MFWG: MFI Performance Benchmarking December 2012

(Lao MFIs: Self-reported data)

MFIs other Asian countries (2012)

Lao MFI Peer Groups (December 2012)

Ref INDICATORS

A)
1
2
3
B)
4
5
6
7
C)
8
9
10
D)
11
12
E)
13

Institutional Characteristics
Gross Loan Portfolio (USD)
Total Assets (USD)
Number of staff
Outreach
Number of active borrowers (female and male)
% of female borrowers
Average outstanding loan size (USD)
Average outstanding loan size / GNI per capita
Financial Performance
Operational Self-Sufficiency (OSS)
Return on Assets (RoA)
Return on Equity (RoE)
Efficiency and Productivity
Number of loans outstanding per credit officer
Operating expense ratio
Portfolio Quality
Portfolio at risk 30+ days

Average
NDTMFIs
(6)

Average
SCUs
(5)

Average
DTMFIs
(5)

Average
Network
Support
Organisations
(4)

Overall
Average
Lao MFIs
(20)

Vietnam
(18 MFIs)

Cambodia
(13 MFIs)

East Asia &

Philippines Pacific Small
(8 MFIs)
Scale
(41 MFIs)

Industry
Standards

505,086
742,301
14

232,150
300,847
7

1,286,132
1,736,888
35

376,132
530,802
102

606,323
838,284
24

688,555
663,537
21

48,342,251
61,686,002
820

11,746,590
44,231,662
267

474,242
473,558
13

1,221
87%
449
36%

460
59%
459
36%

2,121
62%
776
62%

2,540
69%
180
14%

1,519
70%
480
38%

4,994
97%
161
12%

68,195
77%
875
104%

26,174
98%
161
7%

1,512
92%
220
12%

143%
10.5%
20.5%

120%
8.9%
25.6%

116%
3.2%
10.2%

180%
7.0%
59.5%

136%
7.5%
23.1%

135%
8.5%
13.2%

128%
4.1%
18.6%

115%
1.2%
17.9%

113%
2.3%
9.8%

126
21.8%

108
36.1%

151
32.2%

361
5.4%

175
25.7%

408
14.4%

162
13.9%

344
22.0%

282 >/= 150 / 300

13.9%
</= 20%

4.0%

13.3%

8.0%

15.4%

9.4%

0.3%

0.3%

4.5%

Notes:
The Lao MFI data used for establishing these benchmarks are based on self-reported data from Lao MFIs
Exchange rate applied: 1 USD = 7,985 Kip (BoL Reference Rate as of 28/12/12)
Source: Mix Market, Cross-Market Analysis database; values indicated are medians
Compound Peer Group "East Asia and Pacific Small Scale", i.e. FMIs from this region with a GLP < US$2 Million
GNI per capita for Laos in 2012 was US$1,260 (Source: WB, World Development Indicators Database)

2.1%

>/= 100%
>/= 2%
>/= 15%

</= 5%

MFWG: Lao MFI Performance Benchmarking December 2011 and December 2012

(Self-reported data)

Lao MFI Peer Groups - December 2011 and December 2012

Ref INDICATORS

A)
1
2
3
B)
4
5
6
7
C)
8
9
10
D)
11
12
E)
13

Institutional Characteristics
Gross Loan Portfolio (USD)
Total Assets (USD)
Number of staff
Outreach
Number of active borrowers (female and male)
% of female borrowers
Average outstanding loan size (USD)
Average outstanding loan size / GNI per capita
Financial Performance
Operational Self-Sufficiency (OSS)
Return on Assets (RoA)
Return on Equity (RoE)
Efficiency and Productivity
Number of loans outstanding per credit officer
Operating expense ratio
Portfolio Quality
Portfolio at risk 30+ days

Average
Average
NDTMFIs (6) NDTMFIs (6)
2011
2012

Average
SCUs (4)
2011

Average
SCUs (5)
2012

Average
DTMFIs (3)
2011

Average
Average
Overall
Average
Network
Network
Average Lao
DTMFIs (5)
Support
Support
MFIs (17)
Organisations (4) Organisations (4)
2012
2011
2011
2012

Overall
Average Lao
MFIs (20)
2012

249,218
424,956
11

505,086
742,301
14

92,518
168,345
6

232,150
300,847
7

1,320,299
1,568,140
38

1,286,132
1,736,888
35

359,365
439,573
49

376,132
530,802
102

427,279
569,755
24

606,323
838,284
24

577
73%
392
38%

1,221
87%
449
36%

316
68%
425
41%

460
59%
459
36%

2,557
54%
449
43%

2,121
62%
776
62%

1,747
83%
104
10%

2,540
69%
180
14%

1,140
69%
343
33%

1,519
70%
480
38%

104%
N/A
N/A

143%
10.5%
20.5%

124%
N/A
N/A

120%
8.9%
25.6%

171%
N/A
N/A

116%
3.2%
10.2%

119%

180%
7.0%
59.5%

124%

N/A
N/A

136%
7.5%
23.1%

99

126
21.8%

112

108
36.1%

192

N/A

361
5.4%

205

N/A

151
32.2%

556

N/A

21.0%

15.4%

9.0%

N/A
1.9%

4.0%

9.0%

Notes:
The data used for establishing these benchmarks are based on self-reported data from Lao MFIs
Exchange rate applied: 1 USD = 7,985 Kip (BoL Reference Rate as of 28/12/12)
GNI per capita for Laos in 2012 was US$1,260 (Source: WB, World Development Indicators Database)

13.3%

9.0%

8.0%

Industry
Standards

>/= 100%
>/= 2%
>/= 15%

175 >/= 150 / 300

25.7%
</= 20%
9.4%

</= 5%