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Ryada4Ryada - CHF International

Indicators
Currency
Years
  • Total assets
  • Gross loan portfolio
  • Total equity

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
Currency USD USD USD USD USD
Total assets 6,927,972 9,679,696 8,369,732 7,750,734 11,263,684
Offices 5 8 8 6 5
Personnel 12 34 26 34 33

Financing Structure

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
Capital/asset ratio 93.43% 91.89% 90.18% 90.39% 89.11%
Debt to equity ratio 0.07 0.09 0.11 0.11 0.12
Deposits to loans — — — 0.00% 0.00%
Deposits to total assets — — — 0.00% 0.00%
Gross loan portfolio to total assets 91.55% 92.34% 117.97% 85.19% 97.54%

Outreach

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
Currency USD USD USD USD USD
+ Number of active borrowers 3,130 3,738 4,150 3,126 4,374
— — — — — 4,374
— — — — — 4,374
— — — — — 0
— — — — — 4,374
— — — — — 3,762
— 386 486 540 500 612
— — — — — 4,374
Percent of women borrowers 12.33% 13.00% 13.01% 15.99% 13.99%
+ Number of outstanding loans — — — 3,126 4,374
— — — — — 4,374
— — — — 1,749 3,741
— — — — — —
— — — — 276 195
— — — — — —
— — — — 337 116
— — — — — —
— — — — 764 272
— — — — 0 —
— — — — 0 50
— — — — — 3,762
— — — — — 612
— — — — — 4,374
— — — — — 4,374
— — — — — 0
— — — — — 4,374
+ Gross loan portfolio 6,342,718 8,938,648 9,873,703 6,603,142 10,986,624
— — — — — 10,986,624
— — — — 3,529,060 9,732,881
— 126,854 178,773 5,035,589 3,074,083 1,252,283
— — — — 486,412 435,452
— — — — — —
— — — — 655,037 163,560
— — — — — —
— — — — 1,932,634 532,254
— — — — 0 0
— — — — 0 122,477
— — — — — 9,448,497
— — — — — 1,538,127
— — — — — 10,986,624
— — — — — 10,986,624
— — — — — 0
— — — — — 10,986,624
Average loan balance per borrower 2,026 2,391 2,379 2,112 2,512
Average loan balance borrower per borrower / GNI per capita 170.29% 185.37% 184.43% 163.75% 194.71%
Average outstanding balance — — — 2,112 2,512
Average outstanding balance / GNI per capita — — — 163.75% 194.71%
+ Number of depositors 0 0 0 0 0
— — — — 0 0
— — — — 0 0
— — — — 0 0
+ Number of deposit accounts — — — 0 —
— — — — — —
— — — — — —
— — — — — —
+ Deposits — — — 0 0
— — — — 0 0
— 0 0 0 0 0
— — — — 0 —
— — — — 0 —
— — — — 0 0
Average deposit balance per depositor — — — — —
Average deposit balance per depositor / GNI per capita — — — — —
Average deposit account balance — — — — —
Average deposit account balance / GNI per capita — — — — —

Overall Financial Performance

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
USD USD USD USD USD
Return on assets — -6.26% -29.53% -7.45% 29.38%
Return on equity — -6.77% -32.41% -8.26% 32.77%
Operational self sufficiency 52.85% 57.04% 21.81% 20.41% 382.01%

Revenues

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
USD USD USD USD USD
Financial revenue/ assets — 8.31% 8.24% 5.36% 15.02%
Profit margin -89.22% -75.31% -358.42% -139.05% 195.58%
Yield on gross portfolio (nominal) — — — 4.90% 15.82%
Yield on gross portfolio (real) — — — 2.15% 12.79%

Expenses

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
USD USD USD USD USD
Total expense/ assets — 14.57% 37.77% 26.26% 3.93%
Financial expense/ assets — 0.00% 0.00% 0.00% 0.00%
Provision for loan impairment/ assets — 0.15% 30.95% 14.95% -5.80%
Operating expense/ assets — 14.42% 6.82% 11.31% 9.73%
Personnel expense/ assets — — — 5.02% 4.46%
Administrative expense/ assets — — — 6.29% 5.27%

Efficiency

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
USD USD USD USD USD
Operating expense/ loan portfolio — 15.67% 6.54% 11.07% 10.52%
Personnel expense/ loan portfolio — — — 4.91% 4.82%
Average salary/ GNI per capita — — — 10.46 9.81
Cost per borrower — 349 156 251 247
Cost per loan — — — — 247

Productivity

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
Borrowers per staff member 261 110 160 92 133
Loans per staff member — — — 92 133
Borrowers per loan officer — — — 165 243
Loans per loan officer — — — 165 243
Depositors per staff member 0 0 0 0 0
Deposit accounts per staff member — — — 0 —
Personnel allocation ratio — — — 55.88% 54.55%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-09-30 2008-09-30
USD USD USD USD USD
Portfolio at risk > 30 days 2.00% 2.00% 51.00% 46.55% 11.41%
Portfolio at risk > 90 days — — — 39.19% 7.45%
Write-off ratio — 0.12% 0.10% 31.68% 1.47%
Loan loss rate — 0.12% 0.10% 30.67% -14.69%
Risk coverage 9.95% 11.13% 55.53% 47.97% 38.00%
Non-earning liquid assets as a % of total assets — 6.58% 10.03% 25.90% 5.20%