Comparative report | MIX Market

Compare Ryada 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

Legend

All
Ryada

	Ryada	All
Number of MFIs	4	451
As of date	2008	2008
Currency	USD	USD
Total assets	11,263,684	5,409,153
Offices	5	8
Personnel	33	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
Ryada

	Ryada	All
Number of MFIs	2	451
As of date	2008	2008
Capital/asset ratio	89.11%	22.28%
Debt to equity ratio	0.12	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	97.54%	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
Ryada

	Ryada	All
Number of MFIs	8	451
As of date	2008	2008
Currency	USD	USD
Number of active borrowers	4,374	7,997
Percent of women borrowers	13.99%	60.46%
Number of outstanding loans	4,374	8,293
Gross loan portfolio	10,986,624	3,614,788
Average loan balance per borrower	2,512	592
Average loan balance borrower per borrower / GNI per capita	194.71%	35.69%
Average outstanding balance	2,512	571
Average outstanding balance / GNI per capita	194.71%	34.39%
Number of depositors	0	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
Ryada

	Ryada	All
Number of MFIs	2	451
As of date	2008	2008
	USD	USD
Return on assets	29.38%	2.10%
Return on equity	32.77%	9.72%
Operational self sufficiency	382.01%	112.26%

	Ryada	All
Number of MFIs	2	451
As of date	2008	2008
	USD	USD
Financial revenue/ assets	15.02%	25.27%
Profit margin	195.58%	11.04%
Yield on gross portfolio (nominal)	15.82%	30.77%
Yield on gross portfolio (real)	12.79%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
Ryada

	Ryada	All
Number of MFIs	2	451
As of date	2008	2008
	USD	USD
Total expense/ assets	3.93%	23.09%
Financial expense/ assets	—	5.26%
Provision for loan impairment/ assets	-5.80%	1.13%
Operating expense/ assets	9.73%	14.51%
Personnel expense/ assets	4.46%	8.07%
Administrative expense/ assets	5.27%	6.41%

	Ryada	All
Number of MFIs	2	451
As of date	2008	2008
	USD	USD
Operating expense/ loan portfolio	10.52%	19.22%
Personnel expense/ loan portfolio	4.82%	10.70%
Average salary/ GNI per capita	9.81	3.69
Cost per borrower	247	137
Cost per loan	247	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
Ryada

	Ryada	All
Number of MFIs	2	451
As of date	2008	2008
Borrowers per staff member	133	98
Loans per staff member	133	102
Borrowers per loan officer	243	245
Loans per loan officer	243	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	54.55%	44.80%

	Ryada	All
Number of MFIs	2	451
As of date	2008	2008
	USD	USD
Portfolio at risk > 30 days	11.41%	3.59%
Portfolio at risk > 90 days	7.45%	2.03%
Write-off ratio	1.47%	0.36%
Loan loss rate	-14.69%	0.20%
Risk coverage	38.00%	75.73%
Non-earning liquid assets as a % of total assets	5.20%	11.99%

	Ryada	All
Number of MFIs	2	451
As of date	2008	2008
Currency	USD	USD
Total assets	11,263,684	5,316,293
Cash and cash equivalents	585,333	726,418
Total trade and receivables	168,095	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	10,510,256	3,352,616
Gross loan portfolio	10,986,624	3,548,055
Impairment loss allowance	975,545	111,590
Unearned income and discount	0	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	—	191,808
Liabilities and equity	11,263,683	5,293,138
Total liabilities	1,226,898	3,667,710
Deposits	0	414,688
Total borrowings	200,000	1,396,991
Subordinated debt	500,000	0
Other short term financial liabilities	0	4,040
Trade and other payables	190,736	150,045
Provisions for employee benefits	327,768	20,617
Deferred revenue	0	4,052
Current tax liabilities	8,394	8,389
Deferred tax liabilities	0	0
Total equity	10,036,785	1,220,875
Paid in capital	—	432,158
Retained earnings total	3,030,531	141,526
Share premium	—	0
Treasury shares	—	0
Donated equity total	7,006,254	156,609
Equity reserves	—	90,962
Other equity interest	—	0

	Ryada	All
Number of MFIs	2	451
As of date	2008	2008
Number of active borrowers	4,374	8,019
Number of outstanding loans	4,374	8,456
Number of depositors	0	1,075
Number of deposit accounts	—	2,064

	Ryada	All
Number of MFIs	1	451
Start date	2007-10-01	2008
As of date	2008-09-30	2008
Currency	USD	USD
Operating income	1,427,969	1,274,256
Interest and fee income	1,417,462	1,212,336
Revenue from interest	1,226,779	1,054,993
Interest income from loans	1,200,735	998,284
Financial revenue from investments	26,044	13,077
Other interest income	—	1,649
Fee and commission income	190,683	96,904
Fee income from loans	104,609	58,055
Income from penalty fees	86,074	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	10,402	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	105	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	0	240,482
Interest and fee expense	0	261,393
Interest expense	0	250,036
Interest expense on borrowings	—	143,038
Interest expense on deposits	—	19,270
Interest expense on subordinated debt	—	0
Fee expense	0	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	-551,607	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	869,439	67,799
Recovery loan losses	1,421,046	1,857
Operating expense	925,413	859,507
Personnel expense	423,988	481,282
Depreciation expense	0	34,214
Administrative expense	501,425	338,218
Net operating income	2,792,831	82,728
Non operating income net	0	0
Net income before taxes and donations	2,792,831	87,247
Tax expense	0	3,988
Net income after taxes before donations	2,792,831	73,372
Donations	237,700	2,252
Net income after taxes and donations	3,030,531	107,069

	Ryada	All
Number of MFIs	1	451
Start date	2007-10-01	2008
As of date	2008-09-30	2008
Currency	USD	USD
Impairment loss (reversal of impairment loss), gross loan portfolio	869,439	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	128,915	11,480

MIX Market

Ryada4Ryada - CHF International

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