Comparative report | MIX Market

Compare HKL 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

	HKL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	36,065,096	5,379,046
Offices	45	8
Personnel	433	77

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

	HKL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	18.85%	22.28%
Debt to equity ratio	4.31	3.14
Deposits to loans	4.11%	17.93%
Deposits to total assets	3.31%	12.36%
Gross loan portfolio to total assets	80.55%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

	HKL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	44,467	7,997
Percent of women borrowers	78.93%	60.46%
Number of outstanding loans	44,467	8,293
Gross loan portfolio	29,050,403	3,577,439
Average loan balance per borrower	653	592
Average loan balance borrower per borrower / GNI per capita	118.78%	35.69%
Average outstanding balance	653	571
Average outstanding balance / GNI per capita	118.78%	34.39%
Number of depositors	48,852	641
Number of deposit accounts	48,852	1,728
Deposits	1,194,239	364,182
Average deposit balance per depositor	24	168
Average deposit balance per depositor / GNI per capita	4.00%	15.00%
Average deposit account balance	24	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

	HKL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	6.86%	2.10%
Return on equity	39.72%	9.72%
Operational self sufficiency	149.93%	112.24%

	HKL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	26.00%	25.27%
Profit margin	33.30%	11.03%
Yield on gross portfolio (nominal)	30.96%	30.77%
Yield on gross portfolio (real)	21.63%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

	HKL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	17.34%	23.09%
Financial expense/ assets	7.55%	5.26%
Provision for loan impairment/ assets	0.18%	1.13%
Operating expense/ assets	9.61%	14.51%
Personnel expense/ assets	5.54%	8.07%
Administrative expense/ assets	4.07%	6.41%

	HKL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	11.66%	19.22%
Personnel expense/ loan portfolio	6.73%	10.70%
Average salary/ GNI per capita	7.76	3.69
Cost per borrower	74	137
Cost per loan	74	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

	HKL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	103	98
Loans per staff member	103	102
Borrowers per loan officer	212	245
Loans per loan officer	212	252
Depositors per staff member	113	40
Deposit accounts per staff member	113	53
Personnel allocation ratio	48.50%	44.80%

	HKL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	0.27%	3.57%
Portfolio at risk > 90 days	0.12%	2.00%
Write-off ratio	0.07%	0.36%
Loan loss rate	-0.03%	0.20%
Risk coverage	260.18%	76.09%
Non-earning liquid assets as a % of total assets	16.67%	11.99%

	HKL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	36,065,096	5,293,138
Cash and cash equivalents	6,013,239	721,678
Total trade and receivables	575,914	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	28,847,051	3,348,370
Gross loan portfolio	29,050,403	3,514,762
Impairment loss allowance	203,352	109,113
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	46,032	0
Inventories	—	4,126
Intangible assets other than goodwill	18,219	16,574
Net fixed assets	564,641	188,490
Liabilities and equity	36,065,096	5,288,312
Total liabilities	29,268,525	3,666,852
Deposits	1,194,239	408,913
Total borrowings	20,123,145	1,396,991
Subordinated debt	729,319	0
Other short term financial liabilities	—	4,040
Trade and other payables	6,430,364	150,045
Provisions for employee benefits	304,824	20,617
Deferred revenue	60,184	4,052
Current tax liabilities	426,450	8,389
Deferred tax liabilities	—	0
Total equity	6,796,571	1,220,875
Paid in capital	2,716,800	434,291
Retained earnings total	2,553,352	141,526
Share premium	1,445,955	0
Treasury shares	—	0
Donated equity total	—	156,609
Equity reserves	80,464	90,962
Other equity interest	—	0

	HKL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	44,467	8,009
Number of outstanding loans	44,467	8,456
Number of depositors	48,852	1,070
Number of deposit accounts	48,852	2,060

	HKL	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	6,815,125	1,255,526
Interest and fee income	6,717,300	1,187,056
Revenue from interest	6,717,300	1,056,911
Interest income from loans	6,689,850	1,006,275
Financial revenue from investments	27,450	13,077
Other interest income	—	1,649
Fee and commission income	—	95,482
Fee income from loans	—	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	80,818	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	17,007	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	1,979,465	240,482
Interest and fee expense	1,979,465	261,393
Interest expense	1,979,465	250,036
Interest expense on borrowings	1,969,897	143,038
Interest expense on deposits	9,568	19,270
Interest expense on subordinated debt	—	0
Fee expense	—	984
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	47,034	52,097
Impairment loss (reversal of impairment loss), gross loan portfolio	68,353	67,068
Recovery loan losses	21,319	1,857
Operating expense	2,519,168	858,343
Personnel expense	1,453,369	481,282
Depreciation expense	198,953	34,136
Administrative expense	866,846	337,503
Net operating income	2,269,458	82,657
Non operating income net	—	0
Net income before taxes and donations	2,269,458	87,247
Tax expense	472,201	3,988
Net income after taxes before donations	1,797,257	73,372
Donations	66,431	2,252
Net income after taxes and donations	1,863,688	107,069

	HKL	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	68,353	68,757
Impairment loss recognised	68,353	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	15,175	11,444

MIX Market

HKL5Hattha Kaksekar Ltd.

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