Comparative report | MIX Market

Compare XacBank 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
XacBank

	XacBank	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	163,177,452	5,409,153
Offices	74	8
Personnel	955	77

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
XacBank

	XacBank	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	10.53%	22.28%
Debt to equity ratio	8.50	3.14
Deposits to loans	54.35%	17.93%
Deposits to total assets	39.55%	12.36%
Gross loan portfolio to total assets	72.76%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

All
XacBank

	XacBank	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	62,788	7,997
Percent of women borrowers	52.20%	60.46%
Number of outstanding loans	65,136	8,293
Gross loan portfolio	118,735,288	3,614,788
Average loan balance per borrower	1,891	592
Average loan balance borrower per borrower / GNI per capita	146.59%	35.69%
Average outstanding balance	1,823	571
Average outstanding balance / GNI per capita	141.31%	34.39%
Number of depositors	233,102	641
Number of deposit accounts	255,236	1,728
Deposits	64,536,178	376,783
Average deposit balance per depositor	277	168
Average deposit balance per depositor / GNI per capita	21.00%	15.00%
Average deposit account balance	253	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
XacBank

	XacBank	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	1.86%	2.10%
Return on equity	18.69%	9.72%
Operational self sufficiency	114.07%	112.24%

	XacBank	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	19.29%	25.27%
Profit margin	12.33%	11.03%
Yield on gross portfolio (nominal)	24.88%	30.77%
Yield on gross portfolio (real)	14.52%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
XacBank

	XacBank	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	16.91%	23.09%
Financial expense/ assets	8.89%	5.26%
Provision for loan impairment/ assets	0.64%	1.13%
Operating expense/ assets	7.37%	14.51%
Personnel expense/ assets	3.43%	8.07%
Administrative expense/ assets	3.94%	6.41%

	XacBank	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	10.33%	19.22%
Personnel expense/ loan portfolio	4.81%	10.70%
Average salary/ GNI per capita	4.33	3.69
Cost per borrower	172	137
Cost per loan	169	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
XacBank

	XacBank	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	66	98
Loans per staff member	68	102
Borrowers per loan officer	242	245
Loans per loan officer	251	252
Depositors per staff member	244	40
Deposit accounts per staff member	267	53
Personnel allocation ratio	27.12%	44.80%

	XacBank	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	1.67%	3.57%
Portfolio at risk > 90 days	1.16%	2.00%
Write-off ratio	0.07%	0.36%
Loan loss rate	0.07%	0.20%
Risk coverage	66.64%	76.09%
Non-earning liquid assets as a % of total assets	15.28%	11.99%

	XacBank	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	163,177,452	5,316,293
Cash and cash equivalents	24,931,573	721,678
Total trade and receivables	2,403,385	171,459
Financial assets at fair value	—	0
Financial assets available for sale	175,991	0
Other investments	—	0
Net loan portfolio	117,410,519	3,352,616
Gross loan portfolio	118,735,288	3,514,762
Impairment loss allowance	1,324,770	111,590
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	723,244	4,126
Intangible assets other than goodwill	1,588,066	16,574
Net fixed assets	9,865,359	191,808
Liabilities and equity	163,177,452	5,293,138
Total liabilities	145,997,271	3,666,852
Deposits	64,536,178	414,688
Total borrowings	79,085,974	1,390,424
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	658,773	147,016
Provisions for employee benefits	—	20,617
Deferred revenue	80,155	4,052
Current tax liabilities	218,720	8,389
Deferred tax liabilities	82,694	0
Total equity	17,180,181	1,177,566
Paid in capital	8,589,902	432,158
Retained earnings total	2,485,383	141,526
Share premium	2,036,031	0
Treasury shares	0	0
Donated equity total	0	156,609
Equity reserves	4,068,865	90,962
Other equity interest	0	0

	XacBank	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	62,788	8,019
Number of outstanding loans	65,136	8,456
Number of depositors	233,102	1,075
Number of deposit accounts	255,236	2,064

	XacBank	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	27,570,484	1,272,266
Interest and fee income	27,056,251	1,212,336
Revenue from interest	25,305,581	1,054,993
Interest income from loans	24,282,567	998,284
Financial revenue from investments	1,023,014	13,077
Other interest income	—	1,649
Fee and commission income	1,750,670	96,904
Fee income from loans	1,087,837	58,055
Income from penalty fees	552	0
Fee and commission income from other financial services	662,281	0
Other fee and commission income	—	2
Other operating income	115,876	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	251,629	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	146,727	0
Gains (losses) on financial liabilities at amortised cost	—	0
Gains (losses) on net monetary position	—	0
Financial expense	12,713,387	240,482
Interest and fee expense	12,705,031	261,393
Interest expense	12,523,078	250,036
Interest expense on borrowings	6,142,031	143,479
Interest expense on deposits	6,381,047	19,270
Interest expense on subordinated debt	—	0
Fee expense	181,953	984
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	181,953	0
Other fee and commission expense	—	67
Other financial expense	8,356	0
Net impairment loss, gross loan portfolio	921,222	52,251
Impairment loss (reversal of impairment loss), gross loan portfolio	921,222	67,799
Recovery loan losses	0	1,857
Operating expense	10,536,016	858,343
Personnel expense	4,905,648	481,282
Depreciation expense	862,866	34,214
Administrative expense	4,767,501	338,218
Net operating income	3,399,859	82,657
Non operating income net	55,545	0
Net income before taxes and donations	3,455,405	87,247
Tax expense	737,540	3,988
Net income after taxes before donations	2,717,865	70,639
Donations	0	2,252
Net income after taxes and donations	2,717,865	106,932

	XacBank	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	921,222	68,757
Impairment loss recognised	921,222	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	67,339	11,444

MIX Market

XacBank5

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