TLM | MIX Market

How to contribute dataFinancial data facilitated by

Institutional Characteristics

	2004	2005	2006	2007	2008
As of date	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31
Currency	USD	USD	USD	USD	USD
Total assets	1,638,802	1,744,935	2,623,773	3,156,790	3,629,355
Offices	—	—	—	1	17
Personnel	240	135	135	205	203

Financing Structure

	2004	2005	2006	2007	2008
As of date	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31
Capital/asset ratio	53.14%	74.56%	48.91%	80.07%	73.18%
Debt to equity ratio	0.88	0.34	1.04	0.25	0.37
Deposits to loans	—	—	25.88%	6.82%	0.00%
Deposits to total assets	—	—	16.44%	3.82%	0.00%
Gross loan portfolio to total assets	72.25%	57.28%	63.52%	55.98%	49.28%

Outreach

		2004	2005	2006	2007	2008
As of date		2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31
Currency		USD	USD	USD	USD	USD
+ Number of active borrowers		20,839	16,849	20,363	15,945	10,783
+ Relationship
External customers	—	—	—	—	—	10,746
Management and staff	—	—	—	—	—	37
+ Gender
Female	—	10,994	9,119	10,027	7,775	—
+ Products (credit)
+ Retail loans	—	—	—	—	—	10,783
Microenterprise	—	—	—	—	—	10,783
+ Methodology
Individual	—	—	—	—	—	3,998
Solidarity group	—	—	—	—	—	6,785
Percent of women borrowers		52.76%	54.12%	49.24%	48.76%	—
+ Number of outstanding loans		—	—	20,363	15,945	10,783
+ Delinquency
Less than one month	—	—	—	20,363	15,945	8,341
+ One month or more	—	—	—	—	—	—
From one to three months	—	—	—	0	0	842
+ More than three months	—	—	—	—	—	—
From three to six months	—	—	—	0	0	303
+ More than six months	—	—	—	—	—	—
From six to twelve months	—	—	—	0	0	1,182
One year or more	—	—	—	0	0	115
Renegotiated loans	—	—	—	0	0	0
+ Methodology
Individual	—	—	—	—	—	3,998
Solidarity group	—	—	—	—	—	6,785
+ Products (credit)
+ Retail loans	—	—	—	—	—	10,783
Microenterprise	—	—	—	—	—	10,783
+ Relationship
External customers	—	—	—	—	—	10,746
Management and staff	—	—	—	—	—	37
+ Gross loan portfolio		1,183,966	999,453	1,666,720	1,767,032	1,788,553
+ Delinquency
Less than one month	—	—	—	—	—	1,569,774
+ One month or more	—	57,005	122,213	321,168	101,925	—
From one to three months	—	—	—	108,089	52,577	73,799
+ More than three months	—	—	—	—	—	—
From three to six months	—	—	—	36,400	8,516	28,630
+ More than six months	—	—	—	—	—	—
From six to twelve months	—	—	—	176,679	40,832	112,196
One year or more	—	—	—	0	0	4,154
Renegotiated loans	—	—	—	0	0	0
+ Methodology
Individual	—	—	—	—	—	1,325,672
Solidarity group	—	—	—	—	—	462,882
+ Products (credit)
+ Retail loans	—	—	—	—	—	1,788,553
Microenterprise	—	—	—	—	—	1,788,553
+ Relationship
External customers	—	—	—	—	—	1,773,595
Management and staff	—	—	—	—	—	14,959
Average loan balance per borrower		57	59	82	111	166
Average loan balance borrower per borrower / GNI per capita		5.12%	4.75%	5.76%	6.72%	10.05%
Average outstanding balance		—	—	82	111	166
Average outstanding balance / GNI per capita		—	—	5.76%	6.72%	10.05%
Number of depositors		0	0	20,363	0	—
Number of deposit accounts		—	—	20,363	0	—
+ Deposits		—	—	431,336	120,480	0
+ Products (deposits)
+ Retail deposits	—	—	—	431,336	120,480	—
+ Voluntary deposits	—	0	0	0	120,480	—
Demand deposits	—	—	—	0	120,480	—
Time deposits	—	—	—	0	0	—
Compulsory deposits	—	—	—	431,336	0	—
Average deposit balance per depositor		—	—	21	—	—
Average deposit balance per depositor / GNI per capita		—	—	1.00%	—	—
Average deposit account balance		—	—	21	—	—
Average deposit account balance / GNI per capita		—	—	0	—	—

Overall Financial Performance

	2004	2005	2006	2007	2008
As of date	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31
	USD	USD	USD	USD	USD
Return on assets	-6.15%	-5.56%	-6.79%	-13.74%	-9.17%
Return on equity	-11.96%	-8.66%	-11.49%	-20.84%	-12.00%
Operational self sufficiency	85.66%	82.66%	80.08%	67.94%	78.86%

Revenues

	2004	2005	2006	2007	2008
As of date	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31
	USD	USD	USD	USD	USD
Financial revenue/ assets	36.74%	26.51%	27.32%	29.11%	32.27%
Profit margin	-16.75%	-20.97%	-24.87%	-47.20%	-26.80%
Yield on gross portfolio (nominal)	—	—	42.04%	40.52%	52.97%
Yield on gross portfolio (real)	—	—	25.58%	32.17%	43.88%

Expenses

	2004	2005	2006	2007	2008
As of date	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31
	USD	USD	USD	USD	USD
Total expense/ assets	42.89%	32.07%	34.11%	42.84%	40.92%
Financial expense/ assets	4.63%	1.17%	0.12%	0.18%	4.09%
Provision for loan impairment/ assets	0.84%	2.05%	3.14%	5.13%	7.75%
Operating expense/ assets	37.43%	28.85%	30.85%	37.53%	29.07%
Personnel expense/ assets	—	—	21.00%	19.14%	4.02%
Administrative expense/ assets	—	—	9.84%	18.40%	25.05%

Efficiency

	2004	2005	2006	2007	2008
As of date	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31
	USD	USD	USD	USD	USD
Operating expense/ loan portfolio	55.70%	44.71%	50.54%	63.19%	55.49%
Personnel expense/ loan portfolio	—	—	34.42%	32.22%	7.68%
Average salary/ GNI per capita	—	—	2.39	1.97	0.41
Cost per borrower	31	26	36	60	74
Cost per loan	—	—	—	60	74

Productivity

	2004	2005	2006	2007	2008
As of date	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31
Borrowers per staff member	87	125	151	78	53
Loans per staff member	—	—	151	78	53
Borrowers per loan officer	—	—	182	—	1,348
Loans per loan officer	—	—	182	—	1,348
Depositors per staff member	0	0	151	0	—
Deposit accounts per staff member	—	—	151	0	—
Personnel allocation ratio	—	—	82.96%	—	3.94%

Risk and Liquidity

	2004	2005	2006	2007	2008
As of date	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31
	USD	USD	USD	USD	USD
Portfolio at risk > 30 days	4.81%	12.23%	19.27%	5.77%	12.23%
Portfolio at risk > 90 days	—	—	12.78%	2.79%	8.11%
Write-off ratio	0.28%	2.44%	1.48%	12.45%	13.67%
Loan loss rate	0.28%	2.44%	1.48%	12.45%	13.67%
Risk coverage	46.87%	28.45%	27.40%	20.09%	15.73%
Non-earning liquid assets as a % of total assets	—	—	21.02%	16.78%	19.48%

MIX Market

TLM3Tanaoba Lais Manekat

Institutional Characteristics

Financing Structure

Outreach

Overall Financial Performance

Revenues

Expenses

Efficiency

Productivity

Risk and Liquidity