Comparative report | MIX Market

Compare BRAC - UGA 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
BRAC - UGA

	BRAC - UGA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	13,845,172	5,409,153
Offices	64	8
Personnel	562	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
BRAC - UGA

	BRAC - UGA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	16.84%	22.28%
Debt to equity ratio	4.94	3.14
Deposits to loans	18.93%	17.93%
Deposits to total assets	10.61%	12.36%
Gross loan portfolio to total assets	56.04%	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
BRAC - UGA

	BRAC - UGA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	62,609	7,997
Percent of women borrowers	99.85%	60.46%
Number of outstanding loans	62,609	8,293
Gross loan portfolio	7,759,284	3,661,739
Average loan balance per borrower	124	592
Average loan balance borrower per borrower / GNI per capita	33.50%	35.69%
Average outstanding balance	124	571
Average outstanding balance / GNI per capita	33.50%	34.39%
Number of depositors	62,609	641
Number of deposit accounts	62,609	1,728
Deposits	1,468,928	376,783
Average deposit balance per depositor	23	168
Average deposit balance per depositor / GNI per capita	6.00%	15.00%
Average deposit account balance	23	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
BRAC - UGA

	BRAC - UGA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	-2.07%	2.10%
Return on equity	-11.53%	9.72%
Operational self sufficiency	93.41%	112.26%

	BRAC - UGA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	29.31%	25.27%
Profit margin	-7.05%	11.04%
Yield on gross portfolio (nominal)	48.56%	30.77%
Yield on gross portfolio (real)	40.25%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
BRAC - UGA

	BRAC - UGA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	31.37%	23.09%
Financial expense/ assets	11.52%	5.26%
Provision for loan impairment/ assets	2.91%	1.13%
Operating expense/ assets	16.94%	14.51%
Personnel expense/ assets	11.47%	8.07%
Administrative expense/ assets	5.47%	6.41%

	BRAC - UGA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	28.96%	19.22%
Personnel expense/ loan portfolio	19.61%	10.70%
Average salary/ GNI per capita	8.31	3.69
Cost per borrower	36	137
Cost per loan	36	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
BRAC - UGA

	BRAC - UGA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	111	98
Loans per staff member	111	102
Borrowers per loan officer	181	245
Loans per loan officer	181	252
Depositors per staff member	111	40
Deposit accounts per staff member	111	53
Personnel allocation ratio	61.57%	44.80%

	BRAC - UGA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	3.80%	3.59%
Portfolio at risk > 90 days	2.77%	2.03%
Write-off ratio	—	0.36%
Loan loss rate	—	0.20%
Risk coverage	142.79%	75.73%
Non-earning liquid assets as a % of total assets	44.54%	11.99%

	BRAC - UGA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	13,845,172	5,316,293
Cash and cash equivalents	6,166,978	721,678
Total trade and receivables	75,101	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	7,338,228	3,352,616
Gross loan portfolio	7,759,284	3,514,762
Impairment loss allowance	421,057	109,046
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	264,865	192,881
Liabilities and equity	13,845,172	5,293,138
Total liabilities	11,513,534	3,666,852
Deposits	1,468,928	414,688
Total borrowings	9,373,734	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	658,852	145,875
Provisions for employee benefits	—	20,617
Deferred revenue	—	4,052
Current tax liabilities	12,021	8,389
Deferred tax liabilities	—	0
Total equity	2,331,637	1,220,875
Paid in capital	2,100,345	434,291
Retained earnings total	—	142,164
Share premium	231,293	0
Treasury shares	—	0
Donated equity total	—	156,609
Equity reserves	—	90,962
Other equity interest	—	0

	BRAC - UGA	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	62,609	8,019
Number of outstanding loans	62,609	8,456
Number of depositors	62,609	1,075
Number of deposit accounts	62,609	2,064

	BRAC - UGA	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	3,126,240	1,274,256
Interest and fee income	3,126,194	1,214,159
Revenue from interest	2,913,019	1,052,533
Interest income from loans	2,816,207	998,284
Financial revenue from investments	—	13,077
Other interest income	96,812	1,649
Fee and commission income	213,175	99,375
Fee income from loans	213,175	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	23	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	23	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	1,229,324	240,482
Interest and fee expense	1,229,324	261,158
Interest expense	686,975	249,861
Interest expense on borrowings	686,975	143,968
Interest expense on deposits	—	19,270
Interest expense on subordinated debt	—	0
Fee expense	542,349	984
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	542,349	0
Other fee and commission expense	—	67
Other financial expense	—	0
Net impairment loss, gross loan portfolio	310,616	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	310,616	68,494
Recovery loan losses	—	1,857
Operating expense	1,806,814	858,343
Personnel expense	1,223,324	481,547
Depreciation expense	28,891	34,234
Administrative expense	554,599	338,218
Net operating income	-220,537	82,657
Non operating income net	0	0
Net income before taxes and donations	-220,537	87,893
Tax expense	0	3,988
Net income after taxes before donations	-220,537	73,372
Donations	225,490	2,252
Net income after taxes and donations	4,953	105,419

	BRAC - UGA	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	310,616	68,757
Impairment loss recognised	310,616	72,579
Reversal of impairment loss	0	0
Other movements on impairment loss allowance	0	0
Exchange differences on impairment loss	0	0
Write offs	0	11,480

MIX Market

BRAC - UGA4BRAC Uganda

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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