Comparative report | MIX Market

Compare Maxima 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
Maxima

	Maxima	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	1,665,779	5,379,046
Offices	2	8
Personnel	36	77

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
Maxima

	Maxima	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	20.01%	22.28%
Debt to equity ratio	4.00	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	82.43%	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
Maxima

	Maxima	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	—	7,997
Percent of women borrowers	—	60.46%
Number of outstanding loans	—	8,293
Gross loan portfolio	1,373,074	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	0	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
Maxima

	Maxima	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	3.27%	2.10%
Return on equity	13.25%	9.72%
Operational self sufficiency	119.13%	112.24%

	Maxima	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	25.47%	25.27%
Profit margin	16.06%	11.03%
Yield on gross portfolio (nominal)	29.64%	30.77%
Yield on gross portfolio (real)	20.41%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
Maxima

	Maxima	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	21.38%	23.09%
Financial expense/ assets	3.44%	5.26%
Provision for loan impairment/ assets	0.14%	1.13%
Operating expense/ assets	17.79%	14.51%
Personnel expense/ assets	8.42%	8.07%
Administrative expense/ assets	9.37%	6.41%

	Maxima	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	21.11%	19.22%
Personnel expense/ loan portfolio	9.99%	10.70%
Average salary/ GNI per capita	6.60	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
Maxima

	Maxima	All
Number of MFIs	1	451
As of date	2008-12-31	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	61.11%	44.80%

	Maxima	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	0.25%	3.57%
Portfolio at risk > 90 days	—	2.00%
Write-off ratio	0.04%	0.36%
Loan loss rate	0.04%	0.20%
Risk coverage	23.27%	76.09%
Non-earning liquid assets as a % of total assets	13.45%	11.99%

	Maxima	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	1,665,779	5,293,138
Cash and cash equivalents	224,068	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	1,372,285	3,348,370
Gross loan portfolio	1,373,074	3,514,762
Impairment loss allowance	789	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	8,868	16,574
Net fixed assets	60,558	188,490
Liabilities and equity	1,665,779	5,288,312
Total liabilities	1,332,385	3,666,852
Deposits	0	408,913
Total borrowings	1,164,749	1,396,991
Subordinated debt	—	0
Other short term financial liabilities	133,000	4,040
Trade and other payables	26,984	150,045
Provisions for employee benefits	—	20,617
Deferred revenue	—	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	7,652	0
Total equity	333,394	1,220,875
Paid in capital	—	434,291
Retained earnings total	56,272	141,526
Share premium	270,000	0
Treasury shares	—	0
Donated equity total	—	156,609
Equity reserves	7,122	90,962
Other equity interest	—	0

	Maxima	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	—	8,009
Number of outstanding loans	—	8,456
Number of depositors	—	1,070
Number of deposit accounts	—	2,060

	Maxima	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	329,277	1,255,526
Interest and fee income	329,277	1,187,056
Revenue from interest	323,841	1,056,911
Interest income from loans	322,965	1,006,275
Financial revenue from investments	876	13,077
Other interest income	—	1,649
Fee and commission income	5,436	95,482
Fee income from loans	—	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	1,891	0
Other fee and commission income	3,545	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	44,465	240,482
Interest and fee expense	44,465	261,393
Interest expense	44,465	250,036
Interest expense on borrowings	43,128	143,038
Interest expense on deposits	1,337	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	1,870	52,097
Impairment loss (reversal of impairment loss), gross loan portfolio	1,870	67,068
Recovery loan losses	—	1,857
Operating expense	230,066	858,343
Personnel expense	108,869	481,282
Depreciation expense	16,185	34,136
Administrative expense	105,012	337,503
Net operating income	52,876	82,657
Non operating income net	—	0
Net income before taxes and donations	52,876	87,247
Tax expense	10,584	3,988
Net income after taxes before donations	42,292	73,372
Donations	—	2,252
Net income after taxes and donations	42,292	107,069

	Maxima	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	1,870	68,757
Impairment loss recognised	1,870	72,579
Reversal of impairment loss	0	0
Other movements on impairment loss allowance	-1,121	0
Exchange differences on impairment loss	0	0
Write offs	405	11,444

MIX Market

Maxima5

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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