At a Glance


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

Name of the Month: September 2018

Sl # Sectors June 15 June 16 March 18 August 18 September 18
1 No. of Working Districts 21 25 26 26 26
2 Total No. of Branches 135 149 147 147 148
3 Total No. of Committee/Groups 10290 11620 12,026 12,061 12,362
4 Total No. of Member’s 151118 171664 191,498 180,628 179,427
5 Member’s per Branch (Members/Branch) 1119 1152 1303 1229 1212
6 Total Borrower 123700 144638 155,893 144,413 144,038
7 Queued Members 27,418 27,026 35,605 36,215 35,389
8 Loan Coverage 81.86 84.26 81.41 79.95 80.28
9 Total Staff 1057 1197 1,458 1,234 1,236
10 Total Field Worker 533 598 656 647 648
11 Field Worker: Staff 1.98 2.00 2.00 1.68 1.68
12 Total Loan Disbursement by the current year 4246883000 5468712000 6,648,194,000 1,207,195,000 1,881,097,000
13 Current Recovery 3965749901 4462530450 5,730,193,409 1,210,765,008 1,866,694,733
14 Total Outstanding at the field 2255133346 2,980,181,797.00 5,104,705,638 5,076,092,952 5,094,065,227
15 Total Savings (Cumm.) 4427047656 4731909736 5,964,209,736 6,279,209,736 6,279,209,736
16 Cumm. Principle Recovery 3288449064 3722693077 4,903,251,409 5,249,418,075 5,252,609,741
17 Cumm. Principle Outstanding 1138598592 1009216659 1,060,958,327 1,029,791,661 1,026,599,995
18 Finance Expenses 86,418,741 98228306.82 176,734,063 47,153,481 63,557,754
19 Cost of Borrowings = Interest paid on borrowings/ Avg. Borrowings 7.59 9.73 5.85 1.57 2.14
20 Savings interest 43557057.00 50418537.00 34797418.00 68136.00 352740.00
21 Cost of Savings= Interest paid on deposits/Avg. Deposits 5.24 5.20 2.43 0.00 0.02
22 Cumulative from Bank and others 3,746,437,508 4,334,663,096 4,434,663,096
23 Cumm. Principle recovery from bank and others 1,787,950,667 2,358,468,430 2,496,675,060
24 Credit Outstanding from bank and others 1,958,486,841 1,976,194,665 1,937,988,035
25 Total Savings 831629248 968927127 1431571774 1558802168 1589627377
26 Total Savings and total outstanding rate (%) 36.88 32.51 28.04 30.71 31.21
27 Total Dues 81973825 108643682 246959480 226922549 236216153
28 Increase/decrease of total dues by the current year -28297636 26669857 76941888 19539197 28832801
29 Total Bad Loan 45349551 73242845 135,200,450 112,054,409 119,726,132
30 Increase/decrease of total Bad Loan by the current year -37349042 27893294 37,540,652 14,394,611 22,066,334
31 Rate of total Bad Loan and Total Dues (%) 55.32 67.42 54.75 49.38 50.68
32 Current Gross income 519055760.3 634236087.4 759,927,759.55 167,668,613.00 258,166,466.00
33 Current Gross Expenditure 461342086.1 547173901.4 591,464,009.48 159,182,880.34 229,110,793.27
34 Current Year Surplus 57,713,674 87,062,186 168,463,750 8,485,733 29,055,673
35 Current Year Surplus of Current Gross Income (%) 11.12 13.73 22.17 5.06 11.25
36 Cumulative Surpluses 380202647.4 471058316.5 778,435,517.17 831,708,476.47 852,316,956.54
37 Cumulative Total Income 2672581702 3284749680 4,885,627,971.50 5,409,961,718.92 5,500,459,571.92
38 Cumulative Surpluses of Cumulative Gross Income (%) 14.23 14.34 15.93 15.37 15.50
39 Liquid/Usable Surplus (Cum Surplus – Fixed Assets) 344647348.4 418254742.5 676,238,116.17 645,719,821.89 663,618,920.96
40 Cash and Bank Outstanding 113481497.9 181069434.2 178,715,362.97 364,438,340.23 342,613,423.11
41 Salary Cost as % of Total Admin. Cost 49.29 67.53 67.17 65.83 65.75
42 Operating expense 328276848.83 394228246.84 405,657,430.16 110,192,811.94 162,816,506.94
43 OSS: Gross Income 158.12% 160.88% 187.33% 152.16% 158.56%
44 FSS: Gross Income 112.51% 115.91% 128.48% 105.33% 112.68%
45 Loan Los provision (LLP) 87177455 121969369 221,880,116.00 230,597,020.00 239,544,459.00
46 LLP Expense as a % of Total Expenses 6.56 6.95 7.19 7.85 7.92
47 Toal Investment 113072359.27 150558902.36 208,013,540.67 215,196,425.52 237,696,425.52
48 Toal Assets 2546461038.32 3375296648 5,620,856,411.64 5,802,196,920.75 5,824,306,651.63
49 Portfolio /Total Asset 88.56 88.29 90.82 87.49 87.46
50 Total Asset 100.00 100.00 100.00 100.00 100.00
51 Liquid Assets to Deposits 11.44 11.71 9.18 12.51 12.54
52 Portfolio Yield Interest Income/Avg. Gross loan outstanding 24.55 24.23 16.36 3.62 5.56
53 Net Surplus to Loan Outstanding 16.86 15.81 15.25 16.38 16.73
54 FY Net Surplus to Loan Outstanding 2.56 2.92 3.30 0.17 0.57
55 Return on Equety (ROE) 15.18 18.48 21.64 1.02 3.41
56 Return on Assets (ROA) 2.27 2.58 3.00 0.15 0.50
57 Borrowed fund to Equity 2.99 2.14 3.88 3.61 3.48
58 Loan Revolving fund to Equity 5.93 6.33 6.56 6.10 5.98
59 Overdue as % of Total Outstanding 3.63 3.65 4.84 4.47 4.64
60 Portfolio At Risk (%) 4.59 4.17 6.07 6.29 6.56
61 Gross Average Credit Disbursement (Current Month) 0.00 0.00 63,187 67,861 63,774
62 Debtor: Loan Outstanding 18231 20604 32745 35150 35366
63 Members: Savings 5503 5644 7476 8630 8859
64 Loan/Credit: Savings 36.88% 32.51% 28.04% 30.71% 31.21%
65 Field worker: Member 284 287 292 279 277
66 Field worker: Loanee 232 242 238 223 222
67 Field worker: Outstanding 4231019 4983582 7781563 7845584 7861212
68 Debt to Capital Ratio 5.11 4.52 5.39 5.49 5.34
69 Capital Adequacy Ratio 16.46 20.09 15.71 15.74 15.87
70 Debt Service Cover Ratio 1.08 1.08 2.20 1.18 1.46
71 Liquidity Ratio 7.44 10.50 21.92 13.97 14.52
72 Current Ratio 1.49 2.17 1.66 1.49 1.41
73 Rate of Return Ratio This Years 13.32 20.45 24.28 1.03 3.47
74 Cumm. Recovery Rate 99.58 99.56 99.33 99.44 99.42
75 On Time Realization (OTR) 98.62 99.52 96.64 96.41 96.40
76 Cumulative Disbursement 21,937,949,000.00 27,406,995,000.00 41279735000 44987000000 45625693000