At a Glance


At a Glance
Resource Integration Centre (RIC)
Microcredit Information

Name of the Month: March 2018

Sl # Sectors June14 June15 June 16 June 17 December17 March  18
1 No. of Working Districts 17 21 25 26 26 26
2 Total No. of Branches 103 135 149 148 148 147
3 Total No. of Committee/Groups 9601 10290 11620 12,977 11,842 12,026
4 Total No. of Member’s 147855 151118 171664 186,807 190,525 191,498
5 Member’s per Branch (Members/Branch) 1435 1119 1152 1262 1287 1303
6 Total Borrower 121982 123700 144638 156,010 155,356 155,893
7 Queued Members 25,873 27,418 27,026 30,797 35,169 35,605
8 Loan Coverage 82.50 81.86 84.26 83.51 81.54 81.41
9 Total Staff 916 1057 1197 1,282 1,426 1,458
10 Total Field Worker 474 533 598 638 645 656
11 Field Worker : Staff 1.93 1.98 2.00 2.01 1.99 2.00
12 Total Loan Disbursement by the current year 3590164000 4246883000 5468712000 7,486,601,000 4,384,900,000 6,648,194,000
13 Current Recovery 3282841584 3965749901 4462530450 6,280,077,750 3,942,294,844 5,730,193,409
14 Total Outstanding at field 1974000247 2255133346 2,980,181,797.00 4,186,705,047 4,629,310,203 5,104,705,638
15 Total Savings (Cumm.) 3572047656 4427047656 4731909736 5,408,209,736 5,792,609,736 5,964,209,736
16 Cumm. Principle Recovery 2597657399 3288449064 3722693077 4,484,993,074 4,788,968,076 4,903,251,409
17 Cumm. Principle Outstanding 974390256.7 1138598592 1009216659 923,216,662 1,003,641,660 1,060,958,327
18 Finance Expenses 70,552,920 86,418,741 98228306.82 134,441,304 126,653,273 176,734,063
19 Cost of Borrowings = Interest paid on borrowings/ Avg. Borrowings 7.24 7.59 9.73 5.72 4.52 5.85
20 Savings interest 37158269.00 43557057.00 50418537.00 60510265.00 34525233.00 34797418.00
21 Cost of Savings= Interest paid on deposits/Avg. Deposits 5.19 5.24 5.20 5.03 2.55 2.43
22 Cummulative from Bank and others 2,337,726,383 3,298,083,258 3,746,437,508
23 Cumm. Principle recovery from bank and others 911,834,359 1,498,788,346 1,787,950,667
24 Credit Outstanding from bank and others 1,425,892,024 1,799,294,912 1,958,486,841
25 Total Savings 715366056 831629248 968927127 1203389329 1353170484 1431571774
26 Total Savings and total outstanding rate (%) 36.24 36.88 32.51 28.74 29.23 28.04
27 Total Dues 110271461 81973825 108643682 170017592 223698924 246959480
28 Increase/decrease of total dues by the current year 37019297 -28297636 26669857 61373910 53681332 76941888
29 Total Bad Loan 82698593 45349551 73242845 97659798 119,244,647 135,200,450
30 Increase/decrease of total Bad Loan by the current year 16285230 -37349042 27893294 24416953 21,584,849 37,540,652
31 Rate of total Bad Loan and Total Dues (%) 75.00 55.32 67.42 57.44 53.31 54.75
32 Current Gross income 426316804.8 519055760.3 634236087.4 841,661,654.53 517,497,411.36 759,927,759.55
33 Current Gross Expenditure 371172667.2 461342086.1 547173901.4 702,749,390.86 422,859,211.43 591,464,009.48
34 Current Year Surplus 55,144,138 57,713,674 87,062,186 138,912,264 94,638,200 168,463,750
35 Current Year Surplus of Current Gross Income (%) 12.94 11.12 13.73 16.50 18.29 22.17
36 Cumulative Surpluses 319118063.2 380202647.4 471058316.5 609,200,416.10 704,609,967.03 778,435,517.17
37 Cumulative Total Income 2153796940 2672581702 3284749680 4,125,662,688.95 4,643,197,623.31 4,885,627,971.50
38 Cumulative Surpluses of Cumulative Gross Income (%) 14.82 14.23 14.34 14.77 15.18 15.93
39 Liquid/Usable Surplus (Cum Surplus – Fixed Assets) 289257331.2 344647348.4 418254742.5 543,677,915.10 609,745,710.03 676,238,116.17
40 Cash and Bank Outstanding 82339978.54 113481497.9 181069434.2 49,765,606.67 295,040,143.82 178,715,362.97
41 Salary Cost as % of Total Admin. Cost 59.08 49.29 67.53 66.54 66.70 67.17
42 Operating expens 258640026.99 328276848.83 394228246.84 480,360,698.84 289,615,671.86 405,657,430.16
43 OSS : Gross Income 164.83% 158.12% 160.88% 175.21% 178.68% 187.33%
44 FSS : Gross Income 114.86% 112.51% 115.91% 119.77% 122.38% 128.48%
45 Loan Los provision ( LLP) 116885301 87177455 121969369 176,867,919.00 221,880,116.00 221,880,116.00
46 LLP Expense as a % of Total Expenses 7.95 6.56 6.95 7.12 7.50 7.19
47 Toal Investment 100063196.84 113072359.27 150558902.36 157,588,390.53 198,013,540.67 208,013,540.67
48 Toal Assets 2241689308.60 2546461038.32 3375296648 4,474,677,801.20 5,242,666,454.49 5,620,856,411.64
49 Portfolio /Total Asset 88.06 88.56 88.29 93.56 88.30 90.82
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 11.70 9.18
52 Portfolio Yield Interest Income/Avg. Gross loan outstanding 23.42 24.55 24.23 23.49 11.74 16.36
53 Net Surplus to Loan Outstanding 16.17 16.86 15.81 14.55 15.22 15.25
54 FY Net Surplus to Loan Outstanding 2.79 2.56 2.92 3.32 2.04 3.30
55 Return on Equety (ROE) 17.28 15.18 18.48 22.80 13.43 21.64
56 Return on Assets (ROA) 2.46 2.27 2.58 3.10 1.81 3.00
57 Borrowed fund to Equity 3.05 2.99 2.14 3.86 3.05 3.88
58 Loan Revolving fund to Equity 6.19 5.93 6.33 6.87 6.19 6.56
59 Overdue as % of Total Outstanding 5.59 3.63 3.65 4.06 4.83 4.84
60 Portfolio At Risk (%) 6.09 4.59 4.17 5.77 6.50 6.07
61 Gross Average Credit Disbursement (Current Month) 0.00 0.00 0.00 38,602 41,351 63,187
62 Debtor: Loan Outstanding 16183 18231 20604 26836 29798 32745
63 Members: Savings 4838 5503 5644 6442 7102 7476
64 Loan/Credit: Savings 36.24% 36.88% 32.51% 28.74% 29.23% 28.04%
65 Field worker: Member 312 284 287 293 295 292
66 Field worker:Loanee 257 232 242 245 241 238
67 Field worker: Outstanding 4164557 4231019 4983582 6562234 7177225 7781563
68 Debt to Capital Ratio 5.51 5.11 4.52 4.48 3.68 5.39
69 Capital Adequacy Ratio 15.48 16.46 20.09 19.13 23.66 15.71
70 Debt Service Cover Ratio 1.08 1.08 1.08 1.10 2.05 2.20
71 Liquidity Ratio 9.14 7.44 10.50 13.01 31.05 21.92
72 Current Ratio 1.20 1.49 2.17 1.55 1.63 1.66
73 Rate of Return Ratio  This Years 18.93 13.32 20.45 25.72 14.41 24.28
74 Cumm. Recovery Rate 99.30 99.58 99.56 99.45 99.35 99.33
75 On Time Realization (OTR) 99.20 98.62 99.52 97.29 96.78 96.64
76 Cumulitive Disbursmant 21,937,949,000.00 27,406,995,000.00 34894032000.00 39045650000 41279735000