Sathapana Limited (formerly CEB)

Sathapana Limited4

Sathapana Limited (formerly CEB)

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Institutional Characteristics

Institutional Characteristics
MFI name	Sathapana Limited	Sathapana Limited
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	107,926,524	—
OfficesOffices Number, including head office	53	62
+ PersonnelPersonnel Total number of staff members	1,339	1,545
+ Gender
Male	904	1,054
Female	435	491

Financing Structure

Financing Structure
MFI name	Sathapana Limited	Sathapana Limited
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	16.32%	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	5.13	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	41.08%	43.62%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	36.04%	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	87.71%	—

Outreach Indicators

Outreach Indicators
MFI name	Sathapana Limited	Sathapana Limited
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	57,001	59,610
+ Relationship
External customers	56,575	—
Management and staff	426	—
+ Gender
Male	21,141	22,264
Female	35,860	37,346
Legal entity	0	—
+ Location
Urban	23,507	—
Rural	33,494	—
Percent of female borrowers	62.91%	62.65%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	57,001	—
+ Delinquency
Less than one month	56,718	—
+ One month or more	—	—
From one to three months	21	—
+ More than three months	—	—
From three to six months	26	—
+ More than six months	—	—
From six to twelve months	58	—
One year or more	178	—
Renegotiated loans	0	—
+ Location
Urban	23,507	—
Rural	33,494	—
+ Products (credit)
Loans to corporations	3,216	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	53,785	—
+ Household financing	0	—
Consumption	0	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	53,785	—
+ Relationship
External customers	56,575	—
Management and staff	426	—
+ Methodology
Individual	57,001	—
Solidarity group	0	—
Village banking s h g	0	—
+ Gender
Male	21,141	—
Female	35,860	—
Legal entity	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	94,665,480	102,369,860
+ Delinquency
Less than one month	94,457,772	—
+ One month or more	207,708	211,886
From one to three months	23,281	—
+ More than three months	184,427	—
From three to six months	19,416	—
+ More than six months	165,011	—
From six to twelve months	53,015	—
One year or more	111,996	—
Renegotiated loans	0	—
+ Location
Urban	46,024,840	—
Rural	48,640,640	—
+ Products (credit)
Loans to corporations	25,730,167	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	68,935,313	—
+ Household financing	0	—
Consumption	0	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	68,935,313	—
+ Relationship
External customers	93,012,664	—
Management and staff	1,652,816	—
+ Methodology
Individual	94,665,480	—
Solidarity group	0	—
Village banking s h g	0	—
+ Gender
Male	36,893,297	—
Female	57,772,183	—
Legal entity	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	1,661	1,717
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	1,661	—
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	37,575	41,686
+ Gender
Male	15,243	16,454
Female	24,417	25,232
+ Products (deposits)
Deposits from corporations	9	—
Deposits from financial institutions	2	—
Deposits from governments	0	—
+ Retail deposits	37,564	—
+ Voluntary deposits	32,735	—
Demand deposits	31,103	—
Time deposits	1,632	—
Compulsory deposits	4,829	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	39,660	—
+ Products (deposits)
Deposits from corporations	20	—
Deposits from financial institutions	2	—
Deposits from governments	0	—
+ Retail deposits	39,638	—
+ Voluntary deposits	34,808	—
Demand deposits	32,008	—
Time deposits	2,800	—
Compulsory deposits	4,830	—
+ DepositsDeposits Total value of all deposit accounts	38,891,904	44,656,971
+ Products (deposits)
Deposits from corporations	284,461	—
Deposits from financial institutions	480,264	—
Deposits from governments	0	—
+ Retail deposits	38,127,179	—
+ Voluntary deposits	37,970,772	—
Demand deposits	7,474,194	—
Time deposits	30,496,578	—
Compulsory deposits	156,407	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	1,035	1,071
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	981	—
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	Sathapana Limited	Sathapana Limited
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	3.71%	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	25.56%	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	129.77%	—

Revenues

Revenues
MFI name	Sathapana Limited	Sathapana Limited
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	20.67%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	22.94%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	23.32%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	Sathapana Limited	Sathapana Limited
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	15.93%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	6.33%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	-0.09%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	9.69%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	5.63%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	4.06%	—

Efficiency

Efficiency
MFI name	Sathapana Limited	Sathapana Limited
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	11.17%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	6.49%	—
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	173	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	169	—

Productivity

Productivity
MFI name	Sathapana Limited	Sathapana Limited
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	43	39
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	43	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	101	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	101	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	28	27
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	30	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	41.97%	—

Risk And Liquidity

Risk And Liquidity
MFI name	Sathapana Limited	Sathapana Limited
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	0.22%	0.21%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.19%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.32%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.32%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	191.31%	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	6.79%	—

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Sathapana Limited4

Sathapana Limited (formerly CEB)

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