FSL3

Finance Sudan Limited

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Institutional Characteristics
Institutional Characteristics
MFI name FSL FSL FSL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 1 3
Currency USD USD USD
Fiscal year 2011 2012 2012
Period type ANN ANN ANN
As of date 2011-12-31 2012-12-31 2012-12-31
Assets 2,888,499 1,938,488 1,938,488
OfficesOffices

Number, including head office

 		7 4 4
PersonnelPersonnel

Total number of staff members

 		71 65 65
Financing Structure
Financing Structure
MFI name FSL FSL FSL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 1 3
Currency USD USD USD
Fiscal year 2011 2012 2012
Period type ANN ANN ANN
As of date 2011-12-31 2012-12-31 2012-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

 		9.40% 10.80% 10.80%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		9.64 8.26 8.26
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		26.00% 20.98% 20.98%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		22.05% 18.14% 18.14%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		84.82% 86.48% 86.48%
Outreach Indicators
Outreach Indicators
MFI name FSL FSL FSL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 1 3
Currency USD USD USD
Fiscal year 2011 2012 2012
Period type ANN ANN ANN
As of date 2011-12-31 2012-12-31 2012-12-31
As of date 2011-12-31 2012-12-31 2012-12-31
Currency USD USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

 		5,623 4,017 4,017
2,020 1,989 —
Percent of female borrowers 35.92% 49.51% 49.51%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		5,623 4,771 4,771
2,020 — —
1,718 2,341 —
3,905 2,430 —
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		2,449,936 1,676,361 1,676,361
2,324,835 1,494,113 —
125,101 182,248 —
80,785 91,731 —
44,316 90,517 —
44,312 66,117 —
4 24,399 —
0 — —
1,076,371 — —
808,970 — —
0 — —
0 — —
267,401 — —
1,373,566 — —
1,373,566 — —
0 — —
0 — —
0 — —
0 — —
0 — —
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		436 417 417
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

 		28.83% 27.61% 27.61%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

 		436 351 351
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

 		28.83% 23.25% 23.25%
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

 		6,517 4,656 4,656
— 0 —
— 0 —
— 0 —
— 4,656 —
— 0 —
— 0 —
— 0 —
— 4,656 —
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		— 4,656 4,656
— 0 —
— 0 —
— 0 —
— 4,656 —
— 0 —
— 0 —
— 0 —
— 4,656 —
DepositsDeposits

Total value of all deposit accounts

 		636,897 351,638 351,638
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

 		98 76 76
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

 		6.00% 5.00% 5.00%
Overall Financial Performance
Overall Financial Performance
MFI name FSL FSL FSL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 1 3
Currency USD USD USD
Fiscal year 2011 2012 2012
Period type ANN ANN ANN
As of date 2011-12-31 2012-12-31 2012-12-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

 		-40.55% -16.35% -16.35%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		379.14% -164.07% -164.07%
Operational self sufficiencyOperational self sufficiency

Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)

 		56.12% 77.89% 77.89%
Revenues
Revenues
MFI name FSL FSL FSL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 1 3
Currency USD USD USD
Fiscal year 2011 2012 2012
Period type ANN ANN ANN
As of date 2011-12-31 2012-12-31 2012-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

 		51.86% 57.59% 57.59%
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		-78.20% -28.39% -28.39%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		61.46% 63.99% 63.99%
Yield on gross portfolio (real)Yield on gross portfolio (real)

(Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)

 		34.55% 36.66% 36.66%
Expenses
Expenses
MFI name FSL FSL FSL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 1 3
Currency USD USD USD
Fiscal year 2011 2012 2012
Period type ANN ANN ANN
As of date 2011-12-31 2012-12-31 2012-12-31
Total expense/ assetsTotal expense/ assets

(Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets

 		92.42% 73.94% 73.94%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		5.41% 5.29% 5.29%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		5.64% 10.03% 10.03%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		81.37% 58.62% 58.62%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		— — —
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		— — —
Efficiency
Efficiency
MFI name FSL FSL FSL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 1 3
Currency USD USD USD
Fiscal year 2011 2012 2012
Period type ANN ANN ANN
As of date 2011-12-31 2012-12-31 2012-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

 		101.29% 68.58% 68.58%
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

 		410 294 294
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		410 272 272
Productivity
Productivity
MFI name FSL FSL FSL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 1 3
Currency USD USD USD
Fiscal year 2011 2012 2012
Period type ANN ANN ANN
As of date 2011-12-31 2012-12-31 2012-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

 		79 62 62
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		79 73 73
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		110 122 122
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		110 145 145
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		92 72 72
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		— 72 72
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		71.83% 50.77% 50.77%
Risk And Liquidity
Risk And Liquidity
MFI name FSL FSL FSL
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 1 3
Currency USD USD USD
Fiscal year 2011 2012 2012
Period type ANN ANN ANN
As of date 2011-12-31 2012-12-31 2012-12-31
As of date 2011-12-31 2012-12-31 2012-12-31
Currency USD USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

 		5.11% 10.87% 10.87%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio

 		1.81% 5.40% 5.40%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		7.56% 6.98% 6.98%
Loan loss rateLoan loss rate

(Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio

 		5.82% 5.96% 5.96%
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

 		— — —