Comparative report | MIX Market

Compare CIDRE 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
CIDRE

	CIDRE	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	13,398,749	5,409,153
Offices	11	8
Personnel	39	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
CIDRE

	CIDRE	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	29.81%	22.28%
Debt to equity ratio	2.35	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	75.99%	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
CIDRE

	CIDRE	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	4,198	7,997
Percent of women borrowers	20.06%	60.46%
Number of outstanding loans	4,198	8,293
Gross loan portfolio	10,181,309	3,661,739
Average loan balance per borrower	2,425	592
Average loan balance borrower per borrower / GNI per capita	192.48%	35.69%
Average outstanding balance	2,425	571
Average outstanding balance / GNI per capita	192.48%	34.39%
Number of depositors	—	641
Number of deposit accounts	—	1,728
Deposits	0	376,783
Average deposit balance per depositor	—	168
Average deposit balance per depositor / GNI per capita	—	15.00%
Average deposit account balance	—	157
Average deposit account balance / GNI per capita	—	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

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All
CIDRE

	CIDRE	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	1.94%	2.10%
Return on equity	5.64%	9.72%
Operational self sufficiency	111.54%	112.26%

	CIDRE	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	18.74%	25.27%
Profit margin	10.35%	11.04%
Yield on gross portfolio (nominal)	18.52%	30.77%
Yield on gross portfolio (real)	9.02%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
CIDRE

	CIDRE	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	16.80%	23.09%
Financial expense/ assets	9.30%	5.26%
Provision for loan impairment/ assets	-0.50%	1.13%
Operating expense/ assets	7.99%	14.51%
Personnel expense/ assets	4.75%	8.07%
Administrative expense/ assets	3.24%	6.41%

	CIDRE	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	11.05%	19.22%
Personnel expense/ loan portfolio	6.57%	10.70%
Average salary/ GNI per capita	13.03	3.69
Cost per borrower	177	137
Cost per loan	177	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
CIDRE

	CIDRE	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	108	98
Loans per staff member	108	102
Borrowers per loan officer	262	245
Loans per loan officer	262	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	41.03%	44.80%

	CIDRE	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	8.15%	3.59%
Portfolio at risk > 90 days	7.08%	2.03%
Write-off ratio	—	0.36%
Loan loss rate	-1.90%	0.20%
Risk coverage	33.83%	75.73%
Non-earning liquid assets as a % of total assets	4.00%	11.99%

	CIDRE	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	13,398,749	5,316,293
Cash and cash equivalents	535,585	721,678
Total trade and receivables	342,053	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	9,900,613	3,352,616
Gross loan portfolio	10,181,309	3,514,762
Impairment loss allowance	280,696	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	712,376	192,881
Liabilities and equity	13,398,749	5,293,138
Total liabilities	9,404,108	3,666,852
Deposits	0	414,688
Total borrowings	7,547,270	1,381,184
Subordinated debt	574,773	0
Other short term financial liabilities	—	4,040
Trade and other payables	1,260,857	145,875
Provisions for employee benefits	8,470	20,617
Deferred revenue	—	4,052
Current tax liabilities	10,711	8,389
Deferred tax liabilities	—	0
Total equity	3,994,641	1,220,875
Paid in capital	2,656,087	434,291
Retained earnings total	278,891	142,164
Share premium	—	0
Treasury shares	—	0
Donated equity total	—	156,609
Equity reserves	78,960	90,962
Other equity interest	980,703	0

	CIDRE	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	4,198	8,019
Number of outstanding loans	4,198	8,456
Number of depositors	—	1,075
Number of deposit accounts	—	2,064

	CIDRE	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	2,233,387	1,274,256
Interest and fee income	1,611,824	1,214,159
Revenue from interest	1,607,128	1,052,533
Interest income from loans	1,595,918	998,284
Financial revenue from investments	11,181	13,077
Other interest income	29	1,649
Fee and commission income	4,696	99,375
Fee income from loans	0	58,055
Income from penalty fees	0	0
Fee and commission income from other financial services	4,696	0
Other fee and commission income	0	2
Other operating income	159,755	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	14,185	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	447,623	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	-254,043	0
Financial expense	1,108,988	240,482
Interest and fee expense	494,325	261,158
Interest expense	494,325	249,861
Interest expense on borrowings	494,325	143,968
Interest expense on deposits	0	19,270
Interest expense on subordinated debt	0	0
Fee expense	0	984
Fee and commission expense on deposits	0	0
Fee and commission expense on borrowings	0	0
Other fee and commission expense	0	67
Other financial expense	614,664	0
Net impairment loss, gross loan portfolio	-59,029	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	104,824	68,494
Recovery loan losses	163,853	1,857
Operating expense	952,287	858,343
Personnel expense	566,258	481,547
Depreciation expense	56,251	34,234
Administrative expense	329,778	338,218
Net operating income	231,141	82,657
Non operating income net	-9,934	0
Net income before taxes and donations	221,207	87,893
Tax expense	0	3,988
Net income after taxes before donations	221,207	73,372
Donations	0	2,252
Net income after taxes and donations	221,207	105,419

	CIDRE	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	104,824	68,757
Impairment loss recognised	567,900	72,579
Reversal of impairment loss	463,076	0
Other movements on impairment loss allowance	0	0
Exchange differences on impairment loss	238	0
Write offs	0	11,480

MIX Market

CIDRE5

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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