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Loan Portfolio Analysis and Metrics

This document contains operating expense ratios, cost per borrower ratios, and portfolio at risk ratios for four microfinance banks - Nirdhan Utthan Bank, Deprosc Laghubitta Bikas Bank, Swablamban Laghubitta Bikas Bank, and Chhimek Bikas Bank. It provides the calculations to determine the ratios for each bank using data on expenses, loan portfolio amounts, number of active borrowers, and amounts of loans written off. The ratios show the operating efficiency and loan repayment performance of each bank.

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118 views4 pages

Loan Portfolio Analysis and Metrics

This document contains operating expense ratios, cost per borrower ratios, and portfolio at risk ratios for four microfinance banks - Nirdhan Utthan Bank, Deprosc Laghubitta Bikas Bank, Swablamban Laghubitta Bikas Bank, and Chhimek Bikas Bank. It provides the calculations to determine the ratios for each bank using data on expenses, loan portfolio amounts, number of active borrowers, and amounts of loans written off. The ratios show the operating efficiency and loan repayment performance of each bank.

Uploaded by

feelnknow
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd

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%

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