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

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Table 5: BRAC Bank—SME bank2004 - -Number of Borrowers (year over year growth %)2005 37,584 -2006 61,526 63.7Average Loan Balance per Borrower 2006 $4,761.092004 $99,975,273 98.6Gross Loan Portfolio (year over year growth %)2005 $178,133,580 78.22006 $292,930,698 64.4Average Loan Balance per Borrower/GNI per Capita (%) 2006 1,0132004 - -Number of Savings Accounts (year over year growth %)2005 124,289 -2006 258,601 108.1Average Saving Balance Per Saver 2006 $1,333.322004 $140,343,076 128.8Saving Balance (year over year growth %)2005 $202,610,141 44.42006 $344,798,781 70.2Average Savings Balance per Borrower/GNI per Capita (%) 2006 283.69ROA (%) 2006 1.42ROE (%) 2006 23.0Profit Margin (%) 2006 16.09Borrowers per Staff Member 2006 20.2Operating Expenses/Loan Portfolio (%) 2006 6.54Portfolio Risk (%) 2006 3.76Write off Ratio (%) 2006 0.63All data taken from 2006 Annual Report and Prospectus28
Table 6: Banco Compartamos, S.A. (Compartamos)Year of Establishment 1990CountryMexicoNumber of Branches187 (located in 28 different states)“Compartamos is a social company committed to thepeople. We generate development opportunitieswithin the lower economic segment, based onMissioninnovative and efficient models on a wide scale aswell as transcending values that create external andinternal culture, fulfilling permanent trustingrelationships and contributing to a better world”2004 309,637 43.8Number of Borrowers (year over year growth %)2005 453,131 46.32006 616,528 36.1Average Loan Balance per Borrower 2006 $4402004 $101,023,790 59.4Gross Loan Portfolio (year over year growth %)2005 $180,630,956 78.82006 $271,098,542 50.1Average Loan Balance per Borrower/GNI per Capita (%)* 2005 5.45ROA (%) 2006 23.18ROE (%) 2006 57.35Profit Margin (%) 2006 44.82Borrowers per Staff Member 2006 192Operating Expenses/Loan Portfolio (%) 2006 33.45Portfolio Risk (%) 2006 0.62Write Off Ratio (%) 2006 .57All data taken from The MIX Market, http://www.mixmarket.org.*2006 data unavailable29
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 30 and 31: Table 3: Bank Rakyat Indonesia (BRI
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

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