Microfinance and Capital Markets - Council of Microfinance Equity ...

More documents

Recommendations

Info

Table 3: Bank Rakyat Indonesia (BRI)Year of Establishment 1895CountryIndonesiaNumber of Branches324 and over 3,900 unit desasMission“To perform the best banking activities bydelivering services mainly to small and mediumenterprises in order to support economicdevelopment. To provide excellent services toits customers through a widely distributednetwork supported by professional humanresources and to conduct good corporategovernance practices. To provide optimal profitand benefit to its stakeholders.”2004 3,210,678 3.6Number of Borrowers (year over year growth %)2005 3,313,532 3.22006 3,455,894 4.3Average Loan Balance per Borrower 2006 $8782004 $2,044,532,205 18.9Gross Loan Portfolio (year over year growth %)2005 $2,321,540,457 13.52006 $3,035,685,400 30.8Average Loan Balance per Borrower/GNI per Capita (%)* 2005 54.742004 31,271,523 4.7Number of Savings Accounts (year over year growth %)2005 32,252,741 3.12006 30,907,566 (4.1)Average Saving Balance Per Saver 2006 $1582004 $3,503,488,748 8.0Saving Balance (year over year growth %)2005 $3,748,591,984 7.02006 $4,869,688,137 3.0Average Savings Balance per Borrower/GNI per Capita (%)* 2005 9.08ROA (%) 2006 6.88ROE (%) 2006 129.96Profit Margin (%) 2006 31.17Borrowers per Staff Member 2006 90Operating Expenses/Loan Portfolio (%) 2006 8.26Portfolio Risk (%) 2006 5.07Write Off Ratio (%) 2006 0.83All data taken from The MIX Market, http://www.mixmarket.org.*2006 data unavailable26
Table 4: Bangladesh Rural Advancement Committee (BRAC)-Microfinance NGOYear of Establishment 1972CountryBangladeshNumber of Branches1205 (referred to as team offices)Mission“BRAC works with people whose lives aredominated by extreme poverty, illiteracy,disease and handicaps. With multifaceteddevelopment interventions, BRAC strives tobring about change in the quality of life ofpoor people in Bangladesh.”2004 3,993,525 14.3Number of Borrowers (year over year growth %)2005 4,159,793 4.22006 4,550,855 9.4Average Loan Balance per Borrower 2006 $772004 $243,146,287 20.6Gross Loan Portfolio (year over year growth %)2005 $268,859,260 10.62006 $350,160,812 30.2Average Loan Balance per Borrower/GNI per Capita (%)* 2005 13.752004 27,208 0.7Number of Savings Accounts (year over year growth %)2005 32,548 19.62006 45,234 39.0Average Saving Balance Per Saver 2006 $112004 $538,405 (2.7)Saving Balance (year over year growth %)2005 $437,523 (18.7)2006 $515,572 17.8Average Savings Balance per Borrower/GNI per Capita (%)* 2005 2.86ROA (%) 2006 6.90ROE (%) 2006 23.27Profit Margin (%) 2006 26.94Borrowers per Staff Member 2006 186Operating Expenses/Loan Portfolio (%) 2006 12.91Portfolio Risk (%) 2006 3.76Write off Ratio (%) 2006 .63All data taken from The MIX Market, http://www.mixmarket.org.*2006 data unavailable27
Page 1: MICROFINANCE AND CAPITAL MARKETS:TH
Page 5: ACKNOWLEDGEMENTSWe appreciate the g
Page 8 and 9: a larger process in which the Indon
Page 10 and 11: Table 1: IPO/Listing DetailsName of
Page 12 and 13: (approximately at GNP per capita),
Page 14 and 15: compared to per capita GNP. Average
Page 16 and 17: that prepare their clients economic
Page 18 and 19: director and Ivan Mancillas serving
Page 20 and 21: • Cash mobilization and handling
Page 22 and 23: would be appropriate for the microf
Page 24 and 25: expenses increased rapidly as well
Page 26 and 27: Ownership incentivesIn two of the i
Page 28 and 29: its NGO offering microfinance and i
Page 32 and 33: Table 5: BRAC Bank—SME bank2004 -
Page 34 and 35: Table 7: Equity BankYear of Establi
Page 36 and 37: BRI’s stock has performed excepti
Page 38 and 39: improving health and nutrition for
Page 40 and 41: IV. EQUITY BANK LISTINGAs previousl
Page 42 and 43: limits for MFIs and “truth in len
Page 44 and 45: OVERALL CONCLUSIONSOur conclusions
Page 46 and 47: Annex 1: Poverty Data for Locations
Page 48 and 49: Profit Margin 2006 16.09% 22.35% 31
Page 50 and 51: Portfolio at Risk >30 days 2006 3.7
Page 52 and 53: Holloh, D., Microfinance Institutio
Page 54: ABOUT THE STUDYThis paper discusses

Microfinance and Capital Markets - Council of Microfinance Equity ...

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?