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| Performance Indicators & Ratio Analysis, December 2018 | |||||||||
| Sl. No. | Particulars | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| Institutional characteristic: | |||||||||
| 1 | Total assets (In million Taka.) | 140,441 | 158,952 | 178,937 | 200,961 | 220,885 | 229,361 | 239,619 | 263,554 |
| Total assets (In million USD) | 1,763 | 1,974 | 2,301 | 2,593 | 2,804 | 2,920 | 2,903 | 3,141 | |
| 2 | Number of offices | 2,912 | 2,914 | 2,914 | 2,915 | 2,914 | 2,906 | 2,893 | 2,881 |
| Number of employees | 22,128 | 22,261 | 21,851 | 21,807 | 21,651 | 21,043 | 18,185 | 18,105 | |
| Outreach indicators : | |||||||||
| 3 | Number of branches | 2,565 | 2,567 | 2,567 | 2,568 | 2,568 | 2,568 | 2,568 | 2,568 |
| 4 | Number of members (In millions) | 8.37 | 8.37 | 8.54 | 8.64 | 8.81 | 8.90 | 8.93 | 9.08 |
| 5 | Number of borrowers (In millions) | 6.58 | 6.71 | 6.74 | 7.03 | 7.18 | 7.29 | 7.23 | 7.12 |
| 6 | Number of borrowers per branch (year-end) | 2,566 | 2,613 | 2,625 | 2,739 | 2,796 | 2,837 | 2,814 | 2,772 |
| 7 | Number of loan officers | 12,537 | 12,779 | 12,826 | 12,800 | 12,734 | 12,279 | 11,922 | 11,739 |
| 8 | Percent of women members | 96.12% | 96.23% | 96.21% | 96.26% | 96.51% | 96.54% | 96.65% | 96.66% |
| 9 | Average loan balance per borrower (Taka) | 11,442 | 11,972 | 12,522 | 12,438 | 13,427 | 16,230 | 19,997 | 21,581 |
| Average loan balance per borrower (USD) | 144 | 149 | 161 | 160 | 170 | 207 | 242 | 257 | |
| Loan portfolio : | |||||||||
| 10 | Loans (Principal Amount) disbursed (In million Taka) | 108,539 | 118,609 | 126,026 | 133,321 | 149,227 | 187,533 | 234,715 | 246,810 |
| Loans (Principal Amount) disbursed (In million USD) | 1,362 | 1,473 | 1,621 | 1,720 | 1,894 | 2,388 | 2,843 | 2,942 | |
| 11 | Number of loans disbursed (In millions) | 8.00 | 8.17 | 7.38 | 7.48 | 8.18 | 8.11 | 9.29 | 8.92 |
| 12 | Total loan outstanding (gross) (In million Taka) | 75,294 | 80,317 | 84,381 | 87,491 | 96,422 | 118,244 | 144,505 | 153,601 |
| Total loan outstanding (gross) (In million USD) | 945 | 997 | 1,085 | 1,129 | 1,224 | 1,506 | 1,751 | 1,831 | |
| 13 | Current (Performing) loans (In million Taka) | 72,387 | 76,742 | 81,291 | 84,379 | 93,281 | 116,279 | 143,002 | 151,784 |
| Current (Performing) loans (In million USD) | 909 | 953 | 1,046 | 1,089 | 1,184 | 1,481 | 1,732 | 1,809 | |
| 14 | Overdue loans (In milion Taka) | 1,019 | 1,624 | 1,496 | 1,550 | 1,875 | 651 | 472 | 762 |
| Overdue loans (In milion USD) | 12.79 | 20.17 | 19.24 | 20.00 | 23.80 | 8.29 | 5.72 | 9.08 | |
| 15 | Portfolio growth rate | 13.48% | 6.67% | 5.06% | 3.69% | 10.21% | 22.63% | 22.21% | 6.29% |
| Sustainability/Profitability ratios : | |||||||||
| 16 | Return on equity (ROE) | 8.97% | 17.10% | 13.65% | 4.15% | 0.22% | 11.82% | 17.09% | 21.97% |
| 17 | Operating self sufficiency (OSS) | 103.31% | 106.17% | 105.15% | 101.53% | 100.08% | 104.53% | 106.92% | 109.67% |
| 18 | Financial self sufficiency (FSS) | 95.79% | 99.62% | 99.59% | 96.51% | 95.80% | 101.23% | 103.42% | 106.08% |
| Asset / Liability management ratios : | |||||||||
| 19 | Yield on gross portfolio (nominal) | 19.80% | 19.98% | 19.82% | 19.70% | 19.47% | 19.95% | 19.94% | 19.98% |
| 20 | Cost of funds ratio | 9.07% | 9.17% | 9.28% | 9.01% | 8.56% | 7.52% | 7.50% | 7.66% |
| Portfolio Quality: | |||||||||
| 21 | Portfolio at risk ratio (PAR) | 3.86% | 4.45% | 3.66% | 3.56% | 3.26% | 1.66% | 1.04% | 1.18% |
| Efficiency and productivity ratios : | |||||||||
| 22 | Productivity per loan officer | 553 | 553 | 553 | 578 | 594 | 626 | 640 | 641 |
| 23 | Operating expense ratio | 10.06% | 9.51% | 9.88% | 10.25% | 11.00% | 12.63% | 10.98% | 10.21% |
| 24 | Personnel expense / Loan portfolio | 7.07% | 6.65% | 6.82% | 7.15% | 8.23% | 10.27% | 8.88% | 7.93% |
| 25 | Cost per borrower (In Taka) | 1,080 | 1,113 | 1,210 | 1,279 | 1,423 | 1,874 | 1,988 | 2,122 |
| Cost per borrower (In USD) | 13.56 | 13.82 | 15.56 | 16.50 | 18.06 | 23.86 | 24.08 | 25.29 | |
| 26 | Portfolio per loan officer (in million Taka) | 6.01 | 6.29 | 6.58 | 6.84 | 7.57 | 9.63 | 12.12 | 13.08 |
| Portfolio per loan officer (in million USD) | 0.075 | 0.078 | 0.085 | 0.088 | 0.096 | 0.123 | 0.147 | 0.156 | |
| Financing structure : | |||||||||
| 27 | Capital adequacy ratio | 8.79% | 8.94% | 9.01% | 10.65% | 8.96% | 8.99% | 8.92% | 9.43% |
