At a Glance


At a Glance
Resource Integration Centre (RIC)
Microcredit Information

Name of the Month: January 2018

Sl # Sectors June13 June14 June15 June 16 June 17 December17
1 No. of Working Districts 15 17 21 25 26  26
2 Total No. of Branches 94 103 135 149 148  148
3 Total No. of Committee/Groups 8390 9601 10290 11620 12,977  11,842
4 Total No. of Member’s 126725 147855 151118 171664 186,807  190,525
5 Member’s per Branch (Members/Branch) 1348 1435 1119 1152 1262 1287
6 Total Loanee 109417 121982 123700 144638 156,010  155,356
7 Queued 17,308 25,873 27,418 27,026 30,797  35,169
8 Loanee 86.34 82.50 81.86 84.26 83.51  81.54
9 Total Staff 879 916 1057 1197 1,282  1,426
10 Total Field Worker 461 474 533 598 638  645
11 Total Field Worker : Total Staff 1.91 1.93 1.98 2.00 2.01 1.99
12 Total Loan Disbursement by the current year 3096820000 3590164000 4246883000 5468712000 7,486,601,000  4,384,900,000
13 Current Recovery 2887296318 3282841584 3965749901 4462530450 6,280,077,750  3,942,294,844
14 Total Outstanding at field 1666677831 1974000247 2255133346 2,980,181,797.00 4,186,705,047  4,629,310,203
15 Total Savings (Cumm.) 2805509736 3572047656 4427047656 4731909736 5,408,209,736  5,792,609,736
16 Cumm. Principle Recovery 1991759744 2597657399 3288449064 3722693077 4,484,993,074  4,788,968,076
17 Cumm. Principle Outstanding 813749991.7 974390256.7 1138598592 1009216659 923,216,662  1,003,641,660
18 Finance Expenses 61174146.7 70,552,920 86,418,741 98228306.82 134,441,304  126,653,273
19 Cost of Borrowings = Interest paid on borrowings/ Avg. Borrowings 7.52 7.24 7.59 9.73 5.72 4.52
20 Savings interest 30405375.00 37158269.00 43557057.00 50418537.00 60510265.00 34525233.00
21 Cost of Savings= Interest paid on deposits/Avg. Deposits 4.89 5.19 5.24 5.20 5.03 2.55
22 Cummulative from Bank and others 2,337,726,383  3,298,083,258
23 Cumm. Principle recovery from bank and others 911,834,359  1,498,788,346
24 Credit Outstanding from bank and others 1,425,892,024  1,799,294,912
25 Total Savings 622250673 715366056 831629248 968927127 1203389329 1353170484
26 Total Savings and total outstanding rate (%) 37.33 36.24 36.88 32.51 28.74  29.23
27 Total Dues 92230420 110271461 81973825 108643682 170017592 223698924
28 Increase/decrease of total dues by the current year 18978256 37019297 -28297636 26669857 61373910 53681332
29 Total Bad Loan 69295446 82698593 45349551 73242845 97659798  119,244,647
30 Increase/decrease of total Bad Loan by the current year 2882083 16285230 -37349042 27893294 24416953  21,584,849
31 Rate of total Bad Loan and Total Dues (%) 75.13 75.00 55.32 67.42 57.44 53.31
32 Current Gross income 372198434.3 426316804.8 519055760.3 634236087.4 841,661,654.53  517,497,411.36
33 Current Gross Expenditure 334943951.6 371172667.2 461342086.1 547173901.4 702,749,390.86  422,859,211.43
34 Current Year Surplus 37,254,483 55,144,138 57,713,674 87,062,186 138,912,264  94,638,200
35 Current Year Surplus of Current Gross Income (%) 10.01 12.94 11.12 13.73 16.50 18.29
36 Cumulative Surpluses 263428013.5 319118063.2 380202647.4 471058316.5 609,200,416.10  704,609,967.03
37 Cumulative Expenditure 1727556605 2153796940 2672581702 3284749680 4,125,662,688.95  4,643,197,623.31
38 Cumulative Surpluses of Cumulative Gross Income (%) 15.25 14.82 14.23 14.34 14.77 15.18
39 Liquid/Usable Surplus (Cum Surplus – Fixed Assets) 235323267.5 289257331.2 344647348.4 418254742.5 543,677,915.10  609,745,710.03
40 Cash and Bank Outstanding 73949570.56 82339978.54 113481497.9 181069434.2 49,765,606.67  295,040,143.82
41 Salary Cost as % of Total Admin. Cost 67.66 59.08 49.29 67.53 66.54  66.70
42 Opareting expens 241169255.91 258640026.99 328276848.83 394228246.84 480,360,698.84  289,615,671.86
43 OSS : Gross Income 154.33% 164.83% 158.12% 160.88% 175.21% 178.68%
44 FSS : Gross Income 111.12% 114.86% 112.51% 115.91% 119.77% 122.38%
45 Loan Los provision ( LLP) 115945314 116885301 87177455 121969369 176,867,919.00  221,880,116.00
46 LLP Expense as a % of Total Expenses 7.39 7.95 6.56 6.95 7.12  7.50
47 Toal Investment 76922937.26 100063196.84 113072359.27 150558902.36 157,588,390.53  198,013,540.67
48 Toal Assets 1910300191.41 2241689308.60 2546461038.32 3375296648 4,474,677,801.20 5,242,666,454.49
49 Portfolio /Total Asset 87.25 88.06 88.56 88.29 93.56 88.30
50 Total Asset 100.00 100.00 100.00 100.00 100.00 100.00
51 Liquid Assets to Deposits 12.75 11.94 11.44 11.71 6.44 11.70
52 Portfolio Yield Interest Income/Avg. Gross loan outstanding 23.83 23.42 24.55 24.23 23.49 11.74
53 Net Surplus to Loan Outstanding 15.81 16.17 16.86 15.81 14.55 15.22
54 FY Net Surplus to Loan Outstanding 2.24 2.79 2.56 2.92 3.32 2.04
55 Return on Equety (ROE) 14.14 17.28 15.18 18.48 22.80 13.43
56 Return on Assets (ROA) 1.95 2.46 2.27 2.58 3.10 1.81
57 Borrowed fund to Equity 47.10 45.24 42.60 30.72 22.38 142.44
58 Overdue as % of Total Outstanding 5.53 5.59 3.63 3.65 4.06  4.83
59 Portfolio At Risk (%) 6.30 6.09 4.59 4.17 5.77  6.50
60 Gross Average Credit Disbursement (Current Month) 0.00 0.00 0.00 0.00 38,602  41,351
61 Loanee: Outstanding 15232 16183 18231 20604 26836 29798
62 Members: Savings 4910 4838 5503 5644 6442 7102
63 Loan/Credit: Savings 37.33% 36.24% 36.88% 32.51% 28.74% 29.23%
64 Field worker: Member 275 312 284 287 293 295
65 Field worker:Loanee 237 257 232 242 245 241
66 Field worker: Outstanding 3615353 4164557 4231019 4983582 6562234 7177225
67 Debt to Capital Ratio 5.75 5.51 5.11 4.52 4.48  3.68
68 Capital Adequacy Ratio 15.02 15.48 16.46 20.09 19.13  23.66
69 Debt Service Cover Ratio 2.86 1.08 1.08 1.08 1.10 2.05
70 Liquidity Ratio 8.88 9.14 7.44 10.50 13.01 31.05
71 Current Ratio 1.54 1.20 1.49 2.17 1.55  1.63
72 Rate of Return Ratio  This Years 15.46 18.93 13.32 20.45 25.72  14.41
73 Cumm. Recovery Rate 99.26 99.30 99.58 99.56 99.45 99.35
74 On Time Realization (OTR) 99.05 99.20 98.62 99.52 97.29 96.78
75 Cumulitive Disbursmant     21,937,949,000.00 27,406,995,000.00 34894032000.00 39045650000