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Financial Information
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SEVEN YEARS' FINANCIAL SUMMARY |
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2006 |
2005 |
2004 |
2003 |
2002 |
2001 |
2000 |
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Operational Results -
Rs. in million |
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Total disbursements |
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6,246 |
4,064 |
2,436 |
1,777 |
1,189 |
598 |
59 |
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Total income (including other
income) |
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763 |
305 |
222 |
230 |
145 |
73 |
28 |
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Surplus before provisions for
taxation and loan loss |
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572 |
152 |
133 |
149 |
94 |
47 |
3 |
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Surplus after provisions for
taxation and loan loss |
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501 |
196 |
81 |
92 |
59 |
44 |
3 |
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Balance Sheet -
Rs. in million |
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Total assets (less current
liabilities) |
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13,162 |
8,689 |
3,496 |
2,703 |
1,656 |
931 |
472 |
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Micro credit loans receivable |
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3,996 |
2,598 |
1,081 |
1,201 |
695 |
285 |
36 |
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Total investments |
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7,096 |
4,401 |
2,287 |
1,465 |
833 |
588 |
211 |
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Equity and reserves |
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1,788 |
1,137 |
791 |
710 |
618 |
559 |
216 |
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Long term and deferred liability |
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11,374 |
7,552 |
2,705 |
1,993 |
1,038 |
372 |
256 |
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Disbursements -
Rs. in million |
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Microcredit loans |
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3,705 |
3,106 |
1,462 |
1,314 |
655 |
332 |
36 |
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Grants |
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2,541 |
958 |
974 |
463 |
534 |
266 |
23 |
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Financial Ratios |
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Surplus before tax and loan loss
ratio |
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75% |
50% |
60% |
65% |
65% |
64% |
11% |
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Return on assets |
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5% |
3% |
3% |
4% |
4% |
6% |
1% |
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Return on equity |
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34% |
20% |
11% |
14% |
10% |
11% |
2% |
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Repayment rate (micro credit) |
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100% |
100% |
100% |
100% |
100% |
100% |
100% |
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General and admin expenses/average
total assets |
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1% |
1% |
2% |
3% |
3% |
3% |
5% |
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Income on loans/general and admin.
expenses |
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164% |
101% |
97% |
89% |
68% |
46% |
2% |
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Cost of credit delivery /
Microcredit disbursments |
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2% |
2% |
3% |
4% |
4% |
4% |
24% |
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Cost of grant delivery / Grants
disbursments |
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2% |
2% |
3% |
4% |
4% |
4% |
24% |
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Debt/equity |
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85 : 15 |
85 : 15 |
78 : 22 |
73 : 27 |
63 : 37 |
41 : 59 |
38 : 62 |
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Current ratio |
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288 : 1 |
125 : 1 |
23 : 1 |
32 : 1 |
18 : 1 |
80 : 1 |
35 : 1 |
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