65
Female	—	5,131	57,343	69,437
+ Products (credit)
+ Retail loans	—	—	—	69,502
Microenterprise	—	—	—	69,502
Percent of women borrowers		100.00%	100.00%	99.91%
+ Number of outstanding loans		5,131	57,343	69,502
+ Gender
Male	—	—	—	65
Female	—	—	—	69,437
+ Relationship
External customers	—	—	—	69,502
+ Economic sectors
Agriculture	—	—	—	1,997
Food and beverages	—	—	—	17,233
Health	—	—	—	1,289
Industry	—	—	—	1,159
Services	—	—	—	116
Trade and commerce	—	—	—	18,691
Transportation	—	—	—	205
Economic sectors other	—	—	—	28,812
+ Delinquency
Less than one month	—	5,131	0	62,152
+ One month or more	—	—	—	—
From one to three months	—	0	0	5,102
+ More than three months	—	—	—	—
From three to six months	—	0	0	2,071
+ More than six months	—	—	—	—
From six to twelve months	—	0	0	177
One year or more	—	0	0	0
Renegotiated loans	—	0	0	0
+ Products (credit)
+ Retail loans	—	—	—	69,502
Microenterprise	—	—	—	69,502
+ Gross loan portfolio		470,961	6,277,033	7,350,716
+ Gender
Male	—	—	—	74,039
Female	—	—	—	7,276,677
+ Relationship
External customers	—	—	—	7,350,716
+ Economic sectors
Agriculture	—	—	—	168,333
Food and beverages	—	—	—	1,740,592
Health	—	—	—	147,179
Industry	—	—	—	109,912
Services	—	—	—	9,020
Trade and commerce	—	—	—	2,058,357
Transportation	—	—	—	15,802
Economic sectors other	—	—	—	3,101,522
+ Delinquency
Less than one month	—	470,961	—	6,911,426
+ One month or more	—	0	9,416	—
From one to three months	—	0	9,416	318,401
+ More than three months	—	—	—	—
From three to six months	—	0	0	91,716
+ More than six months	—	—	—	—
From six to twelve months	—	0	0	29,173
One year or more	—	0	0	0
Renegotiated loans	—	0	0	0
+ Products (credit)
+ Retail loans	—	—	—	7,350,716
Microenterprise	—	—	—	7,350,716
Average loan balance per borrower		92	109	106
Average loan balance borrower per borrower / GNI per capita		24.81%	26.70%	25.80%
Average outstanding balance		92	109	106
Average outstanding balance / GNI per capita		24.81%	26.70%	25.80%
+ Number of depositors		0	0	69,502
+ Products (deposits)
+ Retail deposits	—	—	—	69,502
Compulsory deposits	—	—	—	69,502
+ Gender
Male	—	—	—	65
Female	—	—	—	69,437
+ Number of deposit accounts		0	0	69,502
+ Products (deposits)
+ Retail deposits	—	—	—	69,502
Compulsory deposits	—	—	—	69,502
+ Gender
Male	—	—	—	65
Female	—	—	—	69,437
+ Deposits		56,668	1,098,951	1,815,476
+ Products (deposits)
+ Retail deposits	—	56,668	1,098,951	1,815,476
+ Voluntary deposits	—	0	0	0
Demand deposits	—	0	0	—
Time deposits	—	0	0	—
Compulsory deposits	—	56,668	1,098,951	1,815,476
Average deposit balance per depositor		—	—	26
Average deposit balance per depositor / GNI per capita		—	—	6.00%
Average deposit account balance		—	—	26
Average deposit account balance / GNI per capita		—	—	0

Overall Financial Performance

	2006	2007	2008
As of date	2006-12-31	2007-12-31	2008-12-31
	USD	USD	USD
Return on assets	—	-6.12%	-4.70%
Return on equity	—	-13.10%	-11.81%
Operational self sufficiency	16.85%	73.96%	83.84%

Revenues

	2006	2007	2008
As of date	2006-12-31	2007-12-31	2008-12-31
	USD	USD	USD
Financial revenue/ assets	—	17.38%	24.40%
Profit margin	-493.57%	-35.20%	-19.27%
Yield on gross portfolio (nominal)	—	35.02%	47.44%
Yield on gross portfolio (real)	—	26.15%	37.76%

Expenses

	2006	2007	2008
As of date	2006-12-31	2007-12-31	2008-12-31
	USD	USD	USD
Total expense/ assets	—	23.50%	29.10%
Financial expense/ assets	—	0.92%	7.90%
Provision for loan impairment/ assets	—	2.24%	3.75%
Operating expense/ assets	—	20.34%	17.45%
Personnel expense/ assets	—	10.97%	9.53%
Administrative expense/ assets	—	9.36%	7.92%

Efficiency

	2006	2007	2008
As of date	2006-12-31	2007-12-31	2008-12-31
	USD	USD	USD
Operating expense/ loan portfolio	—	46.80%	36.24%
Personnel expense/ loan portfolio	—	25.26%	19.79%
Average salary/ GNI per capita	—	14.69	6.26
Cost per borrower	—	51	39
Cost per loan	—	51	39

Productivity

	2006	2007	2008
As of date	2006-12-31	2007-12-31	2008-12-31
Borrowers per staff member	77	265	83
Loans per staff member	77	265	83
Borrowers per loan officer	128	277	179
Loans per loan officer	128	277	179
Depositors per staff member	0	0	83
Deposit accounts per staff member	0	0	83
Personnel allocation ratio	59.70%	95.83%	46.64%

Risk and Liquidity

	2006	2007	2008
As of date	2006-12-31	2007-12-31	2008-12-31
	USD	USD	USD
Portfolio at risk > 30 days	0.00%	0.15%	5.98%
Portfolio at risk > 90 days	0.00%	0.00%	1.64%
Write-off ratio	—	-0.04%	6.60%
Loan loss rate	—	-0.04%	6.60%
Risk coverage	—	2,125.96%	56.60%
Non-earning liquid assets as a % of total assets	84.54%	—	53.27%

MIX Market

BRAC - TZA4BRAC Tanzania

Institutional Characteristics

Financing Structure

Outreach

Overall Financial Performance

Revenues

Expenses

Efficiency

Productivity

Risk and Liquidity