Comparative report | MIX Market

Compare TYM 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

	TYM	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	10,145,205	5,409,153
Offices	29	8
Personnel	195	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

	TYM	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	31.73%	22.30%
Debt to equity ratio	2.15	3.14
Deposits to loans	24.10%	17.87%
Deposits to total assets	19.25%	12.35%
Gross loan portfolio to total assets	79.87%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

	TYM	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	33,935	7,997
Percent of women borrowers	100.00%	60.46%
Number of outstanding loans	67,870	8,293
Gross loan portfolio	8,103,475	3,683,738
Average loan balance per borrower	239	592
Average loan balance borrower per borrower / GNI per capita	31.01%	35.69%
Average outstanding balance	119	571
Average outstanding balance / GNI per capita	15.51%	34.39%
Number of depositors	37,479	641
Number of deposit accounts	37,479	1,728
Deposits	1,953,028	376,783
Average deposit balance per depositor	52	168
Average deposit balance per depositor / GNI per capita	7.00%	15.00%
Average deposit account balance	52	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

	TYM	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	7.58%	2.10%
Return on equity	19.74%	9.72%
Operational self sufficiency	166.21%	112.24%

	TYM	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	19.03%	25.27%
Profit margin	39.84%	11.03%
Yield on gross portfolio (nominal)	22.66%	30.77%
Yield on gross portfolio (real)	12.65%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

	TYM	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	11.45%	23.09%
Financial expense/ assets	2.67%	5.26%
Provision for loan impairment/ assets	-0.16%	1.13%
Operating expense/ assets	8.93%	14.51%
Personnel expense/ assets	5.75%	8.07%
Administrative expense/ assets	3.18%	6.41%

	TYM	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	11.21%	19.22%
Personnel expense/ loan portfolio	7.21%	10.70%
Average salary/ GNI per capita	3.32	3.69
Cost per borrower	24	137
Cost per loan	15	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

	TYM	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	174	98
Loans per staff member	348	102
Borrowers per loan officer	381	245
Loans per loan officer	763	252
Depositors per staff member	192	40
Deposit accounts per staff member	192	53
Personnel allocation ratio	45.64%	44.80%

	TYM	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	0.04%	3.59%
Portfolio at risk > 90 days	0.03%	2.03%
Write-off ratio	0.02%	0.36%
Loan loss rate	0.02%	0.20%
Risk coverage	1,879.28%	75.73%
Non-earning liquid assets as a % of total assets	19.77%	12.01%

	TYM	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	10,145,205	5,316,293
Cash and cash equivalents	2,005,258	726,418
Total trade and receivables	14,903	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	8,040,303	3,352,616
Gross loan portfolio	8,103,475	3,514,762
Impairment loss allowance	63,172	111,693
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	8,739	4,126
Intangible assets other than goodwill	—	16,574
Net fixed assets	76,003	194,348
Liabilities and equity	10,145,205	5,293,138
Total liabilities	6,926,165	3,667,710
Deposits	1,953,028	414,688
Total borrowings	4,410,605	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	15,534	4,040
Trade and other payables	65,186	147,016
Provisions for employee benefits	103,778	20,617
Deferred revenue	378,034	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	3,219,040	1,221,785
Paid in capital	—	434,291
Retained earnings total	1,239,638	142,164
Share premium	—	0
Treasury shares	—	0
Donated equity total	1,602,985	156,609
Equity reserves	299,665	90,962
Other equity interest	76,752	0

	TYM	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	33,935	8,019
Number of outstanding loans	67,870	8,456
Number of depositors	37,479	1,075
Number of deposit accounts	37,479	2,064

	TYM	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	1,491,576	1,274,256
Interest and fee income	1,450,897	1,214,159
Revenue from interest	1,450,897	1,052,533
Interest income from loans	1,415,716	1,006,275
Financial revenue from investments	35,181	13,077
Other interest income	—	1,649
Fee and commission income	0	99,115
Fee income from loans	—	58,341
Income from penalty fees	—	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	40,679	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	—	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	209,432	244,969
Interest and fee expense	209,432	261,158
Interest expense	209,432	250,210
Interest expense on borrowings	124,425	144,062
Interest expense on deposits	69,311	19,622
Interest expense on subordinated debt	—	0
Fee expense	0	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	-12,169	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	-12,169	68,636
Recovery loan losses	0	1,921
Operating expense	700,127	859,273
Personnel expense	450,533	482,694
Depreciation expense	21,011	34,247
Administrative expense	228,582	338,218
Net operating income	594,186	82,728
Non operating income net	-355	0
Net income before taxes and donations	593,831	87,893
Tax expense	0	4,006
Net income after taxes before donations	593,831	73,372
Donations	0	2,365
Net income after taxes and donations	593,831	106,932

	TYM	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	-12,169	68,878
Impairment loss recognised	0	72,579
Reversal of impairment loss	12,169	0
Other movements on impairment loss allowance	0	0
Exchange differences on impairment loss	0	0
Write offs	955	11,480

MIX Market

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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