At a Glance


At a Glance
Resource Integration Centre (RIC)
Micro-credit Information

Name of the Month: October 2018

Sl # Sectors June 16 March 18 August 18 September 18 October 18
1 No. of Working Districts 25 26 26 26 26
2 Total No. of Branches 149 147 147 148 147
3 Total No. of Committee/Groups 11620 12,026 12,061 12,362 12,442
4 Total No. of Member’s 171664 191,498 180,628 179,427 179,527
5 Member’s per Branch (Members/Branch) 1152 1303 1229 1212 1221
6 Total Borrower 144638 155,893 144,413 144,038 143,075
7 Queued Members 27,026 35,605 36,215 35,389 36,452
8 Loan Coverage 84.26 81.41 79.95 80.28 79.70
9 Total Staff 1197 1,458 1,234 1,236 1,233
10 Total Field Worker 598 656 647 648 644
11 Field Worker: Staff 2.00 2.00 1.68 1.68 1.69
12 Total Loan Disbursement by the current year 5468712000 6,648,194,000 1,207,195,000 1,881,097,000 2,569,850,000
13 Current Recovery 4462530450 5,730,193,409 1,210,765,008 1,866,694,733 2,565,918,004
14 Total Outstanding at the field 2,980,181,797.00 5,104,705,638 5,076,092,952 5,094,065,227 5,083,594,956
15 Total Savings (Cumm.) 4731909736 5,964,209,736 6,279,209,736 6,279,209,736 6,279,209,736
16 Cumm. Principle Recovery 3722693077 4,903,251,409 5,249,418,075 5,252,609,741 5,322,209,740
17 Cumm. Principle Outstanding 1009216659 1,060,958,327 1,029,791,661 1,026,599,995 956,999,996
18 Finance Expenses 98228306.82 176,734,063 47,153,481 63,557,754 84,885,547
19 Cost of Borrowings = Interest paid on borrowings/ Avg. Borrowings 9.73 5.85 1.57 2.14 2.95
20 Savings interest 50418537.00 34797418.00 68136.00 352740.00 924649.00
21 Cost of Savings= Interest paid on deposits/Avg. Deposits 5.20 2.43 0.00 0.02 0.06
22 Cumulative from Bank and others 3,746,437,508 4,334,663,096 4,434,663,096 4,534,703,058
23 Cumm. Principle recovery from bank and others 1,787,950,667 2,358,468,430 2,496,675,060 2,618,508,394
24 Credit Outstanding from bank and others 1,958,486,841 1,976,194,665 1,937,988,035 1,916,194,664
25 Total Savings 968927127 1431571774 1558802168 1589627377 1614615403
26 Total Savings and total outstanding rate (%) 32.51 28.04 30.71 31.21 31.76
27 Total Dues 108643682 246959480 226922549 236216153 244732668
28 Increase/decrease of total dues by the current year 26669857 76941888 19539197 28832801 37349316
29 Total Bad Loan 73242845 135,200,450 112,054,409 119,726,132 127,347,145
30 Increase/decrease of total Bad Loan by the current year 27893294 37,540,652 14,394,611 22,066,334 29,687,347
31 Rate of total Bad Loan and Total Dues (%) 67.42 54.75 49.38 50.68 52.04
32 Current Gross income 634236087.4 759,927,759.55 167,668,613.00 258,166,466.00 354,307,057.00
33 Current Gross Expenditure 547173901.4 591,464,009.48 159,182,880.34 229,110,793.27 304,737,182.47
34 Current Year Surplus 87,062,186 168,463,750 8,485,733 29,055,673 49,569,875
35 Current Year Surplus of Current Gross Income (%) 13.73 22.17 5.06 11.25 13.99
36 Cumulative Surpluses 471058316.5 778,435,517.17 831,708,476.47 852,316,956.54 872,890,927.34
37 Cumulative Total Income 3284749680 4,885,627,971.50 5,409,961,718.92 5,500,459,571.92 5,596,600,162.92
38 Cumulative Surpluses of Cumulative Gross Income (%) 14.34 15.93 15.37 15.50 15.60
39 Liquid/Usable Surplus (Cum Surplus – Fixed Assets) 418254742.5 676,238,116.17 645,719,821.89 663,618,920.96 681,175,305.76
40 Cash and Bank Outstanding 181069434.2 178,715,362.97 364,438,340.23 342,613,423.11 312,037,389.05
41 Salary Cost as % of Total Admin. Cost 67.53 67.17 65.83 65.75 65.75
42 Operating expense 394228246.84 405,657,430.16 110,192,811.94 162,816,506.94 216,301,956.16
43 OSS: Gross Income 160.88% 187.33% 152.16% 158.56% 163.80%
44 FSS: Gross Income 115.91% 128.48% 105.33% 112.68% 116.27%
45 Loan Los provision (LLP) 121969369 221,880,116.00 230,597,020.00 239,544,459.00 247,467,703.00
46 LLP Expense as a % of Total Expenses 6.95 7.19 7.85 7.92 7.97
47 Toal Investment 150558902.36 208,013,540.67 215,196,425.52 237,696,425.52 237,696,425.52
48 Toal Assets 3375296648 5,620,856,411.64 5,802,196,920.75 5,824,306,651.63 5,786,368,381.57
49 Portfolio /Total Asset 88.29 90.82 87.49 87.46 87.85
50 Total Asset 100.00 100.00 100.00 100.00 100.00
51 Liquid Assets to Deposits 11.71 9.18 12.51 12.54 12.15
52 Portfolio Yield Interest Income/Avg. Gross loan outstanding 24.23 16.36 3.62 5.56 7.64
53 Net Surplus to Loan Outstanding 15.81 15.25 16.38 16.73 17.17
54 FY Net Surplus to Loan Outstanding 2.92 3.30 0.17 0.57 0.98
55 Return on Equety (ROE) 18.48 21.64 1.02 3.41 5.68
56 Return on Assets (ROA) 2.58 3.00 0.15 0.50 0.86
57 Borrowed fund to Equity 2.14 3.88 3.61 3.48 3.29
58 Loan Revolving fund to Equity 6.33 6.56 6.10 5.98 5.82
59 Overdue as % of Total Outstanding 3.65 4.84 4.47 4.64 4.81
60 Portfolio At Risk (%) 4.17 6.07 6.29 6.56 6.61
61 Gross Average Credit Disbursement (Current Month) 0.00 63,187 67,861 63,774 65,909
62 Debtor: Loan Outstanding 20604 32745 35150 35366 35531
63 Members: Savings 5644 7476 8630 8859 8994
64 Loan/Credit: Savings 32.51% 28.04% 30.71% 31.21% 31.76%
65 Field worker: Member 287 292 279 277 279
66 Field worker: Loanee 242 238 223 222 222
67 Field worker: Outstanding 4983582 7781563 7845584 7861212 7893781
68 Debt to Capital Ratio 4.52 5.39 5.49 5.34 5.14
69 Capital Adequacy Ratio 20.09 15.71 15.74 15.87 16.09
70 Debt Service Cover Ratio 1.08 2.20 1.18 1.46 1.59
71 Liquidity Ratio 10.50 21.92 13.97 14.52 14.37
72 Current Ratio 2.17 1.66 1.49 1.41 1.40
73 Rate of Return Ratio This Years 20.45 24.28 1.03 3.47 5.85
74 Cumm. Recovery Rate 99.56 99.33 99.44 99.42 99.41
75 On Time Realization (OTR) 99.52 96.64 96.41 96.40 96.36
76 Cumulative Disbursement 27,406,995,000.00 41279735000 44987000000 45625693000 46287194000

Year wise at a glance

  1.  At glance 2018