SAMIC-Limited | MFIs in Cambodia

SAMIC-Limited4

Currency:

Institutional Characteristics

Institutional Characteristics
MFI name	SAMIC-Limited	SAMIC-Limited
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	8,058,928	—
OfficesOffices Number, including head office	13	16
+ PersonnelPersonnel Total number of staff members	146	148
+ Gender
Male	111	111
Female	32	37

Financing Structure

Financing Structure
MFI name	SAMIC-Limited	SAMIC-Limited
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	26.00%	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	2.85	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	0.23%	0.19%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	0.22%	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	93.40%	—

Outreach Indicators

Outreach Indicators
MFI name	SAMIC-Limited	SAMIC-Limited
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	10,809	11,542
+ Relationship
External customers	10,809	—
Management and staff	0	—
+ Gender
Male	2,227	2,193
Female	8,582	9,349
Legal entity	0	—
+ Location
Urban	4,323	—
Rural	6,486	—
Percent of female borrowers	79.40%	81.00%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	10,809	—
+ Delinquency
Less than one month	10,605	—
+ One month or more	—	—
From one to three months	7	—
+ More than three months	—	—
From three to six months	130	—
+ More than six months	—	—
From six to twelve months	7	—
One year or more	60	—
Renegotiated loans	0	—
+ Location
Urban	4,323	—
Rural	6,486	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	10,809	—
+ Household financing	0	—
Consumption	0	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	10,809	—
+ Relationship
External customers	10,809	—
Management and staff	0	—
+ Methodology
Individual	7,187	—
Solidarity group	1,907	—
Village banking s h g	1,715	—
+ Gender
Male	2,227	—
Female	8,582	—
Legal entity	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	7,527,396	8,256,018
+ Delinquency
Less than one month	7,419,106	—
+ One month or more	108,290	116,851
From one to three months	7,888	—
+ More than three months	100,402	—
From three to six months	32,844	—
+ More than six months	67,558	—
From six to twelve months	4,100	—
One year or more	63,458	—
Renegotiated loans	0	—
+ Location
Urban	4,140,068	—
Rural	3,387,328	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	7,527,396	—
+ Household financing	0	—
Consumption	0	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	7,527,396	—
+ Relationship
External customers	7,527,396	—
Management and staff	0	—
+ Methodology
Individual	6,701,206	—
Solidarity group	516,682	—
Village banking s h g	309,508	—
+ Gender
Male	1,505,479	—
Female	6,021,917	—
Legal entity	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	696	715
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	696	—
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	1,443	1,322
+ Gender
Male	516	467
Female	927	855
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	1,443	—
+ Voluntary deposits	0	—
Demand deposits	0	—
Time deposits	0	—
Compulsory deposits	1,443	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	1,443	—
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	1,443	—
+ Voluntary deposits	0	—
Demand deposits	0	—
Time deposits	0	—
Compulsory deposits	1,443	—
+ DepositsDeposits Total value of all deposit accounts	17,526	15,547
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	17,526	—
+ Voluntary deposits	0	—
Demand deposits	0	—
Time deposits	0	—
Compulsory deposits	17,526	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	12	12
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita Average Deposit Balance per Depositor / GNI per Capita	—	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	12	—
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	—	—

Overall Financial Performance

Overall Financial Performance
MFI name	SAMIC-Limited	SAMIC-Limited
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	8.30%	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	32.69%	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	151.74%	—

Revenues

Revenues
MFI name	SAMIC-Limited	SAMIC-Limited
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	30.86%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	34.10%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	31.21%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	SAMIC-Limited	SAMIC-Limited
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	20.34%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	7.33%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	-0.01%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	13.01%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	7.66%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	5.35%	—

Efficiency

Efficiency
MFI name	SAMIC-Limited	SAMIC-Limited
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	13.21%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	7.78%	—
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	88	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	89	—

Productivity

Productivity
MFI name	SAMIC-Limited	SAMIC-Limited
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	74	78
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	74	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	197	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	197	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	10	9
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	10	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	37.67%	—

Risk And Liquidity

Risk And Liquidity
MFI name	SAMIC-Limited	SAMIC-Limited
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	1.44%	1.42%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	1.33%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	1.06%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	1.06%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	160.06%	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	2.97%	—

MFI Report

SAMIC-Limited4

Select i

Report Periodi

Report Typei

Compare to Benchmarksi

Global Partners