Monthly Trends Monthly Trends Monthly Trends Monthly Trends

Ratios and Misc. Stats | (USD)

| Sep-20 | Aug-20 | Jul-20 | Jun-20

1 - Impact
    % Female Clients 87.71% 87.72% 87.68% 87.69%
    % Rural 60.60% 60.11% 60.44% 60.79%
    % Agriculture 9.34% 9.27% 9.36% 9.51%
    Client Turnover (YTD, annualised) 27.41% 27.87% 24.87% 20.53%
2 - Outreach
    # of Active Borrowers 43,337 43,059 44,529 44,413
    Average Loan Disbursed - First Time Borrower
942 (12M) 1,116 1,221 1,713
    Average Loan Disbursed (12M) 753 765 743 781
    # Voluntary Savings Clients 0 0 0 0
    # Jobs Impacted 46,292 47,688 49,580 46,527
3 - Portfolio Quality
    PAR 1 (%) 13.50% 14.21% 14.62% 11.36%
    PAR 1 (amount) 2,403,482 2,518,790 2,544,566 1,929,386
    PAR 30 (%) 10.48% 9.07% 7.36% 5.18%
    PAR 30 (amount) 1,865,027 1,608,238 1,280,105 879,020
    Restructured Portfolio (amount) 0 0 0 0
    Loans written-off (YTD) 571,315 574,267 367,992 361,732
    Loans written-off (period) -2,952 206,275 6,260 -7,027
    Loan Loss Rate 12M 2.96% 3.56% 3.03% 4.25%
    PAR 30 + LLR 13.43% 12.64% 10.39% 9.43%
5 - Performance Ratios
    Operational Sustainability (period) 99.66% 97.91% 10.27% 101.20%
    Operational Sustainability (12M) 101.86% 102.44% 103.20% 104.82%
    Yield on Portfolio (12M) 65.57% 68.60% 69.12% 72.37%
    Other Financial Revenue Yield Ratio (12M)
1.78% 1.51% 1.01% 1.06%
    Financial Yield Ratio (12M) 67.36% 65.49% 65.53% 73.44%
    Provision Expense Ratio (12M) 8.64% 6.71% 5.69% 6.18%
    Operating Cost Ratio (period, annualised)
74.32% 31.56% 4.92% 36.28%
    Operating Cost Ratio (12M) 41.13% 40.46% 41.57% 46.31%
    Net Operating Spread - Excluding FCR 17.59%
(12M) 18.31% 18.28% 20.94%
    Financial Cost Ratio (12M) 15.34% 14.58% 14.41% 16.17%
    Net Operating Spread (12M) 2.24% 3.74% 3.87% 4.77%
    Debt to Equity Ratio 5 6 6 5
    Debt to Equity Ratio (Adjusted) 3 3 3 3
    Return on Assets (12M) 1.00% 1.23% 1.56% 2.66%
    Return on Equity (12M) 6.24% 8.04% 10.27% 16.45%
    Value of Loans Disbursed (YTD) 74,672,132 68,914,669 62,278,937 55,381,317
    Value of Loans Disbursed (period) 5,757,463 6,635,732 6,897,620 3,498,142
    Value of Loans Collected (YTD) 74,964,449 69,470,724 63,060,664 56,012,370
    Value of Loans Collected (period) 5,564,823 5,515,117 5,642,567 4,942,350
    Balloon Loans (% of portfolio) 0.22% 0.20% 0.20% 0.27%
6 - Productivity
    Number of Personnel 345 350 371 378
    Number of Loan Officers 162 163 177 186
    Borrowers per Loan Officer 268 264 252 239
    Cost per Borrower 183 176 176 191
    Cost per Loan Disbursed 374 349 353 399
    # of Branches 26 26 26 26
    Borrowers per Branch 1,667 1,656 1,713 1,708
    Loan Officers per Branch 6 6 7 7
Monthly Trends Monthly Trends Monthly Trends Monthly Trends Monthly Trends Monthly Trends
| May-20 | Apr-20 | Mar-20 | Feb-20 | Jan-20 | Dec-19

87.66% 87.61% 87.68% 87.72% 87.78% 87.85%

61.05% 61.09% 61.48% 61.70% 61.89% 61.80%
9.70% 9.62% 9.20% 9.23% 9.21% 9.14%
21.24% 23.17% 9.52% 11.06% 16.32% 19.25%

45,061 46,610 49,997 50,076 49,639 49,176

1,393 1,392 1,375 1,410 1,430 1,410
1,026 762 884 837 768 762
0 0 0 0 0 0
46,745 52,996 51,741 51,311 51,686 53,601

7.00% 6.48% 4.97% 4.66% 4.53% 4.93%

1,281,245 1,137,808 950,305 1,059,601 1,050,980 1,133,533
4.57% 4.22% 3.18% 2.84% 2.67% 2.40%
836,920 741,672 607,890 645,494 620,225 550,577
0 0 0 0 0 0
368,759 352,004 355,504 393,774 400,595 399,764
16,755 -3,500 -38,270 -6,821 831 399,764
4.15% 4.12% 4.05% 3.89% 3.89% 3.97%
8.72% 8.34% 7.23% 6.73% 6.57% 6.37%

98.04% 100.47% 102.20% 110.57% 110.37% 106.90%

105.01% 105.57% 105.28% 105.82% 104.87% 103.74%
70.90% 73.16% 72.17% 65.49% 63.92% 63.81%
0.73% 0.56% 0.42% 0.33% 0.29% 0.30%
71.63% 73.72% 72.59% 65.82% 64.21% 64.11%
5.27% 5.55% 5.30% 4.84% 4.89% 4.87%
38.83% 37.23% 40.08% 41.11% 40.87% 43.65%
45.37% 46.86% 46.82% 42.61% 41.93% 42.49%
20.98% 21.31% 20.47% 18.38% 17.39% 16.75%
15.70% 15.83% 15.35% 14.02% 13.70% 13.71%
5.28% 5.48% 5.12% 4.36% 3.69% 3.05%
6 5 5 5 5 5
3 3 3 3 3 3
2.79% 3.21% 3.11% 3.11% 2.57% 2.04%
17.34% 20.18% 19.46% 23.53% 19.29% 15.12%
51,883,175 46,337,577 43,316,968 39,533,097 32,509,612 24,115,625
5,545,598 3,020,609 3,783,871 7,023,486 8,393,986 8,337,688
51,775,046 45,393,788 41,031,177 37,500,873 30,786,801 22,521,063
3,817,237 4,368,904 7,212,795 7,407,475 8,396,642 7,832,528
0.26% 0.24% 0.24% 0.25% 0.25% 0.25%

376 385 385 386 394 398

 186 194 194 197 203 207
242 240 258 254 245 238
191 187 178 177 177 178
511 380 431 394 359 364
26 26 26 26 26 26
1,733 1,793 1,923 1,926 1,909 1,891
7 8 8 8 8 8
Monthly Trends Monthly Trends Monthly Trends
| Nov-19 | Oct-19 | Sep-19

87.74% 87.62% 87.66%

60.92% 60.88% 61.12%
9.19% 9.04% 8.92%
-0.59% 1.72% 15.03%

50,679 49,506 48,704

1,419 1,395 1,361
756 749 742
0 0 0
52,431 51,494 51,088

5.55% 5.31% 5.26%

1,241,603 1,148,721 1,097,423
3.56% 3.42% 3.07%
795,848 739,491 639,122
0 0 0
0 0 645,074
0 0 93,096
3.27% 3.33% 3.33%
6.82% 6.74% 6.39%

104.52% 104.83% 104.76%

101.16% 100.69% 100.16%
66.20% 66.25% 65.02%
0.31% 0.30% 0.29%
66.51% 66.55% 65.31%
5.99% 5.90% 5.66%
41.51% 43.76% 43.02%
44.92% 45.31% 45.06%
15.60% 15.35% 14.59%
14.12% 14.43% 14.21%
1.48% 0.92% 0.38%
5 5 5
4 4 3
0.68% 0.40% 0.19%
4.80% 2.79% 1.17%
15,777,937 7,827,174 83,200,198
7,950,762 7,827,174 8,376,200
14,523,646 7,577,379 78,669,924
7,085,941 7,577,379 6,725,604
0.26% 0.27% 0.27%

406 406 407

 213 204 208
238 243 234
175 177 179
374 374 376
26 25 25
1,949 1,980 1,948
8 8 8
 Month to Date | 30- Month to Date | Aug-
(USD) Month to Date | Jul-20
Sep-20 20

    Financial Revenue 1,853,569 1,044,885 19,977

    Financial Expense 469,520 248,395 -3,416
    Net Foreign Exchange Gain / (Loss) 259 4,407 109
    FINANCIAL INCOME/ (LOSS) 1,384,308 800,897 23,502
    Provision for Losses on Loans 487,952 276,664 26,529
    Operating Expense 1,100,188 462,037 70,450
    OPERATING INCOME/ (LOSS) -203,832 62,197 -73,476
    Non-Operating Revenue 259,090 -55,442 -113,741
    NET INCOME/ (LOSS) Before Taxes and Donations
55,258 6,755 -187,217
    Tax Expense 61,656 31,121 -58
    NET INCOME/ (LOSS) After Taxes & Before Donations
-6,398 -24,366 -187,159
    Donations 0 0 0
    NET INCOME/ (LOSS) After Taxes & Donations -6,398 -24,366 -187,159
 Month to Month to Month to Month to Month to Month to Month to
Month to Date | Jun-20 Date | Date | Date | Date | Date | Date | Date |
May-20 Apr-20 Mar-20 Feb-20 Jan-20 Dec-19 Nov-19
925,119 909,986 957,456 1,206,507 1,233,710 1,288,455 1,268,682 1,150,787
240,637 252,079 238,641 252,022 259,121 271,184 262,113 236,716
-6,700 -2,063 34,421 -34,327 24,680 20,622 47,413 1,401
677,782 655,844 753,236 920,158 999,269 1,037,893 1,053,982 915,472
211,449 59,276 122,753 93,268 64,012 86,929 64,230 87,964
533,549 580,497 568,902 698,924 786,947 786,270 824,749 761,465
-67,216 16,071 61,581 127,966 148,309 164,694 165,003 66,043
108,584 -4,497 -28,150 -70,177 8,971 -4,719 24,029 7,442
41,368 11,574 33,431 57,789 157,280 159,975 189,032 73,485
30,425 29,650 28,683 31,772 35,826 35,331 102,825 23,370
10,943 -18,076 4,748 26,017 121,454 124,644 86,207 50,115
0 0 0 0 0 0 0 0
10,943 -18,076 4,748 26,017 121,454 124,644 86,207 50,115
Month to Month to
Date | Date |
Oct-19 Sep-19
1,158,365 1,096,739
238,509 232,872
9,868 379
929,724 864,246
88,582 74,634
774,918 727,204
66,224 62,408
11,406 10,622
77,630 73,030
23,223 22,746
54,407 50,284
0 0
54,407 50,284
 Month End Balances | Month End Balances | Month End Balances |
(USD)
30-Sep-20 Aug-20 Jul-20

    Assets 25,206,442 26,101,904 25,885,541

        Cash and Bank 1,322,004 1,062,745 930,050
        Short-Term Investments 5,115,796 5,560,539 5,797,271
        Gross Loan Portfolio 17,801,215 17,726,836 17,404,285
        Impairment Loss Allowance -1,868,801 -1,607,414 -1,495,292
        Net Loan Portfolio 15,932,414 16,119,422 15,908,993
        Interest Receivable 736,767 766,656 722,845
        Other Assets 932,811 1,384,110 1,307,611
        Net Fixed Assets 1,166,650 1,208,432 1,218,771
    Liabilities 21,314,588 22,427,999 22,216,841
        Borrowings 17,644,549 17,965,893 18,124,737
        Client Deposits 0 0 0
        Interest Payable 366,843 623,586 513,744
        Other Liabilities 3,303,196 3,838,520 3,578,360
    Net Worth / Equity 3,891,854 3,673,905 3,668,700
        Retained Earnings Donated Equity and Share
4,440,189
Capital 4,187,637 4,212,003
        Other Equity & Reserves -548,335 -513,732 -543,303
    Total Liabilities & Equity 25,206,442 26,101,904 25,885,541
 Month Month Month Month Month Month Month
Month End Balances | End End End End End End End
Jun-20 Balances | Balances | Balances | Balances | Balances | Balances | Balances |
May-20 Apr-20 Mar-20 Feb-20 Jan-20 Dec-19 Nov-19
24,110,159 ### ### ### ### ### ### ###
1,088,810 726,887 773,635 1,249,930 2,276,518 1,922,734 1,990,816 768,769
4,905,173 4,843,700 3,580,325 1,475,275 1,029,612 930,130 138,468 198,568
16,981,668 ### ### ### ### ### ### ###
-1,149,941 -974,536 -837,183 -728,362 -781,292 -734,262 -641,378 -955,718
15,831,727 ### ### ### ### ### ### ###
760,098 856,304 554,734 607,252 694,212 649,231 654,656 644,326
1,342,928 1,266,905 1,119,478 1,104,699 1,309,275 1,265,648 1,102,493 1,159,968
181,423 330,295 309,829 322,940 401,855 431,143 438,194 435,566
20,360,590 ### ### ### ### ### ### ###
17,555,332 ### ### ### ### ### ### ###
0 0 0 0 0 0 0 0
338,363 682,769 503,009 281,512 668,765 573,910 342,118 539,641
2,466,895 2,597,079 2,310,128 2,238,681 2,413,054 2,265,408 2,159,347 1,976,641
3,749,569 3,885,170 3,557,164 3,617,279 4,405,875 4,445,714 4,303,765 4,091,172
4,399,162 4,388,219 4,406,295 4,401,547 4,375,530 4,254,075 4,129,432 4,052,739
-649,593 -503,049 -849,131 -784,268 30,345 191,639 174,333 38,433
24,110,159 ### ### ### ### ### ### ###
 Month Month
End End
Balances | Balances |
Oct-19 Sep-19
### ###
1,117,567 877,562
695,279 208,611
### ###
-879,846 -768,552
### ###
575,625 571,276
1,133,801 1,240,561
449,498 222,913
### ###
### ###
0 0
499,668 263,105
1,845,737 1,708,158
4,096,275 3,887,317
4,012,648 5,025,349
83,627 -1,138,032
### ###