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SKS5SKS Microfinance Private Limited

Indicators
Currency
Years
  • Total assets
  • Gross loan portfolio
  • Total equity

Institutional Characteristics

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
As of date 1999-03-31 2000-03-31 2001-03-31 2002-03-31 2003-03-31 2004-03-31 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
Currency USD USD USD USD USD USD USD USD USD USD USD
Total assets 45,177 103,338 116,045 508,567 1,387,165 4,089,187 9,130,883 26,811,799 78,797,574 336,831,099 596,162,206
Offices — — — — — 11 27 84 299 778 1,354
Personnel — 24 41 55 60 135 290 809 1,945 6,425 13,407

Financing Structure

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
As of date 1999-03-31 2000-03-31 2001-03-31 2002-03-31 2003-03-31 2004-03-31 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
Capital/asset ratio 97.65% 92.35% 85.86% 68.76% 20.64% 1.04% 0.83% 13.59% 20.87% 15.72% 21.86%
Debt to equity ratio 0.02 0.08 0.16 0.45 3.85 95.55 119.88 6.36 3.79 5.36 3.57
Deposits to loans — — — — — 1.18% 0.00% 0.19% 0.00% 0.00% 0.00%
Deposits to total assets — — — — — 0.78% 0.00% 0.15% 0.00% 0.00% 0.00%
Gross loan portfolio to total assets 10.41% 14.63% 55.56% 54.76% 77.42% 66.10% 83.29% 76.81% 80.27% 77.69% 46.75%
Indicators
Currency
Years
  • Number of active borrowers
  • Number of depositors

Outreach

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
As of date 1999-03-31 2000-03-31 2001-03-31 2002-03-31 2003-03-31 2004-03-31 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
Currency USD USD USD USD USD USD USD USD USD USD USD
+ Number of active borrowers 19 191 1,068 5,080 11,127 24,799 73,635 172,970 513,108 1,629,474 3,520,826
— — — — — — — — — — — 3,520,826
— — — — — — — — — — — 3,520,826
— 19 191 1,068 5,080 11,127 24,799 73,635 172,970 513,108 1,629,474 3,520,826
Percent of women borrowers 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
+ Number of outstanding loans — — — — — 29,656 84,858 213,985 634,116 2,016,041 —
— — — — — — 29,656 82,437 0 0 0 —
— — — — — — — — — — — —
— — — — — — 0 66 0 0 0 —
— — — — — — — — — — — —
— — — — — — 0 155 0 0 0 —
— — — — — — — — — — — —
— — — — — — 0 1,074 0 0 0 —
— — — — — — 0 1,126 1,288 145 0 —
— — — — — — 0 1 0 0 0 —
+ Gross loan portfolio 4,704 15,115 64,472 278,514 1,073,950 2,702,832 7,604,875 20,593,830 63,247,572 261,686,364 278,710,715
— — — — — — — — — — — 278,710,715
— — — — — — 2,702,832 7,230,283 20,281,265 — — 277,769,326
— — 0 92 0 0 0 393,569 312,565 74,216 384,449 —
— — — — — — 0 4,531 69,276 0 295,690 0
— — — — — — — — — — — —
— — — — — — 0 16,277 0 22,171 81,503 862,645
— — — — — — — — — — — —
— — — — — — 0 169,707 0 32,245 7,256 69,314
— — — — — — 0 197,565 241,429 19,800 0 9,430
— — — — — — 0 5,488 1,860 0 0 0
— — — — — — — — — — — 278,710,715
— — — — — — — — — — — 278,710,715
— — — — — — — — — — — 17,889,446
— — — — — — — — — — — 260,821,269
Average loan balance per borrower 248 79 60 55 97 109 103 119 123 161 79
Average loan balance borrower per borrower / GNI per capita 58.94% 17.99% 13.41% 11.92% 20.54% 20.56% 16.39% 16.09% 15.03% 16.90% 8.33%
Average outstanding balance — — — — — 91 90 96 100 130 —
Average outstanding balance / GNI per capita — — — — — 17.20% 14.23% 13.01% 12.16% 13.66% —
+ Number of depositors 0 0 0 0 0 30,763 — 0 0 0 0
— — — — — — — — — — — 0
+ Number of deposit accounts — — — — — 30,763 — 0 0 0 0
— — — — — — — — — — — 0
+ Deposits — — — — — 31,940 0 39,780 0 0 0
— — — — — — 31,940 0 39,780 0 0 0
— 0 0 0 0 0 5,177 0 0 0 0 —
— — — — — — 5,177 0 0 0 0 —
— — — — — — 0 0 0 0 0 —
— — — — — — 26,763 0 39,780 0 0 —
Average deposit balance per depositor — — — — — 1 — — — — —
Average deposit balance per depositor / GNI per capita — — — — — 0.00% — — — — —
Average deposit account balance — — — — — 1 — — — — —
Average deposit account balance / GNI per capita — — — — — 0 — — — — —
Indicators
Currency
Years
  • Return on assets
  • Return on equity

Overall Financial Performance

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
As of date 1999-03-31 2000-03-31 2001-03-31 2002-03-31 2003-03-31 2004-03-31 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
USD USD USD USD USD USD USD USD USD USD USD
Return on assets — -56.14% -65.73% -18.70% -4.48% -0.67% -0.06% 2.83% 0.76% 1.99% 3.68%
Return on equity — -59.75% -73.92% -26.00% -13.35% -11.09% -6.33% 27.32% 3.98% 11.94% 18.72%
Operational self sufficiency 7.67% 12.89% 14.62% 41.06% 81.74% 96.98% 99.79% 120.74% 110.29% 119.75% 128.53%
Indicators
Currency
Years
  • Financial revenue/ assets
  • Yield on gross portfolio (nominal)
  • Yield on gross portfolio (real)

Revenues

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
As of date 1999-03-31 2000-03-31 2001-03-31 2002-03-31 2003-03-31 2004-03-31 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
USD USD USD USD USD USD USD USD USD USD USD
Financial revenue/ assets — 8.31% 11.26% 13.03% 20.05% 21.36% 27.34% 20.41% 19.15% 20.36% 25.78%
Profit margin -1,203.91% -675.94% -583.87% -143.57% -22.34% -3.12% -0.21% 17.18% 9.33% 16.50% 22.20%
Yield on gross portfolio (nominal) — — — — — 30.26% 31.47% 21.57% 23.77% 25.28% 36.28%
Yield on gross portfolio (real) — — — — — 25.48% 26.70% 16.62% 16.98% 17.78% 28.12%
Indicators
Currency
Years
  • Financial expense/ assets
  • Provision for loan impairment/ assets
  • Operating expense/ assets
  • Personnel expense/ assets
  • Administrative expense/ assets

Expenses

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
As of date 1999-03-31 2000-03-31 2001-03-31 2002-03-31 2003-03-31 2004-03-31 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
USD USD USD USD USD USD USD USD USD USD USD
Total expense/ assets — 64.44% 76.99% 31.73% 24.53% 22.02% 27.39% 16.90% 17.37% 17.00% 20.06%
Financial expense/ assets — 5.01% 6.35% 0.14% 6.15% 9.08% 11.96% 6.77% 5.99% 6.76% 8.92%
Provision for loan impairment/ assets — 0.00% 0.00% 0.00% 0.17% 0.57% 3.68% 1.92% 0.88% 0.61% 0.51%
Operating expense/ assets — 59.43% 70.64% 31.59% 18.21% 12.37% 11.75% 8.22% 10.50% 9.63% 10.62%
Personnel expense/ assets — — — — — 7.54% 6.41% 4.95% 5.44% 5.72% 6.42%
Administrative expense/ assets — — — — — 4.84% 5.35% 3.27% 5.06% 3.91% 4.20%

Efficiency

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
As of date 1999-03-31 2000-03-31 2001-03-31 2002-03-31 2003-03-31 2004-03-31 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
USD USD USD USD USD USD USD USD USD USD USD
Operating expense/ loan portfolio — 445.37% 194.71% 57.53% 25.52% 17.94% 15.07% 10.47% 13.22% 12.32% 18.34%
Personnel expense/ loan portfolio — — — — — 10.93% 8.22% 6.31% 6.85% 7.32% 11.09%
Average salary/ GNI per capita — — — — — 3.99 3.16 2.19 2.54 2.99 3.18
Cost per borrower — 420 123 32 21 19 16 12 16 19 19
Cost per loan — — — — — — 14 10 13 15 —

Productivity

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
As of date 1999-03-31 2000-03-31 2001-03-31 2002-03-31 2003-03-31 2004-03-31 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
Borrowers per staff member — 8 26 92 185 184 254 214 264 254 263
Loans per staff member — — — — — 220 293 265 326 314 —
Borrowers per loan officer — — — — — 205 281 235 386 436 443
Loans per loan officer — — — — — 245 324 290 477 539 —
Depositors per staff member — 0 0 0 0 228 — 0 0 0 0
Deposit accounts per staff member — — — — — 228 — 0 0 0 0
Personnel allocation ratio — — — — — 89.63% 90.34% 91.10% 68.38% 58.21% 59.28%
Indicators
Currency
Years
  • Portfolio at risk > 30 days
  • Write-off ratio

Risk and Liquidity

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
As of date 1999-03-31 2000-03-31 2001-03-31 2002-03-31 2003-03-31 2004-03-31 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
USD USD USD USD USD USD USD USD USD USD USD
Portfolio at risk > 30 days — 0.00% 0.14% 0.00% 0.00% 0.00% 5.18% 1.52% 0.12% 0.15% 0.34%
Portfolio at risk > 90 days — — — — — 0.00% 5.12% 1.18% 0.12% 0.03% 0.34%
Write-off ratio — 0.00% 0.00% 0.15% 0.24% 0.82% 0.00% 1.00% 0.61% 0.29% 0.83%
Loan loss rate — 0.00% 0.00% 0.15% 0.24% 0.82% 0.00% 1.00% 0.61% 0.29% 0.83%
Risk coverage — — 0.00% — — — 63.40% 142.80% 907.01% 398.37% 142.96%
Non-earning liquid assets as a % of total assets — — — — — 30.02% 16.69% 18.46% 16.44% 20.35% 51.21%
Indicators
Currency
Years
  • Total assets
  • Total equity
  • Gross loan portfolio
  • Total borrowings
  • Deposits
  • Cash and cash equivalents

Balance sheet

Currency
Years
1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
As of date 1999-03-31 2000-03-31 2001-03-31 2002-03-31 2003-03-31 2004-03-31 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
Currency USD USD USD USD USD USD USD USD USD USD USD
45,177 103,338 116,045 508,567 1,387,165 4,089,187 9,130,883 26,811,799 78,797,574 336,831,099 596,162,206
— — — — — 1,227,505 1,524,248 4,948,844 12,951,047 68,549,819 305,313,206
— — — — — 81,293 122,327 1,460,343 2,076,140 4,516,213 8,915,142
— — — — — — — — — — —
— — — — — — — — — — —
— — — — — 0 0 0 0 0 —
4,704 15,115 64,472 278,514 1,073,950 2,702,832 7,355,367 20,147,484 62,574,424 260,154,826 277,364,864
+ 4,704 15,115 64,472 278,514 1,073,950 2,702,832 7,604,875 20,593,830 63,247,572 261,686,364 278,710,715
— — — — — — — — — — — 278,710,715
— — — — — — 2,702,832 7,230,283 20,281,265 — — 277,769,326
— — 0 92 0 0 0 393,569 312,565 74,216 384,449 —
— — — — — — 0 4,531 69,276 0 295,690 0
— — — — — — — — — — — —
— — — — — — 0 16,277 0 22,171 81,503 862,645
— — — — — — — — — — — —
— — — — — — 0 169,707 0 32,245 7,256 69,314
— — — — — — 0 197,565 241,429 19,800 0 9,430
— — — — — — 0 5,488 1,860 0 0 0
— — — — — — — — — — — 278,710,715
— — — — — — — — — — — 278,710,715
— — — — — — — — — — — 17,889,446
— — — — — — — — — — — 260,821,269
0 0 0 0 0 0 249,508 446,345 673,148 1,531,538 1,345,851
— — — — — — — — — — —
— — — — — — — — — — —
— — — — — — — — — — —
— — — — — — — — — — 838,682
— — — — — — — — — — —
— — — — — — — — — — 1,288,290
— — — — 52,823 77,558 128,941 255,128 1,195,963 3,610,242 2,442,023
45,177 103,338 116,045 508,567 1,387,165 4,089,187 9,130,883 26,811,799 78,797,574 336,831,099 596,162,206
1,061 7,910 16,407 158,886 1,100,861 4,046,836 9,055,346 23,169,183 62,354,562 283,895,657 465,820,078
+ — — — — — 31,940 0 39,780 0 0 0
— — — — — — 31,940 0 39,780 0 0 0
— 0 0 0 0 0 5,177 0 0 0 0 —
— — — — — — 5,177 0 0 0 0 —
— — — — — — 0 0 0 0 0 —
— — — — — — 26,763 0 39,780 0 0 —
— — — — 992,785 4,011,343 5,891,315 15,758,629 57,127,646 196,723,535 380,923,746
— — — — — — — — — — —
— — — — — — — — — — 10,099,590
— — — — — 3,553 3,164,031 7,370,773 5,226,916 87,172,123 63,531,858
— — — — — — — — — — 990,386
— — — — — — — — — — 9,635,556
— — — — — — — — — — 633,988
— — — — — — — — — — 4,955
44,116 95,428 99,638 349,681 286,304 42,351 75,537 3,642,616 16,443,012 52,935,442 130,342,128
— — — — — 0 0 3,116,802 6,112,192 47,687,201 11,218,374
— — — — — -498,916 -549,718 -136,550 911,928 4,130,901 15,893,065
— — — — — — — — — — 99,257,611
— — — — — — — — — — —
— — — — — 541,267 625,256 640,071 15,371 16,687 —
— — — — — 0 0 22,294 191,078 1,036,658 3,973,077
— — — — — 0 0 0 9,212,444 63,995 —
Indicators
Currency
Years
  • Operating income
  • Financial expense
  • Operating expense
  • Net impairment loss, gross loan portfolio

Income statement

Currency
Years
1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
Start date 1998-04-01 1999-04-01 2000-04-01 2001-04-01 2002-04-01 2003-04-01 2004-04-01 2005-04-01 2006-04-01 2007-04-01 2008-04-01
As of date 1999-03-31 2000-03-31 2001-03-31 2002-03-31 2003-03-31 2004-03-31 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
Currency USD USD USD USD USD USD USD USD