APPENDICES

Annex 1
Operating Expense Ratio
Operating Expense Ratio =
Average gross loan portfolio

= Staff expenses+ other operating expenses +Staff bonus

Average gross loan portfolio
Nirdhan Utthan Bank
13548600.12+238475373.01+4438645.06
OER =
(3638027441.99+2660904896.06) / 2
= 8.54%

Deprosc Laghubitta Bikas Bank

78496551.79+25466703.73+8851033
OER =
(1482775319+1206232609) /2
= 8.39%
Swablamban Laghubitta Bikas Bank
223379465+ 50695350+9340125
OER =
(2547944197+2094300760) / 2
= 12.2%
Chhimek Bikas Bank
(152765926.92+66623577.58+15439643.4)
OER =
(3218943370+2341912926)/2
= 8.44%

Annex 2
Operating expense
Cost per Borrower =
Average number of active borrower

Nirdhan Utthan Bank

CBP =

296680430.2
238926

= Rs. 1241

Deprosc laghubitta Bikas Bank

CBP =

112814288.5
(58520+51867) / 2

= Rs. 2021.99

Swabalamban Laghubitta Bikas Bank

CBP =

283404940
(113779+108945) /2

= Rs.1272.44

Chimmek Bikas Bank

234829147.9
CBP =
(137204+113963) / 2
= Rs. 1869.9

Annex 3
PAR (XX days)
Portfolio At =
Gross loan portfolio

Risk

Value of Loans Written off

Write-Off Ratio =

Average Gross Loan Portfolio

Nirdhan Utthan Bank

PAR (3-6Months) = 1683386 / 3638027441.99
= 0.046%
PAR (6-12 Months) = 2827597 / 3638027441.99
= 0.07%
PAR (> 12 Months) = 29301756.85 / 3638027441.99
= 0.8%
Write off= 0%

Deprosc Laghubitta Bikas Bank

PAR (3-6 Months) = 248269 / 1482775319
= 0.016%
PAR (6-12 Months) = 644475 / 1482775319
= 0.043%
PAR (> 12 Months) = 6012824 / 1482775319
= 0.4%
Write off= 3158738 / 1344503964

= 0.234%

Swabalamban Laghubitta Bikas Bank

PAR (3-6 Months) = 9801683 / 2547977197
= 0.384%
PAR (6-12 Months) = 4222940 / 2547977197
= 0.165%
PAR (> 12 Months) = 16149309 / 2547977197
= 0.633%
Write off= 6537606 / 2321122479
= 0.281%

Chhimek Bikas Bank

PAR (3-6 Months) = 225221 / 3218943370
= 0.006%
PAR (6-12 Months) = 242946 / 3218943370
= 0.037%
PAR (> 12 Months) = 1198743 / 3218943370
= 0.037%
Write off= 0%