institutional characteristics

7/29/2019 Institutional Characteristics

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Institutional Characteristics

Financing Structure

Financing Structure

MFI name SKS SKS

Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in theFAQ's

4

Currency INR INR

Fiscal year 2011 2012

Period type ANN QTR

As of date 2012-03-31 2012-09-30

Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

20.63%

Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

0.00%

Deposits to total assetsDeposits to total assets

Deposits / Total Assets

Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

70.55%

Outreach Indicators

Outreach Indicators

MFI name SKS SKS



4

Currency INR INR


Period type ANN QTR

As of date 2012-03-31 2012-09-30

+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

4,256,719 3,976,564

Percent of female borrowers

+ Number of loans outstandingNumber of loans outstanding 4,269,870 3,976,564
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2/7

Outreach Indicators

Number of loans outstanding

+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio 16,689,040,203 13,198,400,769

Average loan balance per borrowerAverage loan balance perborrower

Gross Loan Portfolio / Number of Active Borrowers

3,921 3,319

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 Outstanding3,909 3,319

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

0

+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts0

+ DepositsDeposits

Total value of all deposit accounts

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

Average deposit account balanceAverage deposit accountbalance

Deposits / Number of Deposit Accounts

Average deposit account balance / GNI per capitaAverage
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Outreach Indicators

deposit account balance / GNI per capita

Average Deposit Account Balance / GNI per Capita

Overall Financial PerformanceOverall Financial Performance

MFI name SKS SKS



4

Currency INR INR


Period type ANN QTR

As of date

2012-03-

31

2012-09-

30

Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

Operational self sufficiencyOperational self sufficiency

Financial Revenue / (Financial Expense + Net Impairment Loss +

Operating Expense)

Revenues

Revenues

MFI name SKS SKS



4

Currency INR INR


Period type ANN QTRAs of date

2012-03-

31

2012-09-

30

Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

Profit marginProfit margin
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4/7

Revenues

Net Operating Income / Financial Revenue

Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio 14.71%

Yield on gross portfolio (real)Yield on gross portfolio (real)

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

3.77%

Expenses

Expenses

MFI name SKS SKS


Annual Diamonds - Please see details in theFAQ's4

Currency INR INR


Period type ANN QTR

As of date2012-03-

31

2012-09-

30

Total expense/ assetsTotal expense/ assets

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

Average Total Assets

Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

Efficiency
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Efficiency

MFI name SKS SKS



4

Currency INR INR


Period type ANN QTR

As of date 2012-03-31 2012-09-30

Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

15.45%

Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

9.55%

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

842

Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

804

ProductivityProductivity

MFI name SKS SKS



4

Currency INR INR


Period type ANN QTR

As of date 2012-03-31 2012-09-30

Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

263 336

Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

264 336

Borrowers per loan officerBorrowers per loan officer 411 529
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6/7

Productivity

Number of Active Borrowers / Number of Loan Officers

Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers 412 529

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

63.94% 63.52%

Risk And Liquidity

Risk And Liquidity

MFI name SKS SKS



4

Currency INR INR


Period type ANN QTR

As of date 2012-03-31

2012-09-30

Portfolio at risk > 30 daysPortfolio at risk > 30 days

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

Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

42.73%

Loan loss rateLoan loss rate

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

41.91%

Risk coverageRisk coverage
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7/7

Risk And Liquidity

Impairment Loss Allowance / PAR > 30 Days

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

a % of total assets

Cash and banks / Total Assets

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