Comparative report | MIX Market

Compare Mikrofond 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
Mikrofond

	Mikrofond	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	5,865,000	5,409,153
Offices	9	8
Personnel	30	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
Mikrofond

	Mikrofond	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	30.35%	22.28%
Debt to equity ratio	2.29	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	84.51%	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
Mikrofond

	Mikrofond	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	1,302	7,997
Percent of women borrowers	38.71%	60.46%
Number of outstanding loans	1,334	8,293
Gross loan portfolio	4,956,429	3,661,739
Average loan balance per borrower	3,807	592
Average loan balance borrower per borrower / GNI per capita	83.12%	35.69%
Average outstanding balance	3,715	571
Average outstanding balance / GNI per capita	81.12%	34.39%
Number of depositors	—	641
Number of deposit accounts	—	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
Mikrofond

	Mikrofond	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	0.33%	2.10%
Return on equity	1.11%	9.72%
Operational self sufficiency	105.22%	112.26%

	Mikrofond	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	19.96%	25.27%
Profit margin	4.96%	11.04%
Yield on gross portfolio (nominal)	22.70%	30.77%
Yield on gross portfolio (real)	13.19%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
Mikrofond

	Mikrofond	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	18.97%	23.09%
Financial expense/ assets	7.00%	5.26%
Provision for loan impairment/ assets	-1.02%	1.13%
Operating expense/ assets	12.98%	14.51%
Personnel expense/ assets	10.05%	8.07%
Administrative expense/ assets	2.93%	6.41%

	Mikrofond	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	16.53%	19.22%
Personnel expense/ loan portfolio	12.80%	10.70%
Average salary/ GNI per capita	4.01	3.69
Cost per borrower	594	137
Cost per loan	569	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
Mikrofond

	Mikrofond	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	43	98
Loans per staff member	44	102
Borrowers per loan officer	72	245
Loans per loan officer	74	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	60.00%	44.80%

	Mikrofond	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	2.90%	3.59%
Portfolio at risk > 90 days	1.22%	2.03%
Write-off ratio	0.02%	0.36%
Loan loss rate	-2.18%	0.20%
Risk coverage	169.65%	75.73%
Non-earning liquid assets as a % of total assets	7.72%	11.99%

	Mikrofond	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	5,865,000	5,316,293
Cash and cash equivalents	452,857	721,678
Total trade and receivables	225,714	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	4,655,000	3,352,616
Gross loan portfolio	4,956,429	3,514,762
Impairment loss allowance	243,571	109,046
Unearned income and discount	57,857	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	—	4,126
Intangible assets other than goodwill	21,429	16,574
Net fixed assets	510,000	192,881
Liabilities and equity	5,865,000	5,293,138
Total liabilities	4,085,000	3,666,852
Deposits	0	414,688
Total borrowings	3,828,571	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	230,000	145,875
Provisions for employee benefits	—	20,617
Deferred revenue	—	4,052
Current tax liabilities	4,286	8,389
Deferred tax liabilities	22,143	0
Total equity	1,780,000	1,220,875
Paid in capital	1,853,571	434,291
Retained earnings total	-173,571	142,164
Share premium	—	0
Treasury shares	—	0
Donated equity total	—	156,609
Equity reserves	100,000	90,962
Other equity interest	—	0

	Mikrofond	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	1,302	8,019
Number of outstanding loans	1,334	8,456
Number of depositors	—	1,075
Number of deposit accounts	—	2,064

	Mikrofond	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	1,112,687	1,274,256
Interest and fee income	1,056,716	1,214,159
Revenue from interest	535,075	1,052,533
Interest income from loans	535,075	998,284
Financial revenue from investments	—	13,077
Other interest income	—	1,649
Fee and commission income	521,642	99,375
Fee income from loans	458,955	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	—	0
Other fee and commission income	62,687	2
Other operating income	9,701	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	30,597	0
Gains (losses) on disposals of property, plant and equipment	11,194	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	4,478	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	390,299	240,482
Interest and fee expense	390,299	261,158
Interest expense	364,925	249,861
Interest expense on borrowings	364,925	143,968
Interest expense on deposits	—	19,270
Interest expense on subordinated debt	—	0
Fee expense	25,373	984
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	19,403	0
Other fee and commission expense	5,970	67
Other financial expense	—	0
Net impairment loss, gross loan portfolio	-56,716	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	39,552	68,494
Recovery loan losses	96,269	1,857
Operating expense	723,881	858,343
Personnel expense	560,448	481,547
Depreciation expense	65,672	34,234
Administrative expense	97,761	338,218
Net operating income	55,224	82,657
Non operating income net	47,015	0
Net income before taxes and donations	102,239	87,893
Tax expense	36,567	3,988
Net income after taxes before donations	65,672	73,372
Donations	261,194	2,252
Net income after taxes and donations	326,866	105,419

	Mikrofond	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	39,552	68,757
Impairment loss recognised	39,552	72,579
Reversal of impairment loss	—	0
Other movements on impairment loss allowance	1,493	0
Exchange differences on impairment loss	—	0
Write offs	746	11,480

MIX Market

Mikrofond5

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