Hattha Kaksekar Ltd.

HKL4

Currency:

Institutional Characteristics

Institutional Characteristics
MFI name	HKL	HKL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Assets	86,785,732	—
OfficesOffices Number, including head office	34	116
+ PersonnelPersonnel Total number of staff members	1,096	1,192
+ Gender
Male	830	917
Female	266	275

Financing Structure

Financing Structure
MFI name	HKL	HKL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	19.47%	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	4.14	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	20.95%	27.15%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	18.18%	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	86.78%	—

Outreach Indicators

Outreach Indicators
MFI name	HKL	HKL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
As of date	2011-12-31	2012-03-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	62,703	66,368
+ Relationship
External customers	62,216	—
Management and staff	487	—
+ Gender
Male	13,678	14,241
Female	49,025	52,127
Legal entity	0	—
+ Location
Urban	13,412	—
Rural	49,291	—
Percent of female borrowers	78.19%	78.54%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	62,703	—
+ Delinquency
Less than one month	62,633	—
+ One month or more	—	—
From one to three months	6	—
+ More than three months	—	—
From three to six months	9	—
+ More than six months	—	—
From six to twelve months	34	—
One year or more	21	—
Renegotiated loans	0	—
+ Location
Urban	13,412	—
Rural	49,291	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	62,703	—
+ Household financing	0	—
Consumption	0	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	62,703	—
+ Relationship
External customers	62,216	—
Management and staff	487	—
+ Methodology
Individual	62,703	—
Solidarity group	0	—
Village banking s h g	0	—
+ Gender
Male	13,678	—
Female	49,025	—
Legal entity	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	75,315,148	85,105,567
+ Delinquency
Less than one month	75,260,595	—
+ One month or more	54,553	53,410
From one to three months	4,712	—
+ More than three months	49,841	—
From three to six months	3,420	—
+ More than six months	46,421	—
From six to twelve months	34,371	—
One year or more	12,050	—
Renegotiated loans	0	—
+ Location
Urban	25,353,764	—
Rural	49,961,384	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	75,315,148	—
+ Household financing	0	—
Consumption	0	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	75,315,148	—
+ Relationship
External customers	74,266,186	—
Management and staff	1,048,962	—
+ Methodology
Individual	75,315,148	—
Solidarity group	0	—
Village banking s h g	0	—
+ Gender
Male	18,818,358	—
Female	56,496,790	—
Legal entity	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	1,201	1,282
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	1,201	—
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	69,759	82,759
+ Gender
Male	18,024	19,969
Female	57,001	62,790
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	69,759	—
+ Voluntary deposits	10,778	—
Demand deposits	9,900	—
Time deposits	878	—
Compulsory deposits	58,981	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	75,025	—
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	75,025	—
+ Voluntary deposits	11,491	—
Demand deposits	10,368	—
Time deposits	1,123	—
Compulsory deposits	63,534	—
+ DepositsDeposits Total value of all deposit accounts	15,775,630	23,104,062
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	15,775,630	—
+ Voluntary deposits	13,853,460	—
Demand deposits	2,489,867	—
Time deposits	11,363,593	—
Compulsory deposits	1,922,170	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	226	279
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	210	—
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	HKL	HKL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	4.50%	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	22.49%	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	130.80%	—

Revenues

Revenues
MFI name	HKL	HKL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	24.19%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	23.55%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	25.77%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	HKL	HKL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	18.49%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	6.51%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.31%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	11.67%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	6.85%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	4.82%	—

Efficiency

Efficiency
MFI name	HKL	HKL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	12.80%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	7.51%	—
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	144	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	142	—

Productivity

Productivity
MFI name	HKL	HKL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	57	56
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	57	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	112	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	112	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	64	69
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	68	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	50.91%	—

Risk And Liquidity

Risk And Liquidity
MFI name	HKL	HKL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-03-31
As of date	2011-12-31	2012-03-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	0.07%	0.06%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.07%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.46%	0.02%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.26%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	1,428.50%	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	9.75%	—

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HKL4

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