Benchmarks & Peergroups |
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| Monthly Tracking | Data | SYM50 | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| All currency figures in USD | Jan. 31, 2010 | %TA | Dec. 31, 2009 | %TA | Dec. 31, 2008 | %TA | 1Y Trend | ||
| Balance Sheet | |||||||||
| Cash and Cash Equivalent | 13,331,892 | 11.4% | 12,678,567 | 10.9% | 9,036,405 | 9.9% |
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| Short-Term Investments and Deposits | 13,402,172 | 11.5% | 13,418,738 | 11.5% | 5,805,196 | 6.3% |
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| Liquidities and Short-Term Investments | 26,734,063 | 22.9% | 26,097,305 | 22.4% | 14,841,601 | 16.2% |
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| Gross Loan Portfolio | 86,044,395 | 73.8% | 86,720,366 | 74.4% | 72,295,716 | 79.0% |
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| Loan loss reserve | (3,669,465) | 3.1% | (3,604,281) | 3.1% | (2,130,519) | 2.3% |
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| Other Assets | 7,441,230 | 6.4% | 7,336,439 | 6.3% | 6,522,471 | 7.1% |
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| Total Assets | 116,550,223 | 100.0% | 116,549,828 | 100.0% | 91,529,269 | 100.0% |
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| Savings accounts | 50,440,690 | 43.3% | 49,605,915 | 42.6% | 32,689,623 | 35.7% |
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| Borrowings | 42,070,443 | 36.1% | 43,309,429 | 37.2% | 39,685,394 | 43.4% |
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| Other Liabilities | 4,309,778 | 3.7% | 4,040,022 | 3.5% | 3,153,861 | 3.4% |
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| Subordinated debt assimilated to capital | 3,243,423 | 2.8% | 3,125,046 | 2.7% | 2,107,019 | 2.3% |
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| Equity | 16,485,889 | 14.1% | 16,469,416 | 14.1% | 13,893,371 | 15.2% |
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| Total Equity and Liabilities | 116,550,223 | 100.0% | 116,549,828 | 100.0% | 91,529,269 | 100.0% |
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| Assets in foreign currency | 33,334,453 | 28.6% | 33,776,282 | 29.0% | 25,444,633 | 27.8% |
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| Liabilities in foreign currency | 39,900,167 | 34.2% | 40,678,498 | 34.9% | 32,665,420 | 35.7% |
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| Pledged Portfolio (to creditors) | 5,676,183 | 4.9% | 5,841,019 | 5.0% | 5,106,473 | 5.6% |
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| Profit & Loss | |||||||||
| Financial Income from Loan Portfolio | 4,571,062 | 93.3% | 20,451,070 | 91.6% | 16,574,164 | 93.2% |
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| Income from Investments and Other Operating Income | 328,097 | 6.7% | 1,868,718 | 8.4% | 1,218,586 | 6.8% |
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| Operating Income | 4,899,158 | 100.0% | 22,319,788 | 100.0% | 17,792,750 | 100.0% |
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| Financial expense from funding liabilities | (1,452,068) | 29.6% | (6,333,445) | 28.4% | (4,771,559) | 26.8% |
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| Loan loss provision expense | (609,465) | 12.4% | (3,512,228) | 15.7% | (1,724,451) | 9.7% |
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| Banking Expense | (2,061,533) | 42.1% | (9,845,673) | 44.1% | (6,496,010) | 36.5% |
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| Gross Margin | 2,837,625 | 57.9% | 12,474,115 | 55.9% | 11,296,740 | 63.5% |
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| Personnel expenses | (1,260,832) | 25.7% | (5,719,264) | 25.6% | (4,503,828) | 25.3% |
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| Staff training, Administrative and Other Operating expenses | (1,034,103) | 21.1% | (4,596,701) | 20.6% | (3,611,402) | 20.3% |
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| Operating expenses | (2,294,934) | 46.8% | (10,315,965) | 46.2% | (8,115,229) | 45.6% |
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| Operating Margin | 542,691 | 11.1% | 2,158,150 | 9.7% | 3,181,510 | 17.9% |
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| Non-operating income | 64,979 | 1.3% | 163,911 | 0.7% | 218,040 | 1.2% |
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| Non-operating expense | (94,761) | 1.9% | (580,771) | 2.6% | (464,973) | 2.6% |
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| FX gain / loss | 1,542 | 0.0% | 58,201 | 0.3% | (42,524) | (0.2%) |
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| Taxes | (118,580) | 2.4% | (446,555) | 2.0% | (580,944) | 3.3% |
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| Net Income | 395,871 | 8.1% | 1,352,935 | 6.1% | 2,311,109 | 13.0% |
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| Staff & Clients | |||||||||
| Number of loan officers | 199 | 0.0% | 198 | 0.0% | 171 | 0.0% |
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| Number of employees | 590 | 0.0% | 589 | 0.0% | 498 | 0.0% |
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| Number of loans outstanding | 50,974 | 0.0% | 50,866 | 0.0% | 43,475 | 0.0% |
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| Number of active borrowers | 51,605 | 0.0% | 51,500 | 0.0% | 43,782 | 0.0% |
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| Number of active savers/depositors | 51,275 | 0.0% | 51,206 | 0.0% | 35,787 | 0.0% |
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| SYM50- Cash and Cash Equivalent - Historic Data | Close |
| SYM50- Short-Term Investments and Deposits - Historic Data | Close |
| SYM50- Liquidities and Short-Term Investments - Historic Data | Close |
| SYM50- Gross Loan Portfolio - Historic Data | Close |
| SYM50- Loan loss reserve - Historic Data | Close |
| SYM50- Other Assets - Historic Data | Close |
| SYM50- Total Assets - Historic Data | Close |
| SYM50- Savings accounts - Historic Data | Close |
| SYM50- Borrowings - Historic Data | Close |
| SYM50- Other Liabilities - Historic Data | Close |
| SYM50- Subordinated debt assimilated to capital - Historic Data | Close |
| SYM50- Equity - Historic Data | Close |
| SYM50- Total Equity and Liabilities - Historic Data | Close |
| SYM50- Assets in foreign currency - Historic Data | Close |
| SYM50- Liabilities in foreign currency - Historic Data | Close |
| SYM50- Pledged Portfolio (to creditors) - Historic Data | Close |
| SYM50- Financial Income from Loan Portfolio - Historic Data | Close |
| SYM50- Income from Investments and Other Operating Income - Historic Data | Close |
| SYM50- Operating Income - Historic Data | Close |
| SYM50- Financial expense from funding liabilities - Historic Data | Close |
| SYM50- Loan loss provision expense - Historic Data | Close |
| SYM50- Banking Expense - Historic Data | Close |
| SYM50- Gross Margin - Historic Data | Close |
| SYM50- Personnel expenses - Historic Data | Close |
| SYM50- Staff training, Administrative and Other Operating expenses - Historic Data | Close |
| SYM50- Operating expenses - Historic Data | Close |
| SYM50- Operating Margin - Historic Data | Close |
| SYM50- Non-operating income - Historic Data | Close |
| SYM50- Non-operating expense - Historic Data | Close |
| SYM50- FX gain / loss - Historic Data | Close |
| SYM50- Taxes - Historic Data | Close |
| SYM50- Net Income - Historic Data | Close |
| SYM50- Number of loan officers - Historic Data | Close |
| SYM50- Number of employees - Historic Data | Close |
| SYM50- Number of loans outstanding - Historic Data | Close |
| SYM50- Number of active borrowers - Historic Data | Close |
| SYM50- Number of active savers/depositors - Historic Data | Close |