Ujjivan5

Ujjivan Financial Services Pvt. Ltd.

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Institutional Characteristics
Institutional Characteristics
MFI name Ujjivan Ujjivan
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2013-03-31 2013-12-31
Assets 248,952,611 256,003,117
OfficesOffices

Number, including head office

301 333
+ PersonnelPersonnel

Total number of staff members

3,656 4,333
794
Financing Structure
Financing Structure
MFI name Ujjivan Ujjivan
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2013-03-31 2013-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

23.78% 22.76%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

3.21
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

0.00%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

0.00%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

83.33% 91.06%
Outreach Indicators
Outreach Indicators
MFI name Ujjivan Ujjivan
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2013-03-31 2013-12-31
As of date 2013-03-31 2013-12-31
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

1,006,052 1,213,241
1,006,052
1,006,052
1,006,052
Percent of female borrowers 100.00%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

1,021,818 1,227,626
17,244
1,004,574
0
1,017,127
639
1,002
787
2,231
0
32
1,021,818
1,021,818
1,021,818
1,021,818
244,731
32,377
8,579
4,171
199,604
777,087
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

207,442,404 233,121,113
8,477,348
198,965,055
0
207,028,530
206,923,477
105,053
410,747 258,649
153,882
256,865 192,742
84,384
172,481 138,425
172,481
0
3,127
207,442,404
207,442,404
207,442,404
207,442,404
47,977,249
28,714
523,402
1,559,223
45,865,910
159,465,154
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

206 192
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

13.91% 12.97%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

203 190
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

13.70% 12.81%
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

0
0
0
0
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

0
0
0
0
+ DepositsDeposits

Total value of all deposit accounts

0
0
0
0
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

Overall Financial Performance
Overall Financial Performance
MFI name Ujjivan Ujjivan
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2013-03-31 2013-12-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

3.36%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

11.79%
Operational self sufficiencyOperational self sufficiency

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

126.61%
Revenues
Revenues
MFI name Ujjivan Ujjivan
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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2013-03-31 2013-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

23.25%
Profit marginProfit margin

Net Operating Income / Financial Revenue

21.02%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

25.69%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

13.69%
Expenses
Expenses
MFI name Ujjivan Ujjivan
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2013-03-31 2013-12-31
Total expense/ assetsTotal expense/ assets

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

18.36%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

8.06%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

0.69%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

9.61%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

6.54%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

3.07%
Efficiency
Efficiency
MFI name Ujjivan Ujjivan
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2013-03-31 2013-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

11.16%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

7.59%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

2.33
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

20
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

19
Productivity
Productivity
MFI name Ujjivan Ujjivan
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2013-03-31 2013-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

275 280
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

279 283
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

520 531
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

528 537
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

0
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

0
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

52.90% 52.71%
Risk And Liquidity
Risk And Liquidity
MFI name Ujjivan Ujjivan
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2013-03-31 2013-12-31
As of date 2013-03-31 2013-12-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

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

0.20% 0.11%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

0.13% 0.08%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.84%
Loan loss rateLoan loss rate

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

0.84%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

397.37% 901.30%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

13.89%