Comparative report | MIX Market

Compare HOPE 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
HOPE

	HOPE	All
Number of MFIs	4	451
As of date	2008	2008
Currency	USD	USD
Total assets	3,330,175	5,409,153
Offices	32	8
Personnel	93	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
HOPE

	HOPE	All
Number of MFIs	2	451
As of date	2008	2008
Capital/asset ratio	47.26%	22.28%
Debt to equity ratio	1.26	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	81.32%	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
HOPE

	HOPE	All
Number of MFIs	8	451
As of date	2008	2008
Currency	USD	USD
Number of active borrowers	3,423	7,997
Percent of women borrowers	69.56%	60.46%
Number of outstanding loans	4,584	8,293
Gross loan portfolio	2,725,945	3,661,739
Average loan balance per borrower	794	592
Average loan balance borrower per borrower / GNI per capita	31.00%	35.69%
Average outstanding balance	595	571
Average outstanding balance / GNI per capita	23.23%	34.39%
Number of depositors	0	641
Number of deposit accounts	0	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
HOPE

	HOPE	All
Number of MFIs	2	451
As of date	2008	2008
	USD	USD
Return on assets	-8.41%	2.10%
Return on equity	-17.81%	9.72%
Operational self sufficiency	80.36%	112.26%

	HOPE	All
Number of MFIs	2	451
As of date	2008	2008
	USD	USD
Financial revenue/ assets	27.52%	25.27%
Profit margin	-39.97%	11.04%
Yield on gross portfolio (nominal)	45.91%	30.77%
Yield on gross portfolio (real)	29.31%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
HOPE

	HOPE	All
Number of MFIs	2	451
As of date	2008	2008
	USD	USD
Total expense/ assets	35.43%	23.09%
Financial expense/ assets	2.86%	5.26%
Provision for loan impairment/ assets	1.51%	1.13%
Operating expense/ assets	31.06%	14.51%
Personnel expense/ assets	17.18%	8.07%
Administrative expense/ assets	13.88%	6.41%

	HOPE	All
Number of MFIs	2	451
As of date	2008	2008
	USD	USD
Operating expense/ loan portfolio	36.86%	19.22%
Personnel expense/ loan portfolio	20.30%	10.70%
Average salary/ GNI per capita	2.46	3.69
Cost per borrower	290	137
Cost per loan	234	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
HOPE

	HOPE	All
Number of MFIs	2	451
As of date	2008	2008
Borrowers per staff member	37	98
Loans per staff member	49	102
Borrowers per loan officer	104	245
Loans per loan officer	139	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	35.55%	44.80%

	HOPE	All
Number of MFIs	2	451
As of date	2008	2008
	USD	USD
Portfolio at risk > 30 days	5.84%	3.59%
Portfolio at risk > 90 days	3.41%	2.03%
Write-off ratio	0.13%	0.36%
Loan loss rate	0.13%	0.20%
Risk coverage	18.61%	75.73%
Non-earning liquid assets as a % of total assets	16.94%	11.99%

	HOPE	All
Number of MFIs	2	451
As of date	2008	2008
Currency	USD	USD
Total assets	3,330,175	5,316,293
Cash and cash equivalents	550,160	721,678
Total trade and receivables	45,070	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	0	0
Net loan portfolio	2,693,551	3,352,616
Gross loan portfolio	2,725,945	3,514,762
Impairment loss allowance	32,394	109,046
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	24,968	0
Inventories	—	4,126
Intangible assets other than goodwill	—	16,574
Net fixed assets	28,910	192,881
Liabilities and equity	3,330,175	5,293,138
Total liabilities	1,721,747	3,666,852
Deposits	0	414,688
Total borrowings	1,711,312	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	10,435	145,875
Provisions for employee benefits	—	20,617
Deferred revenue	—	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	1,608,428	1,220,875
Paid in capital	737,516	434,291
Retained earnings total	31,480	142,164
Share premium	—	0
Treasury shares	—	0
Donated equity total	1,678,021	156,609
Equity reserves	0	90,962
Other equity interest	843	0

	HOPE	All
Number of MFIs	2	451
As of date	2008	2008
Number of active borrowers	3,423	8,019
Number of outstanding loans	4,584	8,456
Number of depositors	—	1,075
Number of deposit accounts	—	2,064

	HOPE	All
Number of MFIs	2	451
Start date	2008	2008
As of date	2008	2008
Currency	USD	USD
Operating income	913,040	1,274,256
Interest and fee income	1,284,113	1,214,159
Revenue from interest	1,276,833	1,052,533
Interest income from loans	1,274,322	998,284
Financial revenue from investments	41	13,077
Other interest income	4,981	1,649
Fee and commission income	7,280	99,375
Fee income from loans	0	58,055
Income from penalty fees	14,559	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	287	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	-742,720	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	95,078	240,482
Interest and fee expense	69,923	261,158
Interest expense	139,847	249,861
Interest expense on borrowings	139,847	143,968
Interest expense on deposits	—	19,270
Interest expense on subordinated debt	—	0
Fee expense	0	984
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	—	0
Other fee and commission expense	—	67
Other financial expense	50,309	0
Net impairment loss, gross loan portfolio	50,200	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	50,200	68,494
Recovery loan losses	0	1,857
Operating expense	1,031,335	858,343
Personnel expense	570,301	481,547
Depreciation expense	18,601	34,234
Administrative expense	451,734	338,218
Net operating income	-263,573	82,657
Non operating income net	-191,147	0
Net income before taxes and donations	-454,721	87,893
Tax expense	33,171	3,988
Net income after taxes before donations	-471,306	73,372
Donations	24,487	2,252
Net income after taxes and donations	-459,063	105,419

	HOPE	All
Number of MFIs	4	451
Start date	2008	2008
As of date	2008	2008
Currency	USD	USD
Impairment loss (reversal of impairment loss), gross loan portfolio	50,200	68,757
Impairment loss recognised	93,103	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	3,649	11,480

MIX Market

HOPE4HOPE Ukraine

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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