MicroRate Benchmark
About
Financial and Social Benchmarks
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 |