Comparative report | MIX Market

Compare CREDIT 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

Legend

All
CREDIT

	CREDIT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	20,665,049	5,409,153
Offices	28	8
Personnel	390	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
CREDIT

	CREDIT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	22.69%	22.30%
Debt to equity ratio	3.41	3.14
Deposits to loans	4.53%	17.87%
Deposits to total assets	4.18%	12.35%
Gross loan portfolio to total assets	92.23%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

All
CREDIT

	CREDIT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	33,887	7,997
Percent of women borrowers	94.64%	60.46%
Number of outstanding loans	33,887	8,293
Gross loan portfolio	19,060,212	3,683,738
Average loan balance per borrower	562	592
Average loan balance borrower per borrower / GNI per capita	102.27%	35.69%
Average outstanding balance	562	571
Average outstanding balance / GNI per capita	102.27%	34.39%
Number of depositors	3,246	641
Number of deposit accounts	3,246	1,728
Deposits	863,484	376,783
Average deposit balance per depositor	266	168
Average deposit balance per depositor / GNI per capita	48.00%	15.00%
Average deposit account balance	266	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
CREDIT

	CREDIT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	5.59%	2.10%
Return on equity	22.41%	9.72%
Operational self sufficiency	132.91%	112.24%

	CREDIT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	27.81%	25.27%
Profit margin	24.76%	11.03%
Yield on gross portfolio (nominal)	30.28%	30.77%
Yield on gross portfolio (real)	21.00%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
CREDIT

	CREDIT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	20.93%	23.09%
Financial expense/ assets	7.32%	5.26%
Provision for loan impairment/ assets	0.00%	1.13%
Operating expense/ assets	13.61%	14.51%
Personnel expense/ assets	8.94%	8.07%
Administrative expense/ assets	4.67%	6.41%

	CREDIT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	14.87%	19.22%
Personnel expense/ loan portfolio	9.77%	10.70%
Average salary/ GNI per capita	8.51	3.69
Cost per borrower	84	137
Cost per loan	84	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
CREDIT

	CREDIT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	87	98
Loans per staff member	87	102
Borrowers per loan officer	220	245
Loans per loan officer	220	252
Depositors per staff member	8	40
Deposit accounts per staff member	8	53
Personnel allocation ratio	39.49%	44.80%

	CREDIT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	0.32%	3.59%
Portfolio at risk > 90 days	0.14%	2.03%
Write-off ratio	0.04%	0.36%
Loan loss rate	0.04%	0.20%
Risk coverage	133.90%	75.73%
Non-earning liquid assets as a % of total assets	4.39%	12.01%

	CREDIT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	20,665,049	5,316,293
Cash and cash equivalents	907,402	726,418
Total trade and receivables	414,092	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	18,979,470	3,352,616
Gross loan portfolio	19,060,212	3,514,762
Impairment loss allowance	80,742	111,693
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	44,802	0
Inventories	—	4,126
Intangible assets other than goodwill	47,344	16,574
Net fixed assets	271,939	194,348
Liabilities and equity	20,665,049	5,293,138
Total liabilities	15,975,237	3,667,710
Deposits	863,484	414,688
Total borrowings	13,985,045	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	775,284	147,016
Provisions for employee benefits	—	20,617
Deferred revenue	140,898	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	210,526	0
Total equity	4,689,812	1,221,785
Paid in capital	750,000	434,291
Retained earnings total	1,942,513	142,164
Share premium	750,000	0
Treasury shares	—	0
Donated equity total	1,997,299	156,609
Equity reserves	—	90,962
Other equity interest	—	0

	CREDIT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	33,887	8,019
Number of outstanding loans	33,887	8,456
Number of depositors	3,246	1,075
Number of deposit accounts	3,246	2,064

	CREDIT	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	4,460,612	1,274,256
Interest and fee income	4,453,307	1,214,159
Revenue from interest	4,422,754	1,052,533
Interest income from loans	4,415,684	1,006,275
Financial revenue from investments	7,070	13,077
Other interest income	—	1,649
Fee and commission income	30,553	99,115
Fee income from loans	—	58,341
Income from penalty fees	30,553	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	7,305	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	—	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	1,173,636	244,969
Interest and fee expense	1,173,636	261,158
Interest expense	1,173,636	250,210
Interest expense on borrowings	1,076,761	144,062
Interest expense on deposits	96,875	19,622
Interest expense on subordinated debt	—	0
Fee expense	0	1,018
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	—	0
Other fee and commission expense	—	67
Other financial expense	—	0
Net impairment loss, gross loan portfolio	-632	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	0	68,636
Recovery loan losses	632	1,921
Operating expense	2,183,206	859,273
Personnel expense	1,433,808	482,694
Depreciation expense	121,499	34,247
Administrative expense	627,899	338,218
Net operating income	1,104,402	82,728
Non operating income net	0	0
Net income before taxes and donations	1,104,402	87,893
Tax expense	208,175	4,006
Net income after taxes before donations	896,227	73,372
Donations	79,115	2,365
Net income after taxes and donations	975,342	106,932

	CREDIT	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	0	68,878
Impairment loss recognised	0	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	5,836	11,480

MIX Market

CREDIT5CREDIT MFI

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