SAJIDA FOUNDATION

5 Years Microfinance Performance Analysis (Amount in BDT)
INDICATORS FY 2013-14 FY 2014-15 FY 2015-16 FY 2016-17 FY 2017-18
GENERAL INFORMATION          
Number of Branch  102  124 162 188 178
Total Assets (Tk. in Crore)  347.13  371.76 566.66 904.87 1,370.00
Net Income during the year (Tk. in Crore) 17.63 17.31  27.69 56.93 57.43
Total Equity (Tk. in Crore) 71.85 89.55 117.95 177.65 232.78
Total Staff 646 758 1,013  1,555 3,185
FINANCING STRUCTURE
Capital/Asset Ratio 20.70%  24.09 20.82%  19.63% 16.99%
Debt to Equity Ratio  3.20  2.61  3.25 3.61  4.31
Portfolio to Assets 74.88% 76.24% 81.43% 82.80% 86.54%
OVERALL FINANCIAL PERFORMANCE
Return on Assets 5.56% 4.81% 5.90% 7.74% 5.05%
Return on Equity 27.77% 21.44% 26.69% 38.52% 27.98%
Operational Self-Sufficiency 107.34% 116.67% 106.99% 112.38% 111.35%
Overall Self-Sufficiency 123.85% 120.13% 128.15% 139.21% 124.97%
REVENUES
Financial Revenues/Assets 26.19% 26.62% 25.31% 26.49% 24.16%
Profit Margin 19.26% 16.76% 21.96% 28.16% 19.98%
Yield on Gross Portfolio 22.49% 25.92% 20.90% 21.21% 21.42%
EXPENSES
Total Expenses/Assets 21.29% 23.12% 17.36% 16.05% 16.78%
Financial Expenses/Assets 4.63% 5.11% 3.73% 4.45% 5.00%
Operating Expenses/Assets 18.25% 18.64% 16.46% 14.26% 14.19%
Personnel Expenses/Assets 9.10% 9.11% 8.97% 8.40% 8.18%
Administrative Expenses/Assets 8.17% 7.81% 6.45% 4.83% 4.20%
OUTREACH INDICATORS
Number of Borrower  133,362 134,362 165,883 193,280 236,338
Loan Portfolio (Tk. in Crore) 259.92 283.44 461.45  749.26 1,185.55
Average Loan Balance per Borrower 19,490 21,095 27,818 38,765 50,163
Growth in Average Outstanding per Borrower 25.13% 9.05% 62.80% 62.80% 58.23%
Cost per Borrower  2,545 2,683 2,611 3,229 5,404
Cost per Loan 2,188 2,382 2,469 1,992 4,519
Portfolio at Risk 2.99% 5.22% 3.83% 1.96% 3.89%
PRODUCTIVITY
Borrower per Staff 132 124 126 110 118
Loan Outstanding per Staff (In Lac) 25.71 26.22 34.96 42.74 58.95
RISK COVERAGE AND LIQUIDITY
Write-off Ratio 0.51% 0.37% 0.53% 1.32% 0.19%
Loan Loss Rate 0.50% 0.36% 0.52% 1.31% 0.19%
Risk Coverage Ratio 109.84% 111.29% 118.62% 103.07% 92.13%
Non-earning Liquid Assets as a % of Total Assets 13.99% 9.63% 5.80% 5.10% 3.31%