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

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Pr<strong>of</strong>it Margin 2006 16.09% 22.35% 31.06% 20.21%2005 16.42% 19.12% 27.30% 22.08%2004 14.61% 13.14% 26.49% 23.39%2003 12.98% - 28.17% 17.11%2002 - - 26.37% 11.33%Deposits/Loans 2006 117.71% 149.47% 0.00% 137.86% 160.41%2005 113.74% 163.78% 0.00% 128.48% 161.47%2004 140.38% 176.83% 0.00% 132.12% 171.36%2003 121.85% 201.56% 0.00% 160.33% 188.65%2002 - 184.46% 0.00% 176.84% 195.49%Deposits/Assets 2006 76.64% 81.58% 0.00% 80.44% 88.57%2005 79.46% 78.97% 0.00% 79.04% 83.61%2004 81.56% 75.76% 0.00% 76.98% 84.02%2003 77.00% 85.78% 0.00% 80.58% 83.92%2002 - 83.17% 0.00% 80.64% 82.47%Loans/Assets 2006 65.11% 54.58% 89.08% 58.35% 55.21%2005 69.86% 48.22% 81.95% 61.52% 51.78%2004 58.10% 42.84% 78.24% 58.27% 49.03%2003 63.19% 42.56% 71.22% 50.26% 44.48%2002 - 45.09% 74.69% 45.60% 42.19%Borrowers/Employee 2006 20.2 180.9 192.5 89.72005 22.8 124.6 197.4 88.32004 - 111.9 198.4 88.12003 - 184.0 212.7 111.72002 - 195.4 194.6 143.7Depositors/Employee 2006 84.9 727.7 0.0 801.92005 75.3 629.0 0.0 859.02004 - 779.4 0.0 857.72003 - 712.4 0.0 1,075.72002 - 742.3 0.0 1,328.7
Cost per Borrower 2006 $310.67 $180.98 $190.78 $252.312005 - $212.30 $200.00 $240.292004 - $170.13 $164.46 $207.442003 - $104.00 $145.53 $215.832002 - - - -Operating Expense/Loan Portfolio 2006 6.54% 27.99% 45.83% 9.62% 31.88%2005 6.44% 31.69% 54.81% 10.89% 35.91%2004 8.20% 35.72% 52.93% 10.61% 34.77%2003 - - 49.47% 13.24% 43.37%2002 - - - -<strong>Capital</strong> Adequacy Ratio 2006 7.05% 10.99% 42.39% 10.91% 4.89%as calculated (capital/assets)2005 4.64% 13.91% 37.66% 10.88% 5.79%2004 5.89% 18.95% 39.27% 11.63% 5.76%2003 8.72% 12.18% 35.31% 8.93% 5.29%2002 - 12.93% 33.54% 6.71% 6.13%Savers/Borrower 2006 4.20 4.02 0.00 8.942005 3.31 5.05 0.00 9.732004 - 6.97 0.00 9.742003 - 3.87 0.00 9.632002 - 3.80 0.00 9.25Average Deposit Size 2006 $1,333.32 $232.70 - $448.62 $157.562005 $1,630.15 $224.73 - $306.31 $116.232004 - $159.30 - $283.26 $112.032003 - $176.32 - $302.26 $108.642002 - $178.79 - $275.68 $92.97Average Loan Balance 2006 $4,761.09 $626.35 $429.70 $2,910.25 $878.412005 $4,739.61 $692.85 $398.04 $2,320.56 $700.622004 - $627.50 $316.35 $2,088.21 $636.792003 - $338.65 $302.58 $1,816.23 $554.802002 - $368.28 $281.69 $1,441.65 $439.78
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 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 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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