 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
|
| OPERATIONAL INDICATORS |
|
31/12/1999 |
31/12/2000 |
31/12/2001 |
|
| CLIENTS |
| Number of Active Clients |
809 |
2.415 |
3.607 |
 |
| Percentage of Women Clients |
100.00% |
100.00% |
100.00% |
|
LOANS |
| Number of Active Loans |
809 |
2.415 |
3.607 |
|
| Number of Loan Products |
1 |
1 |
1 |
|
INFRASTRUCTURE |
| Number of Branch Offices |
0 |
0 |
2 |
|
| Number of Cities Where We Work |
|
|
|
|
| Number of Staff |
14 |
26 |
34 |
|
| Number of Loan Officers |
7 |
20 |
19 |
|
DEPTH OF OUTREACH |
| Average Amount of Loan Extended Per Client in KM |
1.357,00 |
1.437,00 |
1.767,00 |
|
| Average Amount of Outstanding Loans Per Client in KM |
870,00 |
914,00 |
1.043,00 |
|
| Average Portfolio Amount / GDP Per Capita |
28.05% |
25.16% |
29.65% |
|
| FINANSCIAL INDICATORS IN KM |
|
31/12/1999 |
31/12/2000 |
31/12/2001 |
|
| STRUCTURE OF FINANCIAL FUNDS |
| Total Assets |
1.210.099 |
3.428.396 |
5.633.586 |
|
| LoansOutstanding (gross) - portfolio |
705.932 |
2.206.530 |
3.760.535 |
|
| Total Value of Equity |
1.210.099 |
3.428.396 |
3.155.349 |
|
CREDIT PORTFOLIO QUALITY |
| Portfolio at Risk > 30 days |
0.57% |
0.07% |
0.25% |
|
| Portfolio at Risk > 1 days |
0.74% |
0.43% |
0.55% |
|
| Provisions for Loan Losses |
0.07% |
0.02% |
0.47% |
|
| Loan Write-off Rate |
0.00% |
0.00% |
0.11% |
|
PROFITABILITY |
| Return on Assets |
-11.97% |
-2.53% |
5.25% |
|
| Return on Equity |
-11.97% |
-2.53% |
7.17% |
|
| Operational Self-sustainability |
44.95% |
88.95% |
127.50% |
|
| Financial Self-sustainability |
33% |
65% |
102% |
|
| Yield on Portfolio |
25.20% |
36.12% |
38.40% |
|
| Coefficient of Net Financial Revenue |
9.78% |
20.34% |
24.34% |
|
EFFICIENCY AND PRODUCTIVITY |
| Productivity of Staff |
58 |
93 |
106 |
|
| Productivity of Loan Officers |
115 |
114 |
175 |
|
| Operational Efficiency |
34.98% |
36.50% |
28.33% |
|
| Portfolio by Loan Officer |
100.569,00 |
110.327,00 |
197.293,00 |
|
| Number of Loan Officers/Total Staff |
54% |
69% |
53% |
|
FINANCIAL LEVERAGE |
| Equity Multiplicator |
1 |
1 |
1.79 |
|
| Debt/Equity |
0% |
0% |
|
|
|
|
|
 |
 |
 |
 |
 |
 |
| |
|
|
|
| |
MKO
Mikra - Marka Marulića 2/VI, Sarajevo
Tel: 033/61 61 62, 71 71 40, Fax: 033/71 71 41 |
|
|
 |
 |
 |
 |
 |
 |
 |
 |
 |
| |
 |
| "As the war in BiH came to end, all members of Kulina family found themselves unemployed, and with obligation to provide all necessary means for life to their two underage children and old parents..." |
|
|
 |
 |
 |
|
|
