Comparative report | MIX Market

Compare SMEP 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
SMEP

	SMEP	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	13,244,919	5,409,153
Offices	31	8
Personnel	168	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
SMEP

	SMEP	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	20.92%	22.28%
Debt to equity ratio	3.78	3.14
Deposits to loans	47.87%	17.93%
Deposits to total assets	40.78%	12.36%
Gross loan portfolio to total assets	85.19%	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
SMEP

	SMEP	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	36,649	7,997
Percent of women borrowers	53.94%	60.46%
Number of outstanding loans	54,425	8,293
Gross loan portfolio	11,283,294	3,614,788
Average loan balance per borrower	308	592
Average loan balance borrower per borrower / GNI per capita	48.11%	35.69%
Average outstanding balance	207	571
Average outstanding balance / GNI per capita	32.39%	34.39%
Number of depositors	36,649	641
Number of deposit accounts	54,425	1,728
Deposits	5,401,053	376,783
Average deposit balance per depositor	147	168
Average deposit balance per depositor / GNI per capita	23.00%	15.00%
Average deposit account balance	99	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
SMEP

	SMEP	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	0.39%	2.10%
Return on equity	1.61%	9.72%
Operational self sufficiency	102.59%	112.26%

	SMEP	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	25.67%	25.27%
Profit margin	2.52%	11.04%
Yield on gross portfolio (nominal)	28.28%	30.77%
Yield on gross portfolio (real)	16.87%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
SMEP

	SMEP	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	25.02%	23.09%
Financial expense/ assets	3.05%	5.26%
Provision for loan impairment/ assets	1.57%	1.13%
Operating expense/ assets	20.41%	14.51%
Personnel expense/ assets	9.96%	8.07%
Administrative expense/ assets	10.45%	6.41%

	SMEP	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	24.98%	19.22%
Personnel expense/ loan portfolio	12.19%	10.70%
Average salary/ GNI per capita	13.42	3.69
Cost per borrower	86	137
Cost per loan	66	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
SMEP

	SMEP	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	218	98
Loans per staff member	324	102
Borrowers per loan officer	311	245
Loans per loan officer	461	252
Depositors per staff member	218	40
Deposit accounts per staff member	324	53
Personnel allocation ratio	70.24%	44.80%

	SMEP	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	16.40%	3.59%
Portfolio at risk > 90 days	10.47%	2.03%
Write-off ratio	3.02%	0.36%
Loan loss rate	3.02%	0.20%
Risk coverage	37.31%	75.73%
Non-earning liquid assets as a % of total assets	15.23%	11.99%

	SMEP	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	13,244,919	5,316,293
Cash and cash equivalents	2,016,674	726,418
Total trade and receivables	53,780	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	10,593,101	3,352,616
Gross loan portfolio	11,283,294	3,548,055
Impairment loss allowance	690,193	111,590
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	84,023	0
Inventories	6,657	4,126
Intangible assets other than goodwill	174,596	16,574
Net fixed assets	316,087	191,808
Liabilities and equity	13,244,919	5,293,138
Total liabilities	10,474,122	3,667,710
Deposits	5,401,053	414,688
Total borrowings	4,838,028	1,396,991
Subordinated debt	—	0
Other short term financial liabilities	43,841	4,040
Trade and other payables	169,463	150,045
Provisions for employee benefits	—	20,617
Deferred revenue	—	4,052
Current tax liabilities	21,737	8,389
Deferred tax liabilities	—	0
Total equity	2,770,796	1,220,875
Paid in capital	—	432,158
Retained earnings total	—	141,526
Share premium	—	0
Treasury shares	—	0
Donated equity total	—	156,609
Equity reserves	2,770,796	90,962
Other equity interest	—	0

	SMEP	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	36,649	8,019
Number of outstanding loans	54,425	8,456
Number of depositors	36,649	1,075
Number of deposit accounts	54,425	2,064

	SMEP	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	3,276,704	1,274,256
Interest and fee income	3,160,325	1,212,336
Revenue from interest	2,584,305	1,054,993
Interest income from loans	2,428,827	998,284
Financial revenue from investments	155,479	13,077
Other interest income	—	1,649
Fee and commission income	576,019	96,904
Fee income from loans	520,360	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	—	0
Other fee and commission income	55,659	2
Other operating income	112,401	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	3,978	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	388,769	240,482
Interest and fee expense	388,769	261,393
Interest expense	388,769	250,036
Interest expense on borrowings	321,864	143,038
Interest expense on deposits	66,906	19,270
Interest expense on subordinated debt	—	0
Fee expense	—	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	199,957	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	199,957	67,799
Recovery loan losses	—	1,857
Operating expense	2,605,250	859,507
Personnel expense	1,270,882	481,282
Depreciation expense	121,490	34,214
Administrative expense	1,212,878	338,218
Net operating income	82,728	82,728
Non operating income net	0	0
Net income before taxes and donations	82,728	87,247
Tax expense	32,928	3,988
Net income after taxes before donations	49,800	73,372
Donations	127,253	2,252
Net income after taxes and donations	177,053	107,069

	SMEP	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	199,957	68,757
Impairment loss recognised	199,957	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	315,429	11,480

MIX Market

SMEP4Small and Micro Enterprise Project

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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