Comparative report | MIX Market

Compare SAT 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

	SAT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	19,534,276	5,379,046
Offices	38	8
Personnel	231	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

	SAT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	33.78%	22.30%
Debt to equity ratio	1.96	3.14
Deposits to loans	11.70%	17.93%
Deposits to total assets	7.83%	12.36%
Gross loan portfolio to total assets	66.90%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

	SAT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	73,268	7,997
Percent of women borrowers	89.99%	60.46%
Number of outstanding loans	73,268	8,293
Gross loan portfolio	13,067,770	3,661,739
Average loan balance per borrower	178	592
Average loan balance borrower per borrower / GNI per capita	30.23%	35.69%
Average outstanding balance	178	571
Average outstanding balance / GNI per capita	30.23%	34.39%
Number of depositors	143,610	641
Number of deposit accounts	143,610	1,736
Deposits	1,528,679	376,783
Average deposit balance per depositor	11	168
Average deposit balance per depositor / GNI per capita	2.00%	15.00%
Average deposit account balance	11	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

	SAT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	6.01%	2.10%
Return on equity	18.02%	9.72%
Operational self sufficiency	122.44%	112.24%

	SAT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	44.10%	25.27%
Profit margin	17.93%	11.03%
Yield on gross portfolio (nominal)	67.71%	30.77%
Yield on gross portfolio (real)	51.46%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

	SAT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	36.02%	23.09%
Financial expense/ assets	7.84%	5.26%
Provision for loan impairment/ assets	0.60%	1.13%
Operating expense/ assets	27.59%	14.51%
Personnel expense/ assets	14.54%	8.07%
Administrative expense/ assets	13.05%	6.41%

	SAT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	39.06%	19.22%
Personnel expense/ loan portfolio	20.58%	10.70%
Average salary/ GNI per capita	21.11	3.69
Cost per borrower	81	137
Cost per loan	81	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

	SAT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	317	98
Loans per staff member	317	102
Borrowers per loan officer	637	245
Loans per loan officer	637	252
Depositors per staff member	622	40
Deposit accounts per staff member	622	54
Personnel allocation ratio	49.78%	44.80%

	SAT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	2.38%	3.59%
Portfolio at risk > 90 days	1.78%	2.03%
Write-off ratio	—	0.36%
Loan loss rate	0.00%	0.20%
Risk coverage	121.78%	75.73%
Non-earning liquid assets as a % of total assets	17.78%	12.01%

	SAT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	19,534,276	5,293,138
Cash and cash equivalents	3,472,286	726,418
Total trade and receivables	1,191,147	171,459
Financial assets at fair value	994,834	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	12,171,849	3,352,616
Gross loan portfolio	13,067,770	3,514,762
Impairment loss allowance	379,046	111,693
Unearned income and discount	516,874	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	1,704,160	194,348
Liabilities and equity	19,534,276	5,288,312
Total liabilities	12,934,917	3,667,710
Deposits	1,528,679	414,688
Total borrowings	10,120,487	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	1,053,341	147,016
Provisions for employee benefits	—	20,617
Deferred revenue	—	4,052
Current tax liabilities	232,410	8,389
Deferred tax liabilities	—	0
Total equity	6,599,359	1,225,024
Paid in capital	—	434,291
Retained earnings total	4,193,977	142,164
Share premium	—	0
Treasury shares	—	0
Donated equity total	2,405,382	156,609
Equity reserves	—	90,962
Other equity interest	—	0

	SAT	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	73,268	8,019
Number of outstanding loans	73,268	8,456
Number of depositors	143,610	1,075
Number of deposit accounts	143,610	2,067

	SAT	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	8,406,612	1,263,896
Interest and fee income	9,176,322	1,214,159
Revenue from interest	7,690,111	1,052,533
Interest income from loans	7,666,114	1,006,275
Financial revenue from investments	18,245	13,077
Other interest income	5,752	1,649
Fee and commission income	1,486,211	99,115
Fee income from loans	1,451,089	58,341
Income from penalty fees	—	0
Fee and commission income from other financial services	—	0
Other fee and commission income	35,122	2
Other operating income	126,714	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	-961,523	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	-33,269	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	1,493,910	244,969
Interest and fee expense	1,493,910	261,158
Interest expense	1,493,910	250,210
Interest expense on borrowings	1,493,910	144,062
Interest expense on deposits	—	19,622
Interest expense on subordinated debt	—	0
Fee expense	—	1,018
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	113,718	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	113,755	68,636
Recovery loan losses	37	1,921
Operating expense	5,258,490	859,273
Personnel expense	2,771,100	482,694
Depreciation expense	247,884	34,247
Administrative expense	2,239,506	338,218
Net operating income	1,507,226	82,657
Non operating income net	—	0
Net income before taxes and donations	1,507,226	87,247
Tax expense	361,923	4,006
Net income after taxes before donations	1,145,303	73,372
Donations	214,583	2,365
Net income after taxes and donations	1,359,886	106,932

	SAT	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	113,755	68,878
Impairment loss recognised	113,755	72,579
Reversal of impairment loss	0	0
Other movements on impairment loss allowance	0	0
Exchange differences on impairment loss	0	0
Write offs	0	11,480

MIX Market

SAT5Sinapi Aba Trust

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