Credit Mongol | MFIs in Mongolia

Credit Mongol4

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Institutional Characteristics

Institutional Characteristics
MFI name	Credit Mongol	Credit Mongol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Assets	10,696,658	13,054,261
OfficesOffices Number, including head office	—	12
+ PersonnelPersonnel Total number of staff members	—	94
+ Gender
Female	—	51

Financing Structure

Financing Structure
MFI name	Credit Mongol	Credit Mongol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	—	16.54%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—	5.05
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	—	0.00%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	—	0.00%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	82.71%	74.92%

Outreach Indicators

Outreach Indicators
MFI name	Credit Mongol	Credit Mongol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
As of date	2011-06-30	2011-12-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	—	2,748
+ Relationship
External customers	—	2,681
Management and staff	—	67
+ Gender
Male	—	1,382
Female	—	1,356
Legal entity	—	10
+ Location
Urban	—	1,704
Rural	—	1,044
Percent of female borrowers	—	49.34%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	2,507	2,748
+ Delinquency
Less than one month	—	2,722
+ One month or more	—	—
From one to three months	—	7
+ More than three months	—	—
From three to six months	—	4
+ More than six months	—	—
From six to twelve months	—	3
One year or more	—	10
Renegotiated loans	—	2
+ Location
Urban	—	1,704
Rural	—	1,044
+ Products (credit)
Loans to corporations	—	0
Loans to financial institutions	—	0
Loans to governments	—	0
+ Retail loans	—	2,748
+ Household financing	—	1,102
Consumption	—	1,092
Education	—	0
Mortgage housing	—	10
Household other	—	0
Microenterprise	—	1,646
+ Relationship
External customers	—	2,681
Management and staff	—	67
+ Methodology
Individual	—	2,748
Solidarity group	—	0
Village banking s h g	—	0
+ Gender
Male	—	1,382
Female	—	1,356
Legal entity	—	10
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	8,847,442	9,780,686
+ Delinquency
Less than one month	—	9,700,536
+ One month or more	—	78,551
From one to three months	—	24,260
+ More than three months	—	54,291
From three to six months	—	7,555
+ More than six months	—	46,736
From six to twelve months	—	39,918
One year or more	—	6,818
Renegotiated loans	—	1,599
+ Location
Urban	—	7,237,562
Rural	—	2,543,124
+ Products (credit)
Loans to corporations	—	0
Loans to financial institutions	—	0
Loans to governments	—	0
+ Retail loans	—	9,780,686
+ Household financing	—	3,527,172
Consumption	—	3,367,702
Education	—	0
Mortgage housing	—	159,470
Household other	—	0
Microenterprise	—	6,253,514
+ Relationship
External customers	—	9,548,757
Management and staff	—	231,929
+ Methodology
Individual	—	9,780,686
Solidarity group	—	0
Village banking s h g	—	0
+ Gender
Male	—	5,200,465
Female	—	4,389,352
Legal entity	—	190,869
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	—	3,559
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	—	—
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	3,529	3,559
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	164.12%	—
+ Number of depositorsNumber of depositors Number of depositors with any type of deposit account	—	0
+ Products (deposits)
Deposits from corporations	—	0
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	0
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	—	0
+ Products (deposits)
Deposits from corporations	—	0
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	0
+ DepositsDeposits Total value of all deposit accounts	—	0
+ Products (deposits)
Deposits from corporations	—	0
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	0
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	—	—
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita Average Deposit Balance per Depositor / GNI per Capita	—	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	—	—
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	—	—

Overall Financial Performance

Overall Financial Performance
MFI name	Credit Mongol	Credit Mongol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	—	5.97%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—	30.50%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—	130.31%

Revenues

Revenues
MFI name	Credit Mongol	Credit Mongol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—	28.34%
Profit marginProfit margin Net Operating Income / Financial Revenue	—	23.26%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—	36.99%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	Credit Mongol	Credit Mongol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	—	21.75%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—	9.69%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—	-1.21%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—	13.27%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—	7.45%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—	5.82%

Efficiency

Efficiency
MFI name	Credit Mongol	Credit Mongol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	—	16.74%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—	9.40%
Average salary/ GNI per capitaAverage salary/ GNI per capita Average Personnel Expense / GNI per capita	—	—
Cost per borrowerCost per borrower Operating Expense / Average Number of Active Borrowers	—	576
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	—	574

Productivity

Productivity
MFI name	Credit Mongol	Credit Mongol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	—	29
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	—	29
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	—	79
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	—	79
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	—	0
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	—	0
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	—	37.23%

Risk And Liquidity

Risk And Liquidity
MFI name	Credit Mongol	Credit Mongol
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-06-30	2011-12-31
As of date	2011-06-30	2011-12-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	—	0.82%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	—	0.57%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—	-1.53%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—	21.56%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—	17.40%

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