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SAREERAM SRILANKA NATIONAL FOUNDATION (Inc.)
FINANCIAL SUMMARY AND PORTFOLIO INFORMATION
PROJECT :- MICRO FINANCE SERVICE
PERIOD :- 01.04.2009 TO 31.03.2010
Balance sheet
Assets Liabilities
Cash and Bank 49,545,552 Short term liabilities 76,564
Gross Portfolio 176,243,042 Subsidized loans 90,454,685
(Loan Loss Reserve) (1,906,278)Market rate loans 1,321,763
Net Portfolio 174,336,764 Clint Savings 10,209,468
Advanced A/c. 1,277,000 Total Liabilities 102,062,480
Fixed Assets 28,245,999 Capital fund 54,472,333
Project fund 91,500,000
Cum.Gains/losses 5,370,503
Total Equity 151,342,835
Total Assets 253,405,315 Liabilities and Equity 253,405,315
Income and Expenses Statement
Interest and fees from loans 22,697,766
Interest on deposits 1,942,696
Other Operating Income 2,328,200
(Financial cost) (9,600,628)
Gross Margin 17,368,034
(Loan Loss Provisions) (957,479)
Net margin 16,410,555
( Operating expenses) (12,757,172)
Operating Profit/Loss 3,653,383
Non - operating income -
(Non - operating expenses) (3,257,818)
Grants -
Final Result for period 395,565
Loan Portfolio Report
Portfolio Report 31.03.2010
P1 Total value of loans disbursed during period 96,020,000
P2 Total number of loans disbursed during period 3,246
P3 Number of loans outstanding (end of period) 6,114
P4 Value of loans outstanding (end of period, gross) 176,243,042
P5 Average amount of loan outstanding (P4/P3) 28,826
Average outstanding balance of loans
P6 (present year+ last year)/2 175,869,789
P7 Value of payments in arrears (end of period) 495,658
P8 Value of ourstanding balance of loans in arrears (end of Period) 2,896,900
P9 Value of loans written off during period -
P10 Average initial loan size 29,581
P11 Average loan term (months) 12
P12 average number of loan officers during period 15
(C)
(A) (B) Loan Loss
Number of Outstanding Balance Reserve (%)
Ageing Report Loans in Arrears
P13 1-30 days past due 32 947,900.00 1%
31-60 days past due 22 655,000.00 5%
61-90 days past due 9 250,500.00 10%
91-180 days past due 35 1,043,500.00 25%
181-365 days past due 0 - 50%
> 365days 0 - 100%
P17 Total 98 2,896,900.00
Portfolio Quality Ratios (%) 31.03.2010
Value of Payments in Arrears (P7)
Portfolio in Arrears = ------------------------------------------------------
1 Value of Loans Outstanding (P4) 0.28%
Value of Outstanding Balance of Loans
in Arrears (P8)
Portfolio at Risk = ----------------------------------------------------------------
2 Value of Loans Outstanding (P4) 1.64%
Amount written off in Period (P9)
Loan Loss Ratio = -----------------------------------------------------------------
3 Average Outstanding Balance of Loans (P6) 0.00%
Loan Loss Reserve (P17)
Loan Loss Reserve Ratio = ----------------------------------------------------
4 Value of Loans Outstanding (P4) 0.19%
Form B : Sustainability and Efficiency Performance Indicators
Financial Sustainability Ratios (%) 31.03.2010
Financial Costs
Financial Cost Ratio = ----------------------------------------------
5 Average Total assets 3.79%
Donations and Grants
Donations and Grants Ratio = ---------------------------------------
6 Average Total Assets 0.00%
Financial Income
Operating Self-sufficiency = ----------------------------------------
Financial + Operational Costs +
7 Provosion for Loan Losses 116%
Financial Income
Financial Self-sufficiency = -----------------------------------------
Financial + Operational Costs +
Provision for Loan Losses +
8 Imputed Cost of Capital 116%
Net Income
Return on Equity = -----------------------------------------
9 Average Equity 2.41%
Foperating efficiency Ratios (%) 31.03.2010
Operating Costs
Cost per Unit of Money Lent = ----------------------------------
10 Total Amount Disbursed (P1) 13.29%
Operating Costs
Cost per Loan Made = ---------------------------------------
11 # of Loans made (P2) 3,930
# of Active Borrowers (P3)
Number of Active Borrowers
Per Loan Officer = ----------------------------------------
12 # of Loan Officers (P12) 408
Value of Loans Outstanding (P4)
Loan Portfoilo per
Loan Officer = -----------------------------------------
13 # of Loan Officers (P12) 11,749,536
Prsent 06 Month Period:
Operating efficiency Ratios (%) 01.10.2007 - 31.03.2008
14 Current ratio (%) = Current assets/Current Liabilities 221%
15 Solvency ratio (%) = Equity/Total Assets 60%
Individual savings:1183
16 Number of Voluntary Savings Clients (end of period) CBOo savings :65
17 Total Balance of Voluntary Savings Accounts (end of period) 10,209,468
(D)
Loan Loss
Reserve
(B) x (C)
9,479.00
32,750.00
25,050.00
260,875.00
0.00
0.00
328,154.00
