Comparative report | MIX Market

Compare SPBD 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
SPBD

	SPBD	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	1,221,660	5,409,153
Offices	2	8
Personnel	18	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
SPBD

	SPBD	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	-64.22%	22.28%
Debt to equity ratio	-2.56	3.14
Deposits to loans	17.80%	17.93%
Deposits to total assets	13.08%	12.36%
Gross loan portfolio to total assets	73.45%	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
SPBD

	SPBD	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	4,162	7,997
Percent of women borrowers	98.99%	60.46%
Number of outstanding loans	4,162	8,293
Gross loan portfolio	897,312	3,661,739
Average loan balance per borrower	216	592
Average loan balance borrower per borrower / GNI per capita	7.99%	35.69%
Average outstanding balance	216	571
Average outstanding balance / GNI per capita	7.99%	34.39%
Number of depositors	5,995	641
Number of deposit accounts	5,995	1,728
Deposits	159,759	376,783
Average deposit balance per depositor	27	168
Average deposit balance per depositor / GNI per capita	1.00%	15.00%
Average deposit account balance	27	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
SPBD

	SPBD	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	5.36%	2.10%
Return on equity	-8.48%	9.72%
Operational self sufficiency	115.50%	112.26%

	SPBD	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	40.80%	25.27%
Profit margin	13.42%	11.04%
Yield on gross portfolio (nominal)	61.29%	30.77%
Yield on gross portfolio (real)	52.78%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
SPBD

	SPBD	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	35.32%	23.09%
Financial expense/ assets	3.38%	5.26%
Provision for loan impairment/ assets	0.28%	1.13%
Operating expense/ assets	31.66%	14.51%
Personnel expense/ assets	13.23%	8.07%
Administrative expense/ assets	18.43%	6.41%

	SPBD	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	49.82%	19.22%
Personnel expense/ loan portfolio	20.81%	10.70%
Average salary/ GNI per capita	3.92	3.69
Cost per borrower	110	137
Cost per loan	110	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
SPBD

	SPBD	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	231	98
Loans per staff member	231	102
Borrowers per loan officer	520	245
Loans per loan officer	520	252
Depositors per staff member	333	40
Deposit accounts per staff member	333	53
Personnel allocation ratio	44.44%	44.80%

	SPBD	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	1.54%	3.59%
Portfolio at risk > 90 days	0.44%	2.03%
Write-off ratio	0.63%	0.36%
Loan loss rate	0.63%	0.20%
Risk coverage	43.41%	75.73%
Non-earning liquid assets as a % of total assets	20.79%	11.99%

	SPBD	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	1,221,660	5,316,293
Cash and cash equivalents	253,984	721,678
Total trade and receivables	6,295	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	891,297	3,352,616
Gross loan portfolio	897,312	3,514,762
Impairment loss allowance	6,014	109,046
Unearned income and discount	—	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	70,084	192,881
Liabilities and equity	1,221,660	5,293,138
Total liabilities	2,006,270	3,666,852
Deposits	159,759	414,688
Total borrowings	1,818,657	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	27,854	145,875
Provisions for employee benefits	—	20,617
Deferred revenue	—	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	-784,609	1,220,875
Paid in capital	—	434,291
Retained earnings total	-784,609	142,164
Share premium	—	0
Treasury shares	—	0
Donated equity total	—	156,609
Equity reserves	—	90,962
Other equity interest	—	0

	SPBD	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	4,162	8,019
Number of outstanding loans	4,162	8,456
Number of depositors	5,995	1,075
Number of deposit accounts	5,995	2,064

	SPBD	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	554,370	1,274,256
Interest and fee income	542,320	1,214,159
Revenue from interest	490,331	1,052,533
Interest income from loans	480,653	998,284
Financial revenue from investments	9,678	13,077
Other interest income	—	1,649
Fee and commission income	51,989	99,375
Fee income from loans	48,661	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	—	0
Other fee and commission income	3,328	2
Other operating income	—	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	12,049	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	45,967	240,482
Interest and fee expense	45,967	261,158
Interest expense	45,967	249,861
Interest expense on borrowings	44,561	143,968
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	3,786	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	3,786	68,494
Recovery loan losses	—	1,857
Operating expense	430,230	858,343
Personnel expense	179,751	481,547
Depreciation expense	38,731	34,234
Administrative expense	211,748	338,218
Net operating income	74,387	82,657
Non operating income net	1,040	0
Net income before taxes and donations	75,427	87,893
Tax expense	1,569	3,988
Net income after taxes before donations	73,858	73,372
Donations	11,217	2,252
Net income after taxes and donations	85,076	105,419

	SPBD	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	3,786	68,757
Impairment loss recognised	3,786	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	5,471	11,480

MIX Market

SPBD4South Pacific Business Development

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