ESAF Microfinance and Investments (P) Ltd

ESAF4

ESAF Microfinance and Investments (P) Ltd

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Institutional Characteristics

Institutional Characteristics
MFI name	ESAF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-06-30
Assets	—
OfficesOffices Number, including head office	148
+ PersonnelPersonnel Total number of staff members	1,541
+ Gender
Female	931

Financing Structure

Financing Structure
MFI name	ESAF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-06-30
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	—
Deposits to total assetsDeposits to total assets Deposits / Total Assets	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	—

Outreach Indicators

Outreach Indicators
MFI name	ESAF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-06-30
As of date	2011-06-30
Currency	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	305,847
+ Location
Rural	266,854
+ Gender
Female	304,496
Legal entity	1,351
Percent of female borrowers	99.56%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	361,670
+ Delinquency
Less than one month	344,363
+ One month or more	—
From one to three months	6,999
+ More than three months	—
From three to six months	4,773
+ More than six months	—
From six to twelve months	2,624
One year or more	2,911
+ Location
Urban	94,816
Rural	266,854
+ Gender
Female	360,319
Legal entity	1,351
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	39,994,684
+ Delinquency
Less than one month	39,121,686
+ One month or more	—
From one to three months	481,425
+ More than three months	—
From three to six months	265,783
+ More than six months	—
From six to twelve months	67,343
One year or more	58,447
+ Location
Urban	3,739,251
Rural	36,255,433
+ Gender
Female	39,786,720
Legal entity	207,964
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	131
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	8.97%
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	111
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	7.58%
Number of depositorsNumber of depositors Number of depositors with any type of deposit account	—
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	—
DepositsDeposits Total value of all deposit accounts	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	—
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	—
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	ESAF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-06-30
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—

Revenues

Revenues
MFI name	ESAF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-06-30
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—
Profit marginProfit margin Net Operating Income / Financial Revenue	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—

Expenses

Expenses
MFI name	ESAF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-06-30
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—

Efficiency

Efficiency
MFI name	ESAF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-06-30
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—
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	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	—

Productivity

Productivity
MFI name	ESAF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-06-30
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	198
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	235
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	316
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	374
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	62.82%

Risk And Liquidity

Risk And Liquidity
MFI name	ESAF
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-
Currency	USD
Fiscal year	2011
Period type	QTR
As of date	2011-06-30
As of date	2011-06-30
Currency	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	2.18%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.98%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—

MFI Report

ESAF4

ESAF Microfinance and Investments (P) Ltd

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