Comparative report | MIX Market

Compare CEPRODEL 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
CEPRODEL

	CEPRODEL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	14,277,583	5,409,153
Offices	25	8
Personnel	164	77

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
CEPRODEL

	CEPRODEL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	16.28%	22.28%
Debt to equity ratio	5.14	3.14
Deposits to loans	4.14%	17.93%
Deposits to total assets	3.33%	12.36%
Gross loan portfolio to total assets	80.44%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

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All
CEPRODEL

	CEPRODEL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	13,866	7,997
Percent of women borrowers	55.82%	60.46%
Number of outstanding loans	13,866	8,293
Gross loan portfolio	11,485,524	3,614,788
Average loan balance per borrower	828	592
Average loan balance borrower per borrower / GNI per capita	83.67%	35.69%
Average outstanding balance	828	571
Average outstanding balance / GNI per capita	83.67%	34.39%
Number of depositors	15,391	641
Number of deposit accounts	15,391	1,728
Deposits	475,863	376,783
Average deposit balance per depositor	31	168
Average deposit balance per depositor / GNI per capita	3.00%	15.00%
Average deposit account balance	31	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

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All
CEPRODEL

	CEPRODEL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	0.23%	2.10%
Return on equity	1.35%	9.72%
Operational self sufficiency	100.84%	112.24%

	CEPRODEL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	27.58%	25.27%
Profit margin	0.83%	11.03%
Yield on gross portfolio (nominal)	34.67%	30.77%
Yield on gross portfolio (real)	21.18%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
CEPRODEL

	CEPRODEL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	27.35%	23.09%
Financial expense/ assets	6.79%	5.26%
Provision for loan impairment/ assets	3.94%	1.13%
Operating expense/ assets	16.63%	14.51%
Personnel expense/ assets	9.06%	8.07%
Administrative expense/ assets	7.57%	6.41%

	CEPRODEL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	21.47%	19.22%
Personnel expense/ loan portfolio	11.70%	10.70%
Average salary/ GNI per capita	7.91	3.69
Cost per borrower	164	137
Cost per loan	164	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
CEPRODEL

	CEPRODEL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	85	98
Loans per staff member	85	102
Borrowers per loan officer	257	245
Loans per loan officer	257	252
Depositors per staff member	94	40
Deposit accounts per staff member	94	53
Personnel allocation ratio	32.93%	44.80%

	CEPRODEL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	5.82%	3.57%
Portfolio at risk > 90 days	4.26%	2.00%
Write-off ratio	2.68%	0.36%
Loan loss rate	2.67%	0.20%
Risk coverage	80.81%	76.09%
Non-earning liquid assets as a % of total assets	6.84%	11.99%

	CEPRODEL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	14,277,583	5,316,293
Cash and cash equivalents	976,848	721,678
Total trade and receivables	1,337,093	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	10,945,254	3,352,616
Gross loan portfolio	11,485,524	3,514,762
Impairment loss allowance	540,270	111,590
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	11,722	4,126
Intangible assets other than goodwill	91,080	16,574
Net fixed assets	631,680	191,808
Liabilities and equity	14,277,583	5,293,138
Total liabilities	11,953,203	3,666,852
Deposits	475,863	414,688
Total borrowings	10,875,418	1,390,424
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	279,704	147,016
Provisions for employee benefits	268,741	20,617
Deferred revenue	—	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	2,324,381	1,177,566
Paid in capital	—	432,158
Retained earnings total	1,111,406	141,526
Share premium	—	0
Treasury shares	—	0
Donated equity total	748,494	156,609
Equity reserves	463,981	90,962
Other equity interest	500	0

	CEPRODEL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	13,866	8,019
Number of outstanding loans	13,866	8,456
Number of depositors	15,391	1,075
Number of deposit accounts	15,391	2,064

	CEPRODEL	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	3,877,190	1,272,266
Interest and fee income	3,800,776	1,212,336
Revenue from interest	3,355,992	1,054,993
Interest income from loans	3,332,482	998,284
Financial revenue from investments	23,509	13,077
Other interest income	—	1,649
Fee and commission income	444,784	96,904
Fee income from loans	440,989	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	3,795	0
Other fee and commission income	—	2
Other operating income	62,167	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	1,258	0
Gains (losses) on disposals of property, plant and equipment	12,990	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	954,783	240,482
Interest and fee expense	985,175	261,393
Interest expense	957,075	250,036
Interest expense on borrowings	911,527	143,479
Interest expense on deposits	45,548	19,270
Interest expense on subordinated debt	—	0
Fee expense	28,100	984
Fee and commission expense on deposits	0	0
Fee and commission expense on borrowings	28,100	0
Other fee and commission expense	—	67
Other financial expense	-30,392	0
Net impairment loss, gross loan portfolio	553,148	52,251
Impairment loss (reversal of impairment loss), gross loan portfolio	553,873	67,799
Recovery loan losses	724	1,857
Operating expense	2,336,977	858,343
Personnel expense	1,273,064	481,282
Depreciation expense	150,212	34,214
Administrative expense	913,700	338,218
Net operating income	32,282	82,657
Non operating income net	-41,959	0
Net income before taxes and donations	-9,677	87,247
Tax expense	0	3,988
Net income after taxes before donations	-9,677	70,639
Donations	0	2,252
Net income after taxes and donations	-9,677	106,932

	CEPRODEL	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	553,873	68,757
Impairment loss recognised	978,954	72,579
Reversal of impairment loss	425,081	0
Other movements on impairment loss allowance	—	0
Exchange differences on impairment loss	—	0
Write offs	291,281	11,444

MIX Market

CEPRODEL5Centro de Promoción del Desarrollo Local

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