Comparative report | MIX Market

Compare LAPO-NGR 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
LAPO-NGR

	LAPO-NGR	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	39,717,151	5,409,153
Offices	171	8
Personnel	1,639	77

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
LAPO-NGR

	LAPO-NGR	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	20.88%	22.28%
Debt to equity ratio	3.79	3.14
Deposits to loans	59.65%	17.93%
Deposits to total assets	39.34%	12.36%
Gross loan portfolio to total assets	65.96%	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
LAPO-NGR

	LAPO-NGR	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	200,115	7,997
Percent of women borrowers	98.00%	60.46%
Number of outstanding loans	200,115	8,293
Gross loan portfolio	26,197,673	3,614,788
Average loan balance per borrower	131	592
Average loan balance borrower per borrower / GNI per capita	14.23%	35.69%
Average outstanding balance	131	571
Average outstanding balance / GNI per capita	14.23%	34.39%
Number of depositors	245,144	641
Number of deposit accounts	245,144	1,728
Deposits	15,626,063	376,783
Average deposit balance per depositor	64	168
Average deposit balance per depositor / GNI per capita	7.00%	15.00%
Average deposit account balance	64	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
LAPO-NGR

	LAPO-NGR	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	14.70%	2.10%
Return on equity	73.67%	9.72%
Operational self sufficiency	138.99%	112.24%

	LAPO-NGR	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	52.39%	25.27%
Profit margin	28.05%	11.03%
Yield on gross portfolio (nominal)	82.77%	30.77%
Yield on gross portfolio (real)	73.44%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
LAPO-NGR

	LAPO-NGR	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	37.70%	23.09%
Financial expense/ assets	7.03%	5.26%
Provision for loan impairment/ assets	0.86%	1.13%
Operating expense/ assets	29.81%	14.51%
Personnel expense/ assets	17.59%	8.07%
Administrative expense/ assets	12.23%	6.41%

	LAPO-NGR	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	46.92%	19.22%
Personnel expense/ loan portfolio	27.68%	10.70%
Average salary/ GNI per capita	4.83	3.69
Cost per borrower	61	137
Cost per loan	61	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
LAPO-NGR

	LAPO-NGR	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	122	98
Loans per staff member	122	102
Borrowers per loan officer	226	245
Loans per loan officer	226	252
Depositors per staff member	150	40
Deposit accounts per staff member	150	53
Personnel allocation ratio	54.12%	44.80%

	LAPO-NGR	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	1.33%	3.57%
Portfolio at risk > 90 days	0.65%	2.00%
Write-off ratio	0.26%	0.36%
Loan loss rate	0.24%	0.20%
Risk coverage	141.15%	76.09%
Non-earning liquid assets as a % of total assets	22.59%	11.99%

	LAPO-NGR	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	39,717,151	5,316,293
Cash and cash equivalents	8,973,147	721,678
Total trade and receivables	2,343,721	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	25,706,215	3,352,616
Gross loan portfolio	26,197,673	3,514,762
Impairment loss allowance	491,458	111,590
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	136,561	0
Inventories	9,643	4,126
Intangible assets other than goodwill	—	16,574
Net fixed assets	2,134,261	191,808
Liabilities and equity	39,717,151	5,293,138
Total liabilities	31,423,122	3,666,852
Deposits	15,626,063	414,688
Total borrowings	15,336,221	1,390,424
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	460,838	147,016
Provisions for employee benefits	—	20,617
Deferred revenue	—	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	8,294,029	1,177,566
Paid in capital	—	432,158
Retained earnings total	7,351,489	141,526
Share premium	—	0
Treasury shares	—	0
Donated equity total	942,540	156,609
Equity reserves	—	90,962
Other equity interest	—	0

	LAPO-NGR	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	200,115	8,019
Number of outstanding loans	200,115	8,456
Number of depositors	245,144	1,075
Number of deposit accounts	245,144	2,064

	LAPO-NGR	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	17,583,049	1,272,266
Interest and fee income	17,714,981	1,212,336
Revenue from interest	15,626,270	1,054,993
Interest income from loans	15,561,173	998,284
Financial revenue from investments	64,630	13,077
Other interest income	468	1,649
Fee and commission income	2,088,712	96,904
Fee income from loans	2,088,712	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	277,649	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	-411,812	0
Gains (losses) on disposals of property, plant and equipment	2,231	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	2,358,020	240,482
Interest and fee expense	2,358,020	261,393
Interest expense	2,358,020	250,036
Interest expense on borrowings	1,816,166	143,479
Interest expense on deposits	541,854	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	287,007	52,251
Impairment loss (reversal of impairment loss), gross loan portfolio	289,548	67,799
Recovery loan losses	2,541	1,857
Operating expense	10,005,519	858,343
Personnel expense	5,902,827	481,282
Depreciation expense	405,873	34,214
Administrative expense	3,696,818	338,218
Net operating income	4,932,503	82,657
Non operating income net	—	0
Net income before taxes and donations	4,932,503	87,247
Tax expense	—	3,988
Net income after taxes before donations	4,932,503	70,639
Donations	—	2,252
Net income after taxes and donations	4,932,503	106,932

	LAPO-NGR	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	289,548	68,757
Impairment loss recognised	289,548	72,579
Reversal of impairment loss	—	0
Other movements on impairment loss allowance	289,548	0
Exchange differences on impairment loss	—	0
Write offs	54,603	11,444

MIX Market

LAPO-NGR5Lift Above Poverty Organisation

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