MicroRate Benchmark

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  • Financial and Social Benchmark

    Financial Benchmark

     

    The Financial Benchmark sets out the averages and quartiles of key management indicators, distributed in the following sections:

     

    Loan Portfolio

    Gross Portfolio
    Annual Variation Gross Portfolio
    Number of Outstanding Loans
    Annual Variation in terms of Number of Outstanding Loans​
    Number of Borrowers 5
    Annual Variation in terms of Number of Borrowers​
    Average Balance of Borrowers 
    Portfolio at Risk / Gross Portfolio ​
    % Refinanced / Gross Portfolio ​9
    % Refinanced / Portfolio at Risk ​
     Write-offs / Gross Portfolio ​
    Provisions / Portfolio at Risk ​
     Provisions Expense / Average Gross Portfolio ​

     

    Productivity Indicators

    Operating Expenditure / Average Gross Portfolio
    Number of Borrowers / Official Total Credit
    Number of Borrowers / Total Staff
    Portfolio Yield
    Staff-related Expenditure / Average Gross Portfolio
    Loan Officers / Total Staff
    Variable Pay / Basic Salary
    Staff who have < 12 months with the company
    Operating Expenses / Borrower

     

    Financial Relationships

    Liabilities / Equity ​
    Equity / Asset ​
    Net Revenue / Average Equity (ROE) ​
    Net Revenue / Average Assets (ROA) ​
    Unadjusted Interest Expenditure / Average Gross Portfolio ​
    Unadjusted Interest Expenditure / Average Financial Obligations ​
    (Temporary Availability + Investment) / Gross Portfolio ​
    Operating Margin ​

     

    Absolute Amounts

    Interest Revenue and Commissions
    Net Result
    Total Assets
    Deposits
    Financial Funds
    Equity

     

    Social Benchmark

     

    The Social Benchmark sets out the averages and quartiles of key management indicators, distributed in the following sections:

     

    General

     

    Gross Portfolio
    Annual Variation Gross Portfolio
    Number of Outstanding Loans
    Annual Variation in terms of Number of Outstanding Loans
    Number of Borrowers
    Annual Variation in terms of Number of Borrowers
    Average Balance of Borrowers
    Deposits

     

    Productivity Indicators

    Number of Borrowers / Loan Officer
    Number of Borrowers / Total Staff
    Staff-related Expenditure / Average Gross Portfolio
    Loan Officers / Total Staff
    Variable Pay / Basic Salary
    Staff who have < 12 months with the company

     

    Depth

    Average Sum Loaned / GDP per capita
    Number of Loans < US$500 (%)
    Number of Loans < US$1,000 (%)
    Portfolio Balance with Loans < US$500 (%)
    Portfolio Balance with Loans <US$1,000 (%)
    % Female Customers
    % Customers in Rural Areas
    % Loans with Non-traditional Guarantees

     

    Responsibility

    Customer Retention
    Staff Turnover
    Analyst Turnover

     

    Effectiveness and Sustainability

    Operating Expenses / Average Gross Portfolio
    Operating Cost per Customer (US$)
    Net Revenue / Average Equity (ROE)
    Net Revenue / Average Assets (ROA)
    Operating Margin
    Portfolio Yield
    Portfolio at Risk / Gross Portfolio
    Write-offs / Gross Portfolio