SAJIDA FOUNDATION

5 Years Microfinance Performance Analysis (Amount in BDT)
INDICATORSFY 2013-14FY 2014-15FY 2015-16FY 2016-17FY 2017-18
GENERAL INFORMATION     
Number of Branch 102 124162188178
Total Assets (Tk. in Crore) 347.13 371.76566.66904.871,370.00
Net Income during the year (Tk. in Crore)17.6317.31 27.6956.9357.43
Total Equity (Tk. in Crore)71.8589.55117.95177.65232.78
Total Staff6467581,013 1,5552,672
FINANCING STRUCTURE
Capital/Asset Ratio20.70% 24.0920.82% 19.63%16.99%
Debt to Equity Ratio 3.20 2.61 3.253.61 4.31
Portfolio to Assets74.88%76.24%81.43%82.80%86.54%
OVERALL FINANCIAL PERFORMANCE
Return on Assets5.56%4.81%5.90%7.74%5.05%
Return on Equity27.77%21.44%26.69%38.52%27.98%
Operational Self-Sufficiency107.34%116.67%106.99%112.38%111.35%
Overall Self-Sufficiency123.85%120.13%128.15%139.21%124.97%
REVENUES
Financial Revenues/Assets26.19%26.62%25.31%26.49%24.16%
Profit Margin19.26%16.76%21.96%28.16%19.98%
Yield on Gross Portfolio22.49%25.92%20.90%21.21%21.42%
EXPENSES
Total Expenses/Assets21.29%23.12%17.36%16.05%16.78%
Financial Expenses/Assets4.63%5.11%3.73%4.45%5.00%
Operating Expenses/Assets18.25%18.64%16.46%14.26%14.19%
Personnel Expenses/Assets9.10%9.11%8.97%8.40%8.18%
Administrative Expenses/Assets8.17%7.81%6.45%4.83%4.20%
OUTREACH INDICATORS
Number of Borrower 133,362134,362165,883193,280236,338
Loan Portfolio (Tk. in Crore)259.92283.44461.45 749.261,185.55
Average Loan Balance per Borrower19,49021,09527,81838,76550,163
Growth in Average Outstanding per Borrower25.13%9.05%62.80%62.80%58.23%
Cost per Borrower 2,5452,6832,6113,2295,404
Cost per Loan2,1882,3822,4691,9924,519
Portfolio at Risk2.99%5.22%3.83%1.96%3.89%
PRODUCTIVITY
Borrower per Staff132124126110118
Loan Outstanding per Staff (In Lac)25.7126.2234.9642.7458.95
RISK COVERAGE AND LIQUIDITY
Write-off Ratio0.51%0.37%0.53%1.32%0.19%
Loan Loss Rate0.50%0.36%0.52%1.31%0.19%
Risk Coverage Ratio109.84%111.29%118.62%103.07%92.13%
Non-earning Liquid Assets as a % of Total Assets13.99%9.63%5.80%5.10%3.31%