| INDICATORS |
FY 2013-14 |
FY 2014-15 |
FY 2015-16 |
FY 2016-17 |
FY 2017-18 |
| GENERAL INFORMATION |
|
|
|
|
|
| Number of Branch |
102 |
124 |
162 |
188 |
178 |
| Total Assets (Tk. in Crore) |
347.13 |
371.76 |
566.66 |
904.87 |
1,370.00 |
| Net Income during the year (Tk. in Crore) |
17.63 |
17.31 |
27.69 |
56.93 |
57.43 |
| Total Equity (Tk. in Crore) |
71.85 |
89.55 |
117.95 |
177.65 |
232.78 |
| Total Staff |
646 |
758 |
1,013 |
1,555 |
2,672 |
| FINANCING STRUCTURE |
|
|
|
|
|
| Capital/Asset Ratio |
20.70% |
24.09 |
20.82% |
19.63% |
16.99% |
| Debt to Equity Ratio |
3.20 |
2.61 |
3.25 |
3.61 |
4.31 |
| Portfolio to Assets |
74.88% |
76.24% |
81.43% |
82.80% |
86.54% |
| OVERALL FINANCIAL PERFORMANCE |
|
|
|
|
|
| Return on Assets |
5.56% |
4.81% |
5.90% |
7.74% |
5.05% |
| Return on Equity |
27.77% |
21.44% |
26.69% |
38.52% |
27.98% |
| Operational Self-Sufficiency |
107.34% |
116.67% |
106.99% |
112.38% |
111.35% |
| Overall Self-Sufficiency |
123.85% |
120.13% |
128.15% |
139.21% |
124.97% |
| REVENUES |
|
|
|
|
|
| Financial Revenues/Assets |
26.19% |
26.62% |
25.31% |
26.49% |
24.16% |
| Profit Margin |
19.26% |
16.76% |
21.96% |
28.16% |
19.98% |
| Yield on Gross Portfolio |
22.49% |
25.92% |
20.90% |
21.21% |
21.42% |
| EXPENSES |
|
|
|
|
|
| Total Expenses/Assets |
21.29% |
23.12% |
17.36% |
16.05% |
16.78% |
| Financial Expenses/Assets |
4.63% |
5.11% |
3.73% |
4.45% |
5.00% |
| Operating Expenses/Assets |
18.25% |
18.64% |
16.46% |
14.26% |
14.19% |
| Personnel Expenses/Assets |
9.10% |
9.11% |
8.97% |
8.40% |
8.18% |
| Administrative Expenses/Assets |
8.17% |
7.81% |
6.45% |
4.83% |
4.20% |
| OUTREACH INDICATORS |
|
|
|
|
|
| Number of Borrower |
133,362 |
134,362 |
165,883 |
193,280 |
236,338 |
| Loan Portfolio (Tk. in Crore) |
259.92 |
283.44 |
461.45 |
749.26 |
1,185.55 |
| Average Loan Balance per Borrower |
19,490 |
21,095 |
27,818 |
38,765 |
50,163 |
| Growth in Average Outstanding per Borrower |
25.13% |
9.05% |
62.80% |
62.80% |
58.23% |
| Cost per Borrower |
2,545 |
2,683 |
2,611 |
3,229 |
5,404 |
| Cost per Loan |
2,188 |
2,382 |
2,469 |
1,992 |
4,519 |
| Portfolio at Risk |
2.99% |
5.22% |
3.83% |
1.96% |
3.89% |
| PRODUCTIVITY |
|
|
|
|
|
| Borrower per Staff |
132 |
124 |
126 |
110 |
118 |
| Loan Outstanding per Staff (In Lac) |
25.71 |
26.22 |
34.96 |
42.74 |
58.95 |
| RISK COVERAGE AND LIQUIDITY |
|
|
|
|
|
| Write-off Ratio |
0.51% |
0.37% |
0.53% |
1.32% |
0.19% |
| Loan Loss Rate |
0.50% |
0.36% |
0.52% |
1.31% |
0.19% |
| Risk Coverage Ratio |
109.84% |
111.29% |
118.62% |
103.07% |
92.13% |
| Non-earning Liquid Assets as a % of Total Assets |
13.99% |
9.63% |
5.80% |
5.10% |
3.31% |
