SKS |
Trend report |
MIX Market
Feb 9 2010 - 2:36pm
SKS5SKS Microfinance Private Limited
- 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% |
- 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 | — | — | — | — | — |
- 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% |
- 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% |
- 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% |
- 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% |
- Total assets
- Total equity
- Gross loan portfolio
- Total borrowings
- Deposits
- Cash and cash equivalents
Balance sheet
| 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 | — |
- Operating income
- Financial expense
- Operating expense
- Net impairment loss, gross loan portfolio
Income statement
| 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 | USD | USD | USD | |
 |
1,221 | 6,167 | 12,348 | 40,683 | 190,023 | 584,773 | 1,806,868 | 3,667,665 | 10,114,357 | 42,300,994 | 120,261,028 | |
 |
156 | 2,389 | 11,172 | 38,893 | 188,335 | 584,363 | 1,657,722 | 3,087,126 | 10,017,533 | 41,572,615 | 109,810,018 | |
 |
— | — | — | — | — | 584,363 | 1,171,007 | 2,289,445 | 8,832,628 | 33,617,594 | 99,870,753 | |
| + |
 |
— | — | — | — | — | 571,440 | 1,135,454 | 2,244,087 | 8,778,764 | 33,112,300 | 96,141,234 |
| — | — | — | — | — | — | — | — | — | — | — | 86,859,806 | |
 |
— | — | — | — | — | 12,923 | 35,554 | 45,358 | 53,865 | 505,294 | — | |
 |
— | — | — | — | — | — | — | — | — | — | 3,729,518 | |
 |
— | — | — | — | — | 0 | 486,715 | 797,680 | 1,184,904 | 7,955,021 | 9,939,265 | |
| + |
 |
— | — | — | — | — | 0 | 486,715 | 797,680 | 1,184,904 | 7,955,021 | 1,887,128 |
| — | — | — | — | — | — | — | — | — | — | — | 1,704,945 | |
|
|
— | — | — | — | — | — | — | — | — | — | — | |
 |
— | — | — | — | — | — | — | — | — | — | 6,402,878 | |
 |
— | — | — | — | — | — | — | — | — | — | 1,649,260 | |
 |
1,064 | 3,778 | 1,176 | 1,790 | 1,688 | 410 | 149,146 | 580,540 | 96,824 | 728,379 | 10,450,803 | |
|
|
— | — | — | — | — | — | — | — | — | — | — | |
 |
— | — | — | — | — | — | — | — | — | — | 207 | |
|
|
— | — | — | — | — | — | — | — | — | — | — | |
|
|
— | — | — | — | — | — | — | — | — | — | — | |
|
|
— | — | — | — | — | — | — | — | — | — | — | |
|
|
— | — | — | — | — | — | — | — | — | — | — | |
|
|
— | — | — | — | — | — | — | — | — | — | — | |
|
|
— | — | — | — | — | — | — | — | — | — | — | |
|
|
— | — | — | — | — | — | — | — | — | — | — | |
 |
719 | 3,721 | 6,966 | 433 | 58,280 | 248,690 | 790,560 | 1,216,176 | 3,161,502 | 14,049,440 | 41,623,426 | |
 |
— | — | — | — | — | 248,690 | 790,560 | 947,475 | 2,911,587 | 12,983,021 | 41,623,426 | |
 |
— | — | — | — | — | — | — | — | — | — | 38,600,600 | |
|
|
— | — | — | — | — | — | — | — | — | — | 38,600,600 | |
| + |
 |
— | — | — | — | — | — | — | — | — | — | 0 |
| — | — | — | — | — | — | — | — | — | — | — | 0 | |
|
|
— | — | — | — | — | — | — | — | — | — | — | |
 |
— | — | — | — | — | — | — | — | — | — | 3,022,826 | |
|
|
— | — | — | — | — | — | — | — | — | — | — | |
|
|
— | — | — | — | — | — | — | — | — | — | 3,022,826 | |
|
|
— | — | — | — | — | — | — | — | — | — | — | |
 |
— | — | — | — | — | 0 | 0 | 268,702 | 249,915 | 1,066,419 | — | |
 |
0 | 0 | 0 | 0 | 1,601 | 15,492 | 243,115 | 344,744 | 465,672 | 1,263,092 | 2,399,443 | |
 |
— | — | — | — | — | 15,492 | 243,115 | 344,744 | 465,672 | 1,263,092 | 2,399,443 | |
|
|
— | — | — | — | — | 0 | 0 | 0 | 0 | 0 | — | |
 |
15,196 | 44,134 | 77,482 | 98,657 | 172,602 | 338,807 | 776,926 | 1,476,625 | 5,543,462 | 20,010,729 | 49,544,676 | |
 |
— | — | — | — | — | 206,378 | 423,487 | 889,582 | 2,872,073 | 11,886,499 | 29,961,576 | |
 |
— | — | — | — | — | 11,995 | 37,317 | 26,403 | 526,896 | 1,271,718 | 2,360,573 | |
 |
— | — | — | — | — | 120,435 | 316,122 | 560,640 | 2,144,493 | 6,852,513 | 17,222,528 | |
 |
-14,695 | -41,687 | -72,099 | -58,407 | -42,459 | -18,216 | -3,733 | 630,119 | 943,721 | 6,977,733 | 26,693,483 | |
| Non operating income net |
 |
0 | 0 | 0 | 0 | 0 | 0 | -11,566 | 0 | 413,004 | 0 | 304,815 |
 |
-14,695 | -41,687 | -72,099 | -58,407 | -42,459 | -18,216 | -15,299 | 630,119 | 1,356,725 | 6,977,733 | 26,998,298 | |
| Tax expense |
 |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 122,183 | 544,507 | 2,835,816 | 9,539,222 |
 |
-14,695 | -41,687 | -72,099 | -58,407 | -42,459 | -18,216 | -15,299 | 507,936 | 812,219 | 4,141,917 | 17,459,076 | |
| Donations |
 |
7,155 | 0 | 0 | 0 | 0 | 213,882 | 86,420 | 41,173 | 0 | 0 | — |
 |
-7,540 | -41,687 | -72,099 | -58,407 | -42,459 | 195,666 | 71,121 | 549,109 | 812,219 | 4,141,917 | 17,459,076 |
Portfolio report
| 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Start date | 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 | 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 | |
| Impairment loss (reversal of impairment loss), gross loan portfolio |
 |
— | — | — | — | 15,492 | 243,115 | 344,744 | 465,672 | 1,263,092 | 2,399,443 |
 |
— | — | — | — | — | — | — | — | — | 2,399,443 | |
 |