Comparative report | MIX Market

Compare IMF HOPE RDC 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.

1. Choose data set

Country

Offices

Total assets

Personnel

Legend

	All
Number of MFIs	451
As of date	2008
Currency	USD
Total assets	5,379,046
Offices	8
Personnel	77

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

	All
Number of MFIs	451
As of date	2008
Capital/asset ratio	22.28%
Debt to equity ratio	3.14
Deposits to loans	17.93%
Deposits to total assets	12.36%
Gross loan portfolio to total assets	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
Number of MFIs	451
As of date	2008
Currency	USD
Number of active borrowers	7,997
Percent of women borrowers	60.46%
Number of outstanding loans	8,293
Gross loan portfolio	3,577,439
Average loan balance per borrower	592
Average loan balance borrower per borrower / GNI per capita	35.69%
Average outstanding balance	571
Average outstanding balance / GNI per capita	34.39%
Number of depositors	641
Number of deposit accounts	1,728
Deposits	364,182
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
Number of MFIs	451
As of date	2008
	USD
Return on assets	2.10%
Return on equity	9.72%
Operational self sufficiency	112.24%

	All
Number of MFIs	451
As of date	2008
	USD
Financial revenue/ assets	25.27%
Profit margin	11.03%
Yield on gross portfolio (nominal)	30.77%
Yield on gross portfolio (real)	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

	All
Number of MFIs	451
As of date	2008
	USD
Total expense/ assets	23.09%
Financial expense/ assets	5.26%
Provision for loan impairment/ assets	1.13%
Operating expense/ assets	14.51%
Personnel expense/ assets	8.07%
Administrative expense/ assets	6.41%

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

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

	All
Number of MFIs	451
As of date	2008
Borrowers per staff member	98
Loans per staff member	102
Borrowers per loan officer	245
Loans per loan officer	252
Depositors per staff member	40
Deposit accounts per staff member	53
Personnel allocation ratio	44.80%

	All
Number of MFIs	451
As of date	2008
	USD
Portfolio at risk > 30 days	3.57%
Portfolio at risk > 90 days	2.00%
Write-off ratio	0.36%
Loan loss rate	0.20%
Risk coverage	76.09%
Non-earning liquid assets as a % of total assets	11.99%

	All
Number of MFIs	451
As of date	2008
Currency	USD
Total assets	5,293,138
Cash and cash equivalents	721,678
Total trade and receivables	171,459
Financial assets at fair value	0
Financial assets available for sale	0
Other investments	0
Net loan portfolio	3,348,370
Gross loan portfolio	3,514,762
Impairment loss allowance	109,113
Unearned income and discount	0
Finance lease	0
Current tax assets	0
Deferred tax assets	0
Inventories	4,126
Intangible assets other than goodwill	16,574
Net fixed assets	188,490
Liabilities and equity	5,288,312
Total liabilities	3,666,852
Deposits	408,913
Total borrowings	1,396,991
Subordinated debt	0
Other short term financial liabilities	4,040
Trade and other payables	150,045
Provisions for employee benefits	20,617
Deferred revenue	4,052
Current tax liabilities	8,389
Deferred tax liabilities	0
Total equity	1,220,875
Paid in capital	434,291
Retained earnings total	141,526
Share premium	0
Treasury shares	0
Donated equity total	156,609
Equity reserves	90,962
Other equity interest	0

	All
Number of MFIs	451
As of date	2008
Number of active borrowers	8,009
Number of outstanding loans	8,456
Number of depositors	1,070
Number of deposit accounts	2,060

	All
Number of MFIs	451
Start date	2008
As of date	2008
Currency	USD
Operating income	1,255,526
Interest and fee income	1,187,056
Revenue from interest	1,056,911
Interest income from loans	1,006,275
Financial revenue from investments	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	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	240,482
Interest and fee expense	261,393
Interest expense	250,036
Interest expense on borrowings	143,038
Interest expense on deposits	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	52,097
Impairment loss (reversal of impairment loss), gross loan portfolio	67,068
Recovery loan losses	1,857
Operating expense	858,343
Personnel expense	481,282
Depreciation expense	34,136
Administrative expense	337,503
Net operating income	82,657
Non operating income net	0
Net income before taxes and donations	87,247
Tax expense	3,988
Net income after taxes before donations	73,372
Donations	2,252
Net income after taxes and donations	107,069

	All
Number of MFIs	451
Start date	2008
As of date	2008
Currency	USD
Impairment loss (reversal of impairment loss), gross loan portfolio	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	11,444

MIX Market

IMF HOPE RDC4

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