MIKROFIN4

MIKROFIN Banja Luka

Select i

Change MFI

Report Periodi

Report Typei

Report Type

Compare to Benchmarksi

Add MFIs
Add Countries
Add Regions
Add Peers
Please use this button to enable the changes you've made to your report settings.
Institutional Characteristics
Institutional Characteristics
MFI name MIKROFIN MIKROFIN
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Assets 126,739,735 127,693,656
OfficesOffices

Number, including head office

 		60 60
+ PersonnelPersonnel

Total number of staff members

 		253 247
119 —
Financing Structure
Financing Structure
MFI name MIKROFIN MIKROFIN
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

 		27.77% 27.98%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		2.60 2.57
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		0.00% —
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		0.00% —
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		81.39% 77.78%
Outreach Indicators
Outreach Indicators
MFI name MIKROFIN MIKROFIN
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
As of date 2011-12-31 2012-03-31
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

 		36,562 36,485
36,562 —
0 —
24,930 —
11,142 —
490 —
13,872 —
22,690 —
Percent of female borrowers 30.47% —
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		38,884 39,301
35,926 —
— —
1,084 —
— —
550 —
— —
0 —
0 —
1,324 —
16,047 —
22,837 —
0 —
0 —
0 —
38,884 —
21,062 —
16,308 —
0 —
4,754 —
0 —
17,822 —
38,884 —
0 —
38,884 —
0 —
0 —
26,774 —
11,606 —
504 —
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		103,158,278 99,314,474
93,154,212 89,135,337
3,943,709 4,802,302
2,419,868 —
1,523,841 —
1,523,841 —
0 —
0 —
0 —
6,060,715 5,376,835
44,673,510 —
58,484,768 —
0 —
0 —
0 —
103,158,278 —
35,094,702 —
15,750,331 —
0 —
19,344,371 —
0 —
68,063,576 —
103,158,278 —
0 —
103,158,278 —
0 —
0 —
70,701,325 —
6,694,040 —
25,762,914 —
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		2,821 2,722
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

 		— —
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

 		2,653 2,527
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

 		— —
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

 		0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
+ DepositsDeposits

Total value of all deposit accounts

 		0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

 		— —
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

 		— —
Overall Financial Performance
Overall Financial Performance
MFI name MIKROFIN MIKROFIN
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

 		1.13% -1.37%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		4.21% -4.93%
Operational self sufficiencyOperational self sufficiency

Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)

 		110.81% 91.68%
Revenues
Revenues
MFI name MIKROFIN MIKROFIN
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

 		15.70% 15.05%
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		9.75% -9.07%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		18.43% 17.57%
Yield on gross portfolio (real)Yield on gross portfolio (real)

(Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)

 		— —
Expenses
Expenses
MFI name MIKROFIN MIKROFIN
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Total expense/ assetsTotal expense/ assets

(Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets

 		14.17% 16.42%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		4.44% 4.36%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		2.63% 5.33%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		7.10% 6.74%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		3.86% 3.34%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		3.23% 3.39%
Efficiency
Efficiency
MFI name MIKROFIN MIKROFIN
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

 		8.48% 8.45%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		4.62% 4.19%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

 		— —
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

 		252 236
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		237 221
Productivity
Productivity
MFI name MIKROFIN MIKROFIN
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

 		145 148
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		154 159
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		239 245
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		254 264
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		0 —
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		0 —
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		60.47% 60.32%
Risk And Liquidity
Risk And Liquidity
MFI name MIKROFIN MIKROFIN
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
As of date 2011-12-31 2012-03-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

 		9.70% 10.25%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio

 		7.35% 5.41%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		3.61% 3.71%
Loan loss rateLoan loss rate

(Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio

 		2.82% 3.71%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		184.95% 63.33%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		8.13% 10.10%