Chhimek Laghubitta Bikas Bank Limited

CBB5

Chhimek Laghubitta Bikas Bank Limited

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Institutional Characteristics

Institutional Characteristics
MFI name	CBB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-07-16
Assets	36,483,751
OfficesOffices Number, including head office	53
+ PersonnelPersonnel Total number of staff members	349
+ Gender
Female	43

Financing Structure

Financing Structure
MFI name	CBB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-07-16
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	8.03%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	11.45
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	57.37%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	39.42%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	68.71%

Outreach Indicators

Outreach Indicators
MFI name	CBB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-07-16
As of date	2011-07-16
Currency	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	103,179
+ Gender
Female	103,179
+ Location
Urban	20,636
Rural	82,543
+ Relationship
External customers	103,179
Percent of female borrowers	100.00%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	130,840
+ Location
Urban	26,168
Rural	104,672
+ Products (credit)
+ Retail loans	130,840
+ Household financing	702
Consumption	379
Household other	323
Microenterprise	130,138
+ Gender
Female	130,840
+ Delinquency
Less than one month	130,672
+ One month or more	—
From one to three months	26
+ More than three months	—
From three to six months	12
+ More than six months	—
From six to twelve months	7
One year or more	123
Renegotiated loans	0
+ Methodology
Individual	0
Solidarity group	130,840
Village banking s h g	0
+ Relationship
External customers	130,840
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	25,067,274
+ Location
Urban	5,013,455
Rural	20,053,819
+ Products (credit)
+ Retail loans	25,067,274
+ Household financing	91,718
Consumption	51,908
Household other	39,810
Microenterprise	24,975,556
+ Gender
Female	25,067,274
+ Delinquency
Less than one month	25,041,593
+ One month or more	25,681
From one to three months	3,529
+ More than three months	22,152
From three to six months	2,487
+ More than six months	19,665
From six to twelve months	1,751
One year or more	17,915
Renegotiated loans	0
+ Methodology
Individual	0
Solidarity group	25,067,274
Village banking s h g	0
+ Relationship
External customers	25,067,274
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	243
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	192
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	387,831
+ Products (deposits)
+ Retail deposits	387,831
+ Voluntary deposits	255,972
Demand deposits	131,859
Time deposits	124,113
Compulsory deposits	131,859
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	642,792
+ Products (deposits)
+ Retail deposits	642,792
+ Voluntary deposits	269,417
Demand deposits	145,304
Time deposits	124,113
Compulsory deposits	373,375
+ DepositsDeposits Total value of all deposit accounts	14,381,588
+ Products (deposits)
+ Retail deposits	14,381,588
+ Voluntary deposits	9,638,583
Demand deposits	3,977,327
Time deposits	5,661,256
Compulsory deposits	4,743,006
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	37
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	22
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	CBB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-07-16
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	3.26%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	41.55%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	132.69%

Revenues

Revenues
MFI name	CBB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-07-16
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	18.94%
Profit marginProfit margin Net Operating Income / Financial Revenue	24.63%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	23.38%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—

Expenses

Expenses
MFI name	CBB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-07-16
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	14.28%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	8.34%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.16%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	5.78%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	4.11%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	1.67%

Efficiency

Efficiency
MFI name	CBB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-07-16
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	8.36%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	5.95%
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	19
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	15

Productivity

Productivity
MFI name	CBB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-07-16
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	296
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	375
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	451
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	571
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	1,111
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	1,842
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	65.62%

Risk And Liquidity

Risk And Liquidity
MFI name	CBB
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-07-16
As of date	2011-07-16
Currency	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	0.10%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.09%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.09%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.09%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	1,050.83%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	25.78%

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CBB5

Chhimek Laghubitta Bikas Bank Limited

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