ASA-Annual Report
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The Financial Analysis is an important instrument, which shows the overall condition and performance of an organization. Though the financial analysis is usually presented in brief but it can show the achievements and the failures, which can be compared with the previous year’s result. Financial Analysis is not only important to the management level but also to the members. The financial analysis of ASA is as follows: |
|
Portfolio |
2000 |
1999 |
|
Total loan disbursed |
7,780,364,000 |
6,619,326,000 |
|
Number of loans disbursed |
1,193,332 |
1,141,526 |
|
Average loan size |
6,520 |
5,799 |
|
Total loan portfolio (end balance, principal) |
3,985,598,017 |
3,694,350,172 |
|
Current |
3,965,750,979 |
3,683,163,033 |
|
Overdue |
19,847,038 |
11,187,139 |
|
Number of active clients (borrowers) |
1,128,693 |
1,084,318 |
|
Average portfolio balance by client (borrowers) |
3,531 |
3,407 |
|
Average loans portfolio balance (Annual) |
3,839,974,095 |
2,952,438,300 |
|
Total loan loss provision (end year) |
77,803,640 |
66,193,260 |
|
Total amount written off (end year) |
4,045,647 |
459,883 |
|
Total loan loss reserve (end year) |
201,557,184 |
127,799,191 |
|
Number of Loan Officer (end year) |
3,490 |
3,334 |
|
Number of full time staff (end year) |
5,347 |
5,145 |
|
Savings |
||
|
Total savings (end balance) |
1,607,267,134 |
1,269,003,678 |
|
Compulsory |
783,176,750 |
635,182,700 |
|
Voluntary |
824,090,384 |
633,820,978 |
|
Types of savings (end balance) |
1,607,267,134 |
1,269,003,678 |
|
Members |
1,554,662,995 |
1,082,813,840 |
|
Pass Book (Associate) |
14,786,160 |
73,312,155 |
|
Long-term |
37,817,979 |
112,877,683 |
|
Number of savings account (end balance) |
1,238,991 |
1,467,145 |
|
Members |
1,204,938 |
1,178,987 |
|
Pass Book (Associate) |
19,102 |
196,062 |
|
Long-term |
14,951 |
92,096 |
|
Average savings balance by account |
1,297 |
865 |
|
Members |
1,290 |
918 |
|
Pass Book (Associate) |
774 |
374 |
|
Long-term |
2,529 |
1,226 |
|
Savings on portfolio |
40.33% |
34.35% |
|
Savings on total assets |
32.72% |
29.22% |
|
Productivity and quantitative indicators |
||
|
Admin cost per taka money lent |
0.044 |
0.041 |
|
Admin cost per loan made |
288.09 |
238.47 |
|
Number of Active Borrowers/Loan Officer |
323.41 |
325.23 |
|
Portfolio per Loan Officer |
1,142,005 |
1,108,083 |
|
Portfolio per staff |
745,390 |
718,047 |
|
Portfolio in arrears |
0.50% |
0.30% |
|
Portfolio at risk |
0.94% |
0.80% |
|
Loan loss ratio |
0.11% |
0.01% |
|
Reserve ratio |
5.05% |
3.46% |
|
Financial indicators |
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|
Effective yield on average assets |
23.92% |
21.17% |
|
ROE (Average return on equity) |
13.62% |
10.91% |
|
ROA (Average return on assets) |
4.60% |
3.27% |
|
Operating financial self-sufficiency |
135.52% |
132.62% |
|
Financial self-sufficiency |
123.81% |
118.25% |
|
Total expenses/Total average assets |
19.32% |
17.90% |
|
Financial costs/Total average assets |
8.09% |
6.69% |
|
Adjustment costs/Total average assets |
1.67% |
1.94% |
|
Loan loss costs/Total average assets |
1.77% |
1.81% |
|
Admin costs/Total average assets |
7.80% |
7.46% |
|
Total equity/assets |
34.26% |
29.80% |
|
Total equity/liability |
30.31% |
46.86% |
|
Other |
||
|
Total perform. assets (end balance) |
4,912,074,690 |
3,903,588,638 |
|
Total capital or equity (end balance) |
1,682,712,673 |
1,294,156,722 |
|
Average capital or equity |
1,488,434,698 |
1,092,543,269 |
|
Total concessional loan (end balance) |
1,622,094,883 |
1,322,094,883 |
|
Average concessional loan (end balance) |
1,472,094,883 |
1,011,297,442 |
|
Admin costs on total expenses |
40.37% |
41.68% |
|
Personnel costs on total expenses |
33.69% |
33.94% |