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RESULTS
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Balance Sheet
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| MCF MIKRO ALDI |
31.12.2008 |
31.12.2009
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| ASSETS |
7.911.216,00 |
5.689.752,00
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| LIABILITIES |
4.648.287,00 |
2.849.291,00
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| EQUITY |
3.262.929,00 |
2.840.461,00
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Income Statement
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| MCF MIKRO ALDI |
31.12.2008 |
31.12.2009 |
FINANCIAL INCOME |
1.952.875,00 |
1.802.594,00
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FINANCIAL COSTS |
328.380,00 |
286.825,00
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RESERVES |
286.216,00 |
1.132.213,00
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| OPERATING COSTS |
891.086,00 |
871.923,00
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| NON OPERATING REVENUE |
158.340,00 |
65.899,00
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| RESULT |
605.533,00 |
-422.468,00
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Indicators
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| MCF: MIKRO ALDI |
31.12.2009 |
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| INSTITUTIONAL INDICATORS |
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| 1. Number of Active Clients |
2.641
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| 2. Number of Disbursed Loans |
1.463
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| 3. Amount of Disbursed Loans |
4.409.030,00
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| 4. Average Loan Size |
3.014
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| 5. % of Loans Disbursed to DPs
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3,80%
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| 6. % of Loans Disbursed to Returnees |
1,30%
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| 7. Number of Employees |
25
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| 8. Number of Field offices |
6 |
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| PORTFOLIO RATIOS |
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| 9. Gross Portfolio |
5.903.359,00
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| 10. Loan Loss Reserve Ratios |
14,99%
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| 11. % Portfolio at Risk > 30 days |
17,30%
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| 12. % Write-off |
6,13%
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| PROFITABILITY RATIOS |
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| 13. Adjusted Return on Assets |
-7,72%
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| 14. Adjusted Return on Equity |
-17,21%
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| 15. Yield on Portfolio |
29,75%
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| 16. Operational Sufficiency |
78,68%
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| 17. Financial Sufficiency |
77,44%
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| EFFICIENCY RATIOS |
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| 18. Administrative Efficiency Ratio |
13,20%
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| 19. Operational Efficiency Ratio |
34,67%
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| 20. Personnel Costs/Administrative Costs |
25,79%
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| 21. Number of Active Loans per Employee |
106
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| 22. Number of Active Loans per Loan Officer |
189
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| 23. Portfolio per Loan Officer |
421.669,00
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