BRAC | MFIs in Bangladesh

BRAC5

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Institutional Characteristics

Institutional Characteristics
MFI name	BRAC	BRAC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Assets	702,448,640	1,005,521,374
OfficesOffices Number, including head office	2,422	2,350
+ PersonnelPersonnel Total number of staff members	—	18,789
+ Gender
Female	—	2,275

Financing Structure

Financing Structure
MFI name	BRAC	BRAC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	—	32.27%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—	2.10
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	—	42.33%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	—	27.20%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	92.04%	64.25%

Outreach Indicators

Outreach Indicators
MFI name	BRAC	BRAC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
As of date	2011-09-30	2011-12-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	5,259,932	4,959,133
+ Relationship
External customers	—	4,959,133
+ Gender
Male	—	183,380
Female	—	4,543,992
Legal entity	—	231,761
+ Location
Urban	—	365,894
Rural	—	4,593,239
Percent of female borrowers	—	91.63%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	—	5,336,794
+ Location
Urban	—	398,653
Rural	—	4,938,141
+ Delinquency
Less than one month	—	4,934,790
+ One month or more	—	—
From one to three months	—	64,035
+ More than three months	—	—
From three to six months	—	89,619
+ More than six months	—	—
From six to twelve months	—	25,798
One year or more	—	53,056
Renegotiated loans	—	169,496
+ Methodology
Individual	—	5,336,794
Solidarity group	—	0
Village banking s h g	—	0
+ Products (credit)
+ Retail loans	—	5,336,794
Microenterprise	—	5,336,794
+ Relationship
External customers	—	5,336,794
+ Gender
Male	—	215,869
Female	—	4,853,335
Legal entity	—	267,590
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	646,534,748	646,094,136
+ Location
Urban	—	72,358,862
Rural	—	573,735,274
+ Delinquency
Less than one month	—	594,840,178
+ One month or more	—	32,141,427
From one to three months	—	7,544,525
+ More than three months	—	24,596,903
From three to six months	—	4,229,263
+ More than six months	—	20,367,640
From six to twelve months	—	823,366
One year or more	—	19,544,274
Renegotiated loans	—	19,112,530
+ Methodology
Individual	—	646,094,136
Solidarity group	—	0
Village banking s h g	—	0
+ Products (credit)
+ Retail loans	—	646,094,136
Microenterprise	—	646,094,136
+ Relationship
External customers	—	646,094,136
+ Gender
Male	—	39,638,785
Female	—	317,573,987
Legal entity	—	288,881,364
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	123	130
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	—	—
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	—	121
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	—	—
+ Number of depositorsNumber of depositors Number of depositors with any type of deposit account	—	6,770,338
+ Products (deposits)
+ Retail deposits	—	6,770,338
Compulsory deposits	—	6,770,338
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	—	7,300,777
+ Products (deposits)
+ Retail deposits	—	7,300,777
+ Voluntary deposits	—	530,439
Demand deposits	—	530,439
Compulsory deposits	—	6,770,338
+ DepositsDeposits Total value of all deposit accounts	—	273,469,886
+ Products (deposits)
+ Retail deposits	—	273,469,886
+ Voluntary deposits	—	71,586,355
Demand deposits	—	71,586,355
Compulsory deposits	—	201,883,531
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	—	40
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita Average Deposit Balance per Depositor / GNI per Capita	—	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	—	37
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	—	—

Overall Financial Performance

Overall Financial Performance
MFI name	BRAC	BRAC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	—	-13.07%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—	-39.90%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—	57.96%

Revenues

Revenues
MFI name	BRAC	BRAC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—	17.75%
Profit marginProfit margin Net Operating Income / Financial Revenue	—	-72.53%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—	25.29%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	BRAC	BRAC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	—	30.62%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—	3.80%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—	2.27%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—	24.56%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—	13.67%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—	10.88%

Efficiency

Efficiency
MFI name	BRAC	BRAC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	—	38.97%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—	21.70%
Average salary/ GNI per capitaAverage salary/ GNI per capita Average Personnel Expense / GNI per capita	—	—
Cost per borrowerCost per borrower Operating Expense / Average Number of Active Borrowers	—	47
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	—	45

Productivity

Productivity
MFI name	BRAC	BRAC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	—	264
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	—	284
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	—	328
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	—	353
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	—	360
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	—	389
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	—	80.40%

Risk And Liquidity

Risk And Liquidity
MFI name	BRAC	BRAC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
As of date	2011-09-30	2011-12-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	—	7.93%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	—	6.77%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—	4.57%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—	4.57%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—	-105.89%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—	13.04%

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