TYM4

TYM FUND

Select i

Report Periodi

Report Typei

Report Type

Compare to Benchmarksi

Please use this button to enable the changes you've made to your report settings.
Institutional Characteristics
Institutional Characteristics
MFI name TYM TYM
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Assets 21,288,135 27,856,346
OfficesOffices

Number, including head office

45 46
+ PersonnelPersonnel

Total number of staff members

339 347
268
Financing Structure
Financing Structure
MFI name TYM TYM
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

23.03% 27.45%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

3.34
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

29.15% 43.68%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

27.34% 33.05%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

93.79% 75.66%
Outreach Indicators
Outreach Indicators
MFI name TYM TYM
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
As of date 2011-12-31 2012-09-30
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

72,958 77,822
72,958
0
0
72,958
0
57,856
15,102
Percent of female borrowers 100.00%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

96,126
96,118
0
1
7
0
0
96,126
0
0
76,901
19,225
96,126
0
0
96,126
0
0
0
0
0
0
96,126
64,656
31,470
0
3,221
0
28,249
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

19,965,308 21,075,487
19,962,660
2,648
0
2,648
323
2,325
2,325
0
0
19,965,308
0
0
15,972,247
3,993,062
19,928,653
36,655
0
19,965,308
0
0
0
0
0
0
19,965,308
16,193,451
3,771,857
0
129,020
0
3,642,836
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

274 271
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

20.33% 20.12%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

208
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

15.43%
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

99,949
0
0
0
99,949
26,703
25,686
1,017
73,246
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

107,626
0
0
0
107,626
34,380
32,108
2,272
73,246
+ DepositsDeposits

Total value of all deposit accounts

5,819,605 9,205,532
0
0
0
5,819,605
1,532,907
714,423
818,484
4,286,698
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

58
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

4.00%
Overall Financial Performance
Overall Financial Performance
MFI name TYM TYM
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

3.29%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

12.40%
Operational self sufficiencyOperational self sufficiency

Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)

126.21%
Revenues
Revenues
MFI name TYM TYM
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

21.24%
Profit marginProfit margin

Net Operating Income / Financial Revenue

20.77%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

22.61%
Yield on gross portfolio (real)Yield on gross portfolio (real)

(Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)

3.20%
Expenses
Expenses
MFI name TYM TYM
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Total expense/ assetsTotal expense/ assets

(Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets

16.83%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

4.27%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

-0.03%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

12.59%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

8.17%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

4.42%
Efficiency
Efficiency
MFI name TYM TYM
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

13.64%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

8.85%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

3.76
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

39
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

33
Productivity
Productivity
MFI name TYM TYM
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

215 224
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

284
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

324 344
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

427
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

295
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

317
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

66.37% 65.13%
Risk And Liquidity
Risk And Liquidity
MFI name TYM TYM
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-09-30
As of date 2011-12-31 2012-09-30
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

0.01%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio

0.01%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.00%
Loan loss rateLoan loss rate

(Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio

0.00%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

3,626.07%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

4.63%