Ratio Analyses

Sno. Ratio Formula Ratio Interpretation

Value
1. Portfolio Quality Ratio
a Arrears Rate Payment in 0.00% Indicates amount of loan
arrears/Value of payments past due
loan Outstanding
b Portfolio at Balance of loans 0.00% Measures amount of
risk in arrears/ value default risk in portfolio
of loan
Outstanding
c Loan loss rate Amount written 0.00% Indicates the extent of
off/average loan uncollectible loans over
outstanding the last period
d Loan loss Loan loss reserve/ 1.80% Indicates adequacy of
reserve value of loans reserve in relation to
outstanding portfolio
2. Efficiency Ratios
a No. of active No. of active 104 Indicates performance of
loan clients per borrower/ No. of staff and efficiency of
staff staff methodology
b No. of active No. of active 150 Indicates performance of
loan clients per borrower/ No. of loan officer and
loan officer loan officer efficiency of
methodology
c Operating cost Operating 53.45% Indicator of efficiency of
ratio expenses/Avg. GK (lending institution)
performing assets
3.Profitability Ratios
a Return on Financial -1.91% Indicates the financial
assets income/ average productivity of credit
assets services and investment
activities.
b Cost per unit of Operating costs/ 0.26 Indictes efficiency in
money lent total amount disbursing loans (in
disbursed monetary terms)
c Operational self Financial 75.96% Shows ability of GK to
sufficiency income/(financial cover costs of operation
& operating cost with internally generated
+ provision ) income