At a Glance


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

Name of the Month: January 2019

Sl No. Particulars Jun-14 Jun-15 Jun-16 Jun-17 Jun-18 Jan-19
1 District coverage 17 21 25 26 26 26
2 Total branch 103 135 149 148 147 147
3 Total groups 9601 10290 11620 12977 12323 12,744
4 Total member 147855 151118 171664 186807 182043 182,533
5 Members/Branch 1435 1119 1152 1262 1238 1242
6 Total borrower 121982 123700 144638 156010 145562 142,941
7 Waiting for loan received 25,873 27,418 27,026 30,797 36,481 39,592
8 Borrower coverage 82.50 81.86 84.26 83.51 79.96 78.31
9 Total staff 916 1057 1197 1282 1245 1,226
10 Total Credit officer 474 533 598 638 646 640
11 Credit officer: Total staff 1.93 1.98 2.00 2.01 1.70 1.69
12 Loan disburse financial year 3590164000 4246883000 5468712000 7486601000 9194887000 5,665,384,000
13 Loan recovery financial year 3282841584 3965749901 4462530450 6280077750 8301929087 5,247,521,004
14 Total portfolio 1974000247 2255133346 2980181797 4186705047 5079662960 5,497,525,956
15 Fund received from PKSF (Cumm.) 3572047656 4427047656 4731909736 5408209736 6129209736 6,529,209,736
16 Fund refund to PKSF (Cumm.) 2597657399 3288449064 3722693077 4484993074 5130401410 5,539,451,402
17 Fund outstanding PKSF 974390256.7 1138598592 1009216659 923216662 998808326 989,758,334
18 Finance expenses 70,552,920 86,418,741 98228306.82 134441303.7 278905974.6 192,841,434
19 Cost of borrower = Interest paid on borrower/ Borrower 7.24 7.59 9.73 5.72 9.03 6.62
20 Savings interest payment 37158269.00 43557057.00 50418537.00 61405404.00 75960055.00 41540581.00
21 Cost of savings= interest paid on deposits/Avg. deposits 5.19 5.24 5.20 5.03 4.99 2.40
22 Fund received form Bank & Others (Cumm) 2,337,726,383 4,184,477,471 4,824,928,058
23 Fund refund to Bank & Others (Cumm) 911,834,359 2,093,403,260 2,902,309,587
24 Fund outstanding Bank & Others 1,425,892,024 2,091,074,211 1,922,618,471
25 Savings Outstanding 715366056 831629248 968927127 1203389329 1521473429 1730071525
26 Total Savings : Loan outstanding % 36.23941066 36.87716513 32.51234968 28.7431122 29.95225158 31.47
27 Total due 110271461 81973825 108643682 170017592 207383352 266515303
28 Total due (decrease/increase F/Y) 37019297 -28297636 26669857 61373910 37365760 59131951
29 Total bad loan 82698593 45349551 73242845 97659798 96609711 150,644,936
30 Total bad loan (decrease/increase F/Y) 16285230 -37349042 27893294 24416953 -1050087 52,985,138
31 Total bad loan against due (%) 74.99546324 55.32 67.42 57.44 46.59 56.52
32 Total Income (F/Y) 426316804.8 519055760.3 634236087.4 841661654.5 1109547379 739,558,520.28
33 Total Expenses (F/Y) 371172667.2 461342086.1 547173901.4 702749390.9 904624541.3 581,108,566.30
34 Total Surplus (F/Y) 55,144,138 57,713,674 87,062,186 138,912,264 204,922,837 158,449,954
35 Total net income (F/Y) total income (%) 12.94 11.12 13.73 16.50 18.47 21.42
36 Surplus income (Cumm) 319118063.2 380202647.4 471058316.5 609200416.1 822704117.8 981,880,135.79
37 Total Income (Cumm) 2153796940 2672581702 3284749680 4125662689 5242293105 5,981,842,858.20
38 Total net surplus (Cumm) total income (%) 14.82 14.23 14.34 14.77 15.69 16.41
39 Liquid/Usable Surplus (Cum Surplus – Fixed Assets) 289257331.2 344647348.4 418254742.5 543677915.1 721292519.8 777,373,597.21
40 Cash in hand and Cash at Bank 82339978.54 113481497.9 181069434.2 49765606.67 375870510.1 211,140,783.46
41 Salary Cost as % of Total Admin. Cost 59.08 49.29 67.53 66.54 66.10 65.40
42 Operating expense 258640026.99 328276848.83 394228246.84 480360698.84 615682007.69 383,541,894.36
43 OSS: Gross Income 164.83% 158.12% 160.88% 175.21% 180.21% 192.82%
44 FSS: Gross Income 114.86% 112.51% 115.91% 119.77% 122.65% 127.27%
45 Loan Los provision (LLP) 116885301 87177455 121969369 176867919 213023709 271,159,027.00
46 LLP Expense as a % of Total Expenses 7.95 6.56 6.95 7.12 7.73 8.00
47 Total investment 100063196.84 113072359.27 150558902.36 157588390.53 215196425.52 237,696,425.52
48 Total asset 2241689308.60 2546461038.32 3375296648 4474677801 5813807343 6,104,121,891.98
49 Portfolio /Total Asset 88.06 88.56 88.29 93.56 87.37 90.06
50 Total Asset 100.00 100.00 100.00 100.00 100.00 100.00
51 Liquid Assets to Deposits 11.94 11.44 11.71 6.44 12.63 9.94
52 Portfolio Yield = Interest Income/Avg. Gross loan outstanding 23.42 24.55 24.23 23.49 15.27
53 Net Surplus to Loan Outstanding 16.17 16.86 15.81 14.55 16.20 17.86
54 FY Net Surplus to Loan Outstanding 2.79 2.56 2.92 3.32 4.03 2.88
55 Return on Equety (ROE) 17.28 15.18 18.48 22.80 24.91 16.14
56 Return on Assets (ROA) 2.46 2.27 2.58 3.10 3.98 2.60
57 Borrowed fund to Equity 3.05 2.99 2.14 3.86 3.76 2.97
58 Loan Revolving fund to Equity 6.19 5.93 6.33 6.87 6.17 5.60
59 Overdue as % of Total Outstanding 5.59 3.63 3.65 4.06 4.08 4.85
60 Portfolio at Risk (%) 6.09 4.59 4.17 5.77 5.43 6.07
61 Avarage loan disbursement this month 0.00 0.00 0.00 38602.09 48008.11 65,994
62 borrower: Portfolio 16183 18231 20604 26836 34897 38460
63 Member: Savings 4838 5503 5644 6442 8358 9478
64 Portfolio: Savings 36.24% 36.88% 32.51% 28.74% 29.95% 31.47%
65 Credit Officer: Member 312 284 287 293 282 285
66 Credit Officer: borrower 257 232 242 245 225 223
67 Credit Officer: Portfolio 4164557 4231019 4983582 6562234 7863255 8589884
68 Debt to Capital Ratio 5.51 5.11 4.52 4.62 5.79 4.73
69 Capital Adequacy Ratio 15.48 16.46 20.09 19.13 20.09 15.86
70 Debt Service Cover Ratio 1.08 1.08 1.08 1.87 1.96 2.06
71 Liquidity Ratio 9.14 7.44 10.50 13.01 14.19 13.75
72 Current Ratio 1.20 1.49 2.17 1.55 1.96 1.41
73 Rate of Return Ratio This Years 18.93 13.32 20.45 25.72 28.62 17.56
74 Cumm. Recovery Rate 99.30 99.58 99.56 99.45 99.32 99.40
75 On Time Realization (OTR) 99.20 98.62 99.52 97.29 98.65 96.42
76 Cumulitive Disbursmant 21937949000 27406995000 34894032000 43806583000 49768144000
77 Revolving Ratio 1.25 1.27 1.27 1.82