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& Impact |
| |
30/06/11 |
30/06/10 |
30/06/09 |
30/06/08 |
30/06/07 |
| Exchange Rate used for Conversion
|
72
BDT |
69
BDT |
69
BDT |
69
BDT |
69
BDT |
| Balance Sheet
|
| Gross Loan Portfolio (in US$)
|
8553210
|
7,404,068 |
6,125,409 |
5,991,697 |
5,360,266 |
| Total Assets (in US$)
|
11655148
|
10,141,763 |
7,897,489 |
7,090,663 |
6,058,500 |
| Savings (in US$) |
|
3,657,955 |
3,338,263 |
3,079,395 |
2,694,189 |
| Total Equity (in US$)
|
|
2,150,745 |
1,891,618 |
1,851,251 |
1,657,916 |
|
Financing Structure |
| Capital / Asset Ratio |
% |
21.21% |
23.95% |
26.11% |
27.37% |
| Debt / Equity Ratio |
% |
129% |
71% |
62.19% |
64.16% |
| Deposits to Loans |
% |
49.40% |
54.50% |
51.39% |
50.26% |
| Deposits to Total Assets |
% |
36.07% |
42.27% |
43.43% |
44.47% |
| Gross Loan Portfolio /Total
Assets |
% |
73% |
77.56% |
84.50% |
88.48% |
| Overall Financial
Performance |
| Return on Assets (%) |
% |
15.48% |
17.97% |
20.25% |
19.68% |
| Return on Equity (%) |
% |
72.98% |
75.03% |
77.56% |
71.91% |
| Operational Self-Sufficiency
(%) |
% |
116.01% |
100.75% |
115.57% |
147.51% |
| Revenues |
| Financial Revenue Ratio (%)
|
% |
23.20% |
23.43% |
25.30% |
26.01% |
| Profit Margin (%) |
% |
13.80% |
0.75% |
13.48% |
33.77% |
| Expenses |
| Total Expense Ratio (%) |
% |
13.34% |
17.84% |
17.52% |
13.34% |
| Financial Expense Ratio (%)
|
% |
3.78% |
4.46% |
4.88% |
4.87% |
| Loan Loss Provision Expense
Ratio (%) |
% |
1.31%
|
3.64%
|
3.66%
|
0.57%
|
| Operating Expense Ratio (%)
|
% |
15.67% |
18.97% |
17.54% |
12.57% |
| Efficiency
|
| Operating Expense / Loan Portfolio
(%) |
% |
14.31% |
18.76% |
16.62% |
10.75% |
| Cost per Borrower-US$ |
|
14.36 |
17 |
14.80 |
9.19 |
| Productivity
|
| Borrowers per Staff member |
|
238.07 |
210.65 |
110.31 |
195.95 |
| Savers per Staff member |
|
260 |
237 |
223 |
211.55 |
| Risk
|
| Portfolio at Risk > 30 days
Ratio (%) |
% |
4.30% |
3.90% |
1.72% |
0.56% |
| Loan Loss Reserve Ratio (%)
|
% |
8.61% |
9.52% |
6.52% |
3.20% |
| Risk Coverage Ratio (%) |
% |
199.86%
|
248.41%
|
134.23%
|
570.80%
|
| Write Off Ratio (%) |
% |
0% |
0% |
0% |
0% |
| DISCLOSURE INFORMATION
|
| |
2011
|
2010 |
2009 |
2008 |
2007 |
| Audited financial statements
|
|
2010 |
2009 |
2008 |
2007 |
| Audit Firm |
|
Zoha Zaman Kabir Rashid & Co. |
Khan Wahab Shafique Rahman & Co. |
Khan Wahab Shafique Rahman & Co. |
Khan Wahab Shafique Rahman & Co. |
| Compliance with
CGAP disclosure guidelines |
|
|
|
|
|
|
|
All ratios are
calculated from US dollar conversion of local currency financial
information. As a different exchange rate is applied to each end
of year data set, the resulting ratio can differ from those calculated
from the local currency financial information. All ratios
are calculated from US dollar conversion of local currency
financial information. As a different exchange rate is applied to
each end of year data set, the resulting ratio can differ from those
calculated from the local currency financial information.
|
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