Comparative report | MIX Market

Compare FRAC 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
FRAC

	FRAC	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	4,800,533	5,409,153
Offices	17	8
Personnel	133	77

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
FRAC

	FRAC	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	39.16%	22.28%
Debt to equity ratio	1.55	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	90.26%	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
FRAC

	FRAC	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	12,604	7,997
Percent of women borrowers	82.00%	60.46%
Number of outstanding loans	12,604	8,293
Gross loan portfolio	4,333,075	3,614,788
Average loan balance per borrower	344	592
Average loan balance borrower per borrower / GNI per capita	3.66%	35.69%
Average outstanding balance	344	571
Average outstanding balance / GNI per capita	3.66%	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)

Legend

All
FRAC

	FRAC	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	0.62%	2.10%
Return on equity	1.53%	9.72%
Operational self sufficiency	101.13%	112.24%

	FRAC	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	56.10%	25.27%
Profit margin	1.11%	11.03%
Yield on gross portfolio (nominal)	61.58%	30.77%
Yield on gross portfolio (real)	55.41%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
FRAC

	FRAC	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	55.47%	23.09%
Financial expense/ assets	7.73%	5.26%
Provision for loan impairment/ assets	3.42%	1.13%
Operating expense/ assets	44.32%	14.51%
Personnel expense/ assets	33.45%	8.07%
Administrative expense/ assets	10.88%	6.41%

	FRAC	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	48.97%	19.22%
Personnel expense/ loan portfolio	36.95%	10.70%
Average salary/ GNI per capita	1.51	3.69
Cost per borrower	185	137
Cost per loan	185	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
FRAC

	FRAC	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	95	98
Loans per staff member	95	102
Borrowers per loan officer	200	245
Loans per loan officer	200	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	47.37%	44.80%

	FRAC	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	2.83%	3.57%
Portfolio at risk > 90 days	2.15%	2.00%
Write-off ratio	2.49%	0.36%
Loan loss rate	2.38%	0.20%
Risk coverage	87.11%	76.09%
Non-earning liquid assets as a % of total assets	8.21%	11.99%

	FRAC	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	4,800,533	5,316,293
Cash and cash equivalents	394,189	721,678
Total trade and receivables	31,880	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	4,226,225	3,352,616
Gross loan portfolio	4,333,075	3,514,762
Impairment loss allowance	106,850	111,590
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	0	0
Inventories	—	4,126
Intangible assets other than goodwill	—	16,574
Net fixed assets	148,238	191,808
Liabilities and equity	4,800,533	5,293,138
Total liabilities	2,920,455	3,666,852
Deposits	0	414,688
Total borrowings	2,729,030	1,390,424
Subordinated debt	0	0
Other short term financial liabilities	—	4,040
Trade and other payables	191,424	147,016
Provisions for employee benefits	—	20,617
Deferred revenue	0	4,052
Current tax liabilities	0	8,389
Deferred tax liabilities	0	0
Total equity	1,880,078	1,177,566
Paid in capital	698,626	432,158
Retained earnings total	1,170,606	141,526
Share premium	0	0
Treasury shares	—	0
Donated equity total	10,846	156,609
Equity reserves	0	90,962
Other equity interest	0	0

	FRAC	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	12,604	8,019
Number of outstanding loans	12,604	8,456
Number of depositors	—	1,075
Number of deposit accounts	—	2,064

	FRAC	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	2,781,584	1,272,266
Interest and fee income	2,849,749	1,212,336
Revenue from interest	2,731,987	1,054,993
Interest income from loans	2,703,028	998,284
Financial revenue from investments	28,959	13,077
Other interest income	—	1,649
Fee and commission income	117,763	96,904
Fee income from loans	60,967	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	56,796	0
Other fee and commission income	—	2
Other operating income	—	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	-68,166	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	383,335	240,482
Interest and fee expense	383,335	261,393
Interest expense	333,039	250,036
Interest expense on borrowings	333,039	143,479
Interest expense on deposits	0	19,270
Interest expense on subordinated debt	—	0
Fee expense	50,296	984
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	0	0
Other fee and commission expense	50,296	67
Other financial expense	—	0
Net impairment loss, gross loan portfolio	169,510	52,251
Impairment loss (reversal of impairment loss), gross loan portfolio	174,524	67,799
Recovery loan losses	5,014	1,857
Operating expense	2,197,778	858,343
Personnel expense	1,658,446	481,282
Depreciation expense	67,526	34,214
Administrative expense	471,806	338,218
Net operating income	30,960	82,657
Non operating income net	-181,415	0
Net income before taxes and donations	-150,455	87,247
Tax expense	0	3,988
Net income after taxes before donations	-150,455	70,639
Donations	358,395	2,252
Net income after taxes and donations	207,940	106,932

	FRAC	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	174,524	68,757
Impairment loss recognised	—	72,579
Reversal of impairment loss	—	0
Other movements on impairment loss allowance	—	0
Exchange differences on impairment loss	—	0
Write offs	111,636	11,444

MIX Market

FRAC5Fundación Realidad, A.C.

1. Choose data set

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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