Microfinance of Bangladesh Data

Data provided by MIX via mixmarket.
org
Legal status
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Credit Union / Cooperative
NBFI
NGO
NGO
NGO
NGO
NGO
NGO
NGO
NGO
NGO
NGO
NGO
NGO
NGO
NGO
Other
Other
Other
Other
Fiscal Year Gross Loan Portfolio (Median)

2002
213440180.7
2003
268030808.8
2004
337701325.5
2005
424472500.8
2006
482086331.4
2007
532024502.4
2008
642257512.5
2009
817389833.1
2010
939129906.3
2011
920685919.1
2012
1007989551
2006
483936.79
2007
697920.98
2008
868376.69
2009
991666.26
2010
1042470.44
2011
982910.98
2012
1099687.42
1999
2181622.68
1999
56383186.71
2000
5321124.72
2001
2035167.65
2002
970091.51
2003
1276580.83
2004
1296014.42
2005
1745250.88
2006
5036618.725
2007
7938023.53
2008
9742045.57
2009
11370987.24
2010
14792770.85
2011
13781851.39
2012
17657987.51
2002
13382.4
2003
16608.54
2004
25167.79
2005
18121.41
Financial expense / assets (Median)

0.0644
0.0727
0.0628
0.0706
0.0747
0.0774
0.0813
0.0855
0.083
0.006
0.0043
0.0653
0.0322
0.0118
0.0128
0.0792
0.0302
0.0331
0.02925
0.0363
0.0328
0.0314
0.0321
0.0325
0.03625
0.0351
0.0387
0.03915
0.0415
0.0241
0.1816
0.1935
0.1058
Number of active borrowers (Median)

2080000
2870000
3700000
5050000
5960000
6160000
6210000
6430000
6610000
6580000
6710000
11379
12312
12578
13533
15666
13418
16017
237
981056
99307
38348.5
14371
19642.5
25527
26656
62018
107591
100747
93995
100217
96632
145013
40
30
30
20
Borrowers per staff member (Median)

Assets (Median) Equity (Median) Personnel (Median)
177.793
315707326.9
34124171.96
11699
242.2759
394039511.7
77847732.93
11846
283.7859
514719580.5
79097030.2
13038
312.8485
633023844.8
71189716.1
16142
285.3723
819799478.2
88580707.35
20885
243.642
941270137.6
85884083.13
25283
256.1881
1117815461
145044280
24240
276.1672
1411363085
97802508.6
23283
297.0119
1713365603
104217693.7
22255
297.3608
1647022564
96261258.46
22128
301.424
1900430694
114710929.1
22261
67.3314
635184.38
111875.04
169
72.8521
858692.09
204608.5
169
71.4659
1014282.87
259410.5
176
76.892
1301588.79
299737.76
176
83.3298
1377198.38
325035.77
188
109.9836
1340686.65
316332.51
122
158.5842
1460754.51
335658.71
101
3
4297891.77
4288704.05
79
153.40905
65689149.56
28411065.49
2324
95.6716
8751624.59
2937277.305
613
124.5088
1589187.24
529159.66
338
119.6364
1193054.195
258755.185
169
118.93735
1563743.995
298011.33
183
130.14395
1537745.525
245895.36
168
132.585
2495753.41
296497.35
212
140.67995
6000965.03
841259.59
458
132.444
9593839.93
1253018.72
709.5
142.79185
14197032.82
1688620.93
958
122.8012
13918247
1469816.37
679
137.0958
16847984.87
2163413.75
731
128.77695
18909474.21
2671229.31
707
132.3053
33738387.99
5269099.725
974
2
41820.01
5018.4
20
1.2
49825.61
8304.27
25
1.2
72147.65
8389.26
25
0.5714
75505.89
9060.71
35
Operating expense / assets (Median)

0.0712
0.0619
0.0835
0.0697
0.0733
0.062
0.0647
0.0643
0.0617
0.1457
0.1359
0.0657
0.5398
0.102
0.1011
0.0272
0.1309
0.1448
0.15495
0.1306
0.1192
0.1248
0.1191
0.125
0.1365
0.13935
0.1125
0.1151
0.1151
0.1188
2.9059
2.6264
1.9036
Age (Median)
Borrowings (Median)
48587567.11
28954877.68
26892796.06
26255877.96
25035698.22
24208275.56
22491544.26
18671676.07
18384936.46
316410.97
387150.44
498938.07
615844.03
627000.09
597020.87
628042.92
24368311.88
27192780.42
9505544.16
3681385.89
5161461.56
5082191.255
7970587.38
6875130.185
7171257.425
8901849.71
15706945
Data provided by MIX via mixmarket.org

Legal status
Bank
Bank
Bank
Bank
Bank
Bank
Bank
NBFI
NBFI
NBFI
NBFI
NBFI
NBFI
NBFI
NBFI
NBFI
NBFI
NBFI
NBFI
NBFI
NBFI
NGO
NGO
NGO
NGO
NGO
NGO
NGO
NGO
NGO
Fiscal Year Assets (Median) Gross Loan Portfolio (Median)

1999
38358.63
32315.61
2000
57015.52
50270.68
2005
20598218.94
6135073.96
2006
21229453.13
6950539.11
2007
25104035.54
8083412.2
2008
24875925.42
8650543.43
2009
31682719.03
10373390.93
1999
509989.89
292949.35
2000
501385.66
418978.12
2001
401977.83
271093.68
2002
2583517.92
1668096.47
2003
2515542.415
1551514.89
2004
1328541.28
817537.3
2005
1450738.74
1281807.82
2006
2555261.76
1474104.68
2007
5519282.955
3958406.65
2008
4340924.655
3026775.915
2009
5411563.455
2464221.47
2010
4407245.74
2731206.73
2011
3758808.77
2919563.475
2012
1085185.85
936483.07
1999
618500.02
338590.17
2000
776908.25
418002.015
2001
1549176.03
1070930.5
2002
3430932.07
2465079.22
2003
2640563.44
1783572.78
2004
1879000.05
1449148.18
2005
4933058.955
3464609.865
2006
7338622.85
4800937.21
2007
9159770.425
7744681.82
2008
8209078.67
6693998.29
2009
14799444.7
13226595.56
2010
21186732.27
17893840.05
2011
20123157.81
19176635.31
2012
31187084.89
28013839.68
1999
123820.35
109717.75
2000
503980.41
403840.1
2001
948416.65
866953.94
2002
1077432.935
937901.93
2003
419550.17
311672.755
2004
374407.96
314897.42
2005
716042.2
499636.24
2006
1386707.56
902836.22
2007
4479621.54
3316527.71
NGO
NGO
NGO
NGO
NGO
Other
Other
Other
Rural Bank
Rural Bank
Rural Bank
Rural Bank
Rural Bank
Rural Bank
Rural Bank
Rural Bank
Rural Bank
2008
2009
2010
2011
2012
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
3920386.19
4950341.65
5172304.505
4394886.365
7146791.57
36419878.78
31213374.07
31990386.9
2294874.74
3948921.59
6493918.6
11130879.03
20091872.8
19535791.78
26825297.42
31331156.8
26484774.98
3471123.845
4118753.86
4526656.06
3408073.58
5058930.33
11642036.91
10601520.58
12974181.13
1345414.09
2753061.81
4186943.16
6661946.57
12494852.38
12535290.94
17369745.67
19892395.05
16450078.18
Financial expense / assets (Median)
0.0405
0.0437
0.0411
0.0435
0.0732
0.0713
0.0401
0.0778
0.0589
0.0549
0.0625
0.0944
0.08755
0.09045
0.08205
0.0822
0.0501
0.0635
0.06895
0.0769
0.0852
0.0637
0.06015
0.0599
0.07485
0.0905
0.0821
0.1001
0.0862
0.0836
0.0355
0.087
0.0898
0.0799
0.07835
0.056
0.0698
0.087
Number of active borrowers (Median)

315
525
17677
21208
21826
21549
20993
3475
3866
2331
117038
7866
11134
15449.5
22326
16749
14640
17971.5
13873.5
10556.5
9659
8330
7666.5
19741
34095
24799
13529
28890.5
35210
47717
76264
112022.5
132328
147372
169254
1824
2846
1800
3586
5973
5748.5
7880.5
9064.5
35935.5
0.0889
0.0881
0.0947
0.0884
0.09435
0.0404
0.0371
0.0435
0.0334
0.0593
0.0545
0.0692
0.0806
0.0834
0.0718
0.0742
33357
30517
35693
18627
39147.5
30293
32171
29969
5765
14317
22814
32498
45207
55148
61467
67032
59152
Borrowers per staff member (Median)
87.5099
97.7327
97.0044
151.7535
149.95
231.6667
168.087
101.3478
1182.202
424.8
340.1579
228.5319
166.4762
182.7193
194.52395
254.68285
202.0598
196.48605
311.5806
102.8395
100.3318
125.0479
145.7881
196.9343
168.8127
178.0522
208.2952
212.235
245.0525
213.57345
220.56905
254.11745
313.0769
124.9127
116.40145
186.64775
129.9139
124.3333
155.8197
186.1644
225.2935
Equity (Median)
3941553.38
4004973.23
4701774.94
4085192.45
5452790.82
90376.16
102777.48
99915.5
782072.74
504959.63
452710.95
152147.49
144696.93
452978.67
1103064.455
1136758.45
1146690.52
548385.32
235134.14
95428.05
94935.18
277728.37
286304.28
156055.8
260231.79
569902.295
922575.43
1546887.625
1823248.76
3560998.69
5534328.93
5297373.76
6872979.18
28198.395
13908.77
34608.225
24913.49
25154.36
33084.075
40829.72
360760.07
Personnel (Median)
202
217
225
142
140
15
23
23
99
40
56
92
152
104.5
78
85.5
67
57.5
31
79
73.5
130.5
110
121
110
102
171
287
298.5
338
513
555.5
626.5
5
64
66.5
61.5
33
34
55
68.5
87
233.5574
217.2195
231.8298
200.16675
269.38955
186.9938
114.27025
173.2312
174.697
227.254
240.1474
136.5462
154.8185
180.8131
186.2636
189.8924
167.5694
324789.11
578322.415
689818.465
649752.805
1099903.205
6485404.89
6505053.53
7816162.09
1224184.36
1235812.81
1251635.05
1350599.31
2329032.7
2134007.77
2865399.93
3437277.82
3232104.38
108
104
92
61.5
107
162
307
173
33
63
95
238
292
305
330
353
353
Borrowings (Median)
0.397
0.2134
0.0379
0.0491
0.0747
0.0525
0.0289
0.0523
0.0732
0.0476
0.0533
0.0561
0.0591
0.0527
0.057
0.06305
0.07495
0.11
0.1802
0.1288
0.1943
0.1591
0.1537
0.1347
0.111
0.0953
0.0935
0.1124
0.1032
0.1192
0.1173
0.0934
0.6664
0.5666
0.11595
0.0711
0.0858
0.09285
0.0746
0.0706
0.07275
706754.975
1483427.265
2791113.56
2807685.68
1489746.845
1114144.455
1229752.25
549872.22
850051.71
2271933.925
3656790.02
1521838.55
3342693.375
6065302.52
8676476.55
5838851.55
10420077.14
15957251.86
13227186.61
19440406.34
3163309.48
474557.97
1836311.07
2367831.145
4136221.39
0.072
0.0871
0.0908
0.0968
0.10465
0.0451
0.0494
0.0551
3099013.42
3232748.7
3604412.26
3289688.215
4030971.62
0.1284
0.118
0.1054
0.0941
0.0874
0.0888
0.0886
0.0907
914703.86
2356790.68
3417017
6750686.85
6197801.81
6697075.21
5968468.67
2838656.26
Data provided by MIX via mixmarket.org

Legal status
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Fiscal Year
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
Bank
BD
India
Assets (Median)
Assets (Median)
315,707,326.87
383,586,300.00
394,039,511.71
570,155,200.00
514,719,580.54
20,598,218.94
633,023,844.76
21,229,453.13
819,799,478.19
25,104,035.54
941,270,137.60
24,875,925.42
1,117,815,460.78
31,682,719.03
1,411,363,085.40
32,682,719.03
1,713,365,603.31
33,682,719.03
1,647,022,563.63
34,682,719.03
1,900,430,693.88
35,682,719.03

2006
2007
2008
2009
2010
2011
2012
635184.38
858692.09
1014282.87
1301588.79
1377198.38
1340686.65
1460754.51
NBFI
1999
4297891.77
NGO
NGO
NGO
2000
2001
2002
8751624.59
1589187.24
1193054.195
509989.89
501385.66
401977.83
2583517.92
2515542.415
1328541.28
1450738.74
2555261.76
5519282.955
4340924.655
5411563.455
4407245.74
3758808.77
1085185.85
618500.02
776908.25
1549176.03
3430932.07
2640563.44
1879000.05
4933058.955
7338622.85
9159770.425
8209078.67
14799444.7
21186732.27
20123157.81
31187084.89
123820.35
503980.41
948416.65
1077432.935
2,000,000,000.
1,800,000,000.
1,600,000,000.
1,400,000,000.
1,200,000,000.
1,000,000,000.
NGO
NGO
NGO
NGO
NGO
NGO
NGO
NGO
NGO
NGO
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
1563743.995
1537745.525
2495753.41
6000965.03
9593839.93
14197032.82
13918247
16847984.87
18909474.21
33738387.99
419550.17
374407.96
716042.2
1386707.56
4479621.54
3920386.19
4950341.65
5172304.505
4394886.365
7146791.57
Other
Other
Other
Other
2002
2003
2004
2005
41820.01
49825.61
72147.65
75505.89
36419878.78
31213374.07
31990386.9
2294874.74
3948921.59
6493918.6
11130879.03
20091872.8
19535791.78
26825297.42
31331156.8
26484774.98
2,000,000,000.00
1,800,000,000.00
1,600,000,000.00
1,400,000,000.00
1,200,000,000.00
Bangladesh
1,000,000,000.00
India
800,000,000.00
600,000,000.00
400,000,000.00
200,000,000.00
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
Bangladesh
India
Bank
Fiscal Year
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2006
2007
2008
2009
2010
2011
2012
NGO
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
Other
2002
2003
2004
2005
Gross Loan Portfolio

268030808.8
337701325.5
424472500.8
482086331.4
532024502.4
642257512.5
817389833.1
939129906.3
920685919.1
1007989551
483936.79
697920.98
868376.69
991666.26
1042470.44
982910.98
1099687.42
Financial expense / assets

0.0644
0.0727
0.0628
0.0706
0.0747
0.0774
0.0813
0.0855
0.083
0.0033
0.006
0.0043
0.0653
0.0322
0.0118
0.0128
1276580.83
1296014.42
1745250.88
5036618.725
7938023.53
9742045.57
11370987.24
14792770.85
13781851.39
17657987.51
0.0328
0.0314
0.0321
0.0325
0.03625
0.0351
0.0387
0.03915
0.0415
0.0241
13382.4
16608.54
25167.79
18121.41
0.1816
0.1935
0.1058
Number of active borrowers
Borrowers per staff member

2870000
3700000
5050000
5960000
6160000
6210000
6430000
6610000
6580000
6710000
242.2759
283.7859
312.8485
285.3723
243.642
256.1881
276.1672
297.0119
297.3608
301.424
Assets
394039511.7
514719580.5
633023844.8
819799478.2
941270137.6
1117815461
1411363085
1713365603
1647022564
1900430694
11379
12312
12578
13533
15666
13418
16017
67.3314
72.8521
71.4659
76.892
83.3298
109.9836
158.5842
635184.38
858692.09
1014282.87
1301588.79
1377198.38
1340686.65
1460754.51
19642.5
25527
26656
62018
107591
100747
93995
100217
96632
145013
118.93735
130.14395
132.585
140.67995
132.444
142.79185
122.8012
137.0958
128.77695
132.3053
1563743.995
1537745.525
2495753.41
6000965.03
9593839.93
14197032.82
13918247
16847984.87
18909474.21
33738387.99
40
30
30
20
2
1.2
1.2
0.5714
41820.01
49825.61
72147.65
75505.89
Equity
Personnel
77847732.93
79097030.2
71189716.1
88580707.35
85884083.13
145044280
97802508.6
104217693.7
96261258.46
114710929.1
11846
13038
16142
20885
25283
24240
23283
22255
22128
22261

Borrowings
0.0712 47,387,567.11
0.0619 48,587,567.11
0.0835 28,954,877.68
0.0697
26892796.06
0.0733
26255877.96
0.062
25035698.22
0.0647
24208275.56
22491544.26
0.0643
18671676.07
0.0617
18384936.46
111875.04
204608.5
259410.5
299737.76
325035.77
316332.51
335658.71
169
169
176
176
188
122
101
0.1138
0.1457
0.1359
0.0657
0.5398
0.102
0.1011
316410.97
387150.44
498938.07
615844.03
627000.09
597020.87
628042.92
298011.33
245895.36
296497.35
841259.59
1253018.72
1688620.93
1469816.37
2163413.75
2671229.31
5269099.725
183
168
212
458
709.5
958
679
731
707
974
0.1192
0.1248
0.1191
0.125
0.1365
0.13935
0.1125
0.1151
0.1151
0.1188
27192780.42
9505544.16
3681385.89
5161461.56
5082191.255
7970587.38
6875130.185
7171257.425
8901849.71
15706945
5018.4
8304.27
8389.26
9060.71
20
25
25
35
2.9059
2.6264
1.9036
Return on equity
Return on assets Portfolio at risk > 30 days
Financial revenue / assets
0.049
0.0077
0.0698
0.1525
0.0107
0.0019
0.0798
0.1547
0.184
0.0241
0.0778
0.1749
0.2237
0.0246
0.0702
0.18
0.0107
0.0011
0.1714
0.1478
0.0166
0.0621
0.161
0.0445
0.0043
0.0657
0.1629
0.0695
0.0682
0.0041
0.0876
0.1665
0.1451
0.0086
0.1066
0.1695
-0.0573
0.0596
0.0072
-0.1228
0.0176
0.001
-0.0121
0.0148
0.0017
-0.0286
0.0041
0.0002
0.0443
0.0319
0.0313
0.0413
0.0645
0.0919
0.0449
0.1585
0.1552
0.1354
0.5617
0.1237
0.1196
0.21335
0.1746
0.1743
0.204
-0.0199
0.0348
0.1449
0.21775
0.20185
0.03185
0.0357
0.0376
0.02675
0.0361
-0.00295
0.0059
0.0211
0.0298
0.04035
0.00935
0.0156
0.01875
0.01155
0.0215
0.0515
0.0516
0.0545
0.0459
0.0509
0.07785
0.20775
0.2102
0.18775
0.2068
0.1937
0.197
0.1878
0.19665
0.211
0.1971
-1.4242
-0.606
0.8054
-0.207
-0.0829
0.0952
0.0875
0.08
0.0533
0.0833
2.9059
2.7646
2.1151
Write-off ratio Administrative expense / assets

Capital /asset ratio
0.0538
0.1976
0.0417
0.1537
0.0436
0.0338
0.1125
0.0208
0.0249
0.1081
0.0272
0.0912
0.0201
0.1298
0.0206
0.0693
0.0608
0.0241
0.0584
0.0259
0.0604
0.0001
0.0049
0.111
0.4036
0.1443
0.0904
0.0785
0.0144
0.2546
0.0638
0.0715
0.1761
0.2383
0.2558
0.2303
0.236
0.2359
0.2298
0.04505
0.03975
0.03675
0.0357
0.0358
0.03575
0.0279
0.02745
0.0273
0.03235
0.20355
0.1764
0.1525
0.1283
0.1496
0.1233
0.129
0.15485
0.1646
0.23475
Bank
Fiscal Year
1999
2000
2005
2006
2007
2008
2009
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
NBFI
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
NGO
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
Rural Bank
2003
2004
2005
Assets
38358.63
32315.61
57015.52
50270.68
20598219
6135073.96
21229453
6950539.11
25104036
8083412.2
24875925
8650543.43
31682719
10373390.93
0.0405
0.0437
0.0411
0.0435
2515542.4
1328541.3
1450738.7
2555261.8
5519283
4340924.7
5411563.5
4407245.7
3758808.8
1085185.9
1551514.89
817537.3
1281807.82
1474104.68
3958406.65
3026775.915
2464221.47
2731206.73
2919563.475
936483.07
0.0778
0.0589
0.0549
0.0625
0.0944
0.08755
0.09045
0.08205
0.0822
2640563.4
1879000.1
4933059
7338622.9
9159770.4
8209078.7
14799445
21186732
20123158
31187085
1783572.78
1449148.18
3464609.865
4800937.21
7744681.82
6693998.29
13226595.56
17893840.05
19176635.31
28013839.68
0.0852
0.0637
0.06015
0.0599
0.07485
0.0905
0.0821
0.1001
0.0862
0.0836
419550.17
374407.96
716042.2
1386707.6
4479621.5
3920386.2
4950341.7
5172304.5
4394886.4
7146791.6
311672.755
314897.42
499636.24
902836.22
3316527.71
3471123.845
4118753.86
4526656.06
3408073.58
5058930.33
0.0799
0.07835
0.056
0.0698
0.087
0.0889
0.0881
0.0947
0.0884
0.09435
2294874.7
3948921.6
6493918.6
1345414.09
2753061.81
4186943.16
0.0245
0.0334
0.0593
2006
2007
2008
2009
2010
2011
11130879
20091873
19535792
26825297
31331157
26484775
6661946.57
12494852.38
12535290.94
17369745.67
19892395.05
16450078.18
0.0545
0.0692
0.0806
0.0834
0.0718
0.0742
2010
2011
2012
36419879
31213374
31990387
11642036.91
10601520.58
12974181.13
0.0404
0.0371
0.0435
Other

315
525
17677
21208
21826
21549
20993
87.5099
97.7327
97.0044
151.7535
149.95
7866
11134
15449.5
22326
16749
14640
17971.5
13873.5
10556.5
9659
424.8
340.1579
228.5319
166.4762
182.7193
194.52395
254.68285
202.0598
196.48605
311.5806
24799
13529
28890.5
35210
47717
76264
112022.5
132328
147372
169254
196.9343
168.8127
178.0522
208.2952
212.235
245.0525
213.57345
220.56905
254.11745
313.0769
5973
5748.5
7880.5
9064.5
35935.5
33357
30517
35693
18627
39147.5
129.9139
124.3333
155.8197
186.1644
225.2935
233.5574
217.2195
231.8298
200.16675
269.38955
5765
14317
22814
174.697
227.254
240.1474
32498
45207
55148
61467
67032
59152
136.5462
154.8185
180.8131
186.2636
189.8924
167.5694
30293
32171
29969
186.9938
114.27025
173.2312
Equity
Personnel
Operating expense / assets

0.397
0.2134
3941553.38
4004973.23
4701774.94
4085192.45
5452790.82
202
217
225
142
140
0.0379
0.0491
0.0747
0.0525
504959.63
452710.95
152147.49
144696.93
452978.67
1103064.455
1136758.45
1146690.52
548385.32
235134.14
40
56
92
152
104.5
78
85.5
67
57.5
31
0.0476
0.0533
0.0561
0.0591
0.0527
0.057
0.06305
0.07495
0.11
156055.8
260231.79
569902.295
922575.43
1546887.625
1823248.76
3560998.69
5534328.93
5297373.76
6872979.18
121
110
102
171
287
298.5
338
513
555.5
626.5
0.1537
0.1347
0.111
0.0953
0.0935
0.1124
0.1032
0.1192
0.1173
0.0934
24913.49
25154.36
33084.075
40829.72
360760.07
324789.11
578322.415
689818.465
649752.805
1099903.205
33
34
55
68.5
87
108
104
92
61.5
107
0.0858
0.09285
0.0746
0.0706
0.07275
0.072
0.0871
0.0908
0.0968
0.10465
1224184.36
1235812.81
1251635.05
33
63
95
0.1056
0.1284
0.118
1350599.31
2329032.7
2134007.77
2865399.93
3437277.82
3232104.38
238
292
305
330
353
353
0.1054
0.0941
0.0874
0.0888
0.0886
0.0907
6485404.89
6505053.53
7816162.09
162
307
173
0.0451
0.0494
0.0551
Borrowings
Return on equity
Return on assets
-0.0006
-0.1086
0.0231
0.03
0.0256
0.0306
0.0044
0.0056
0.0045
0.0052
706754.975
1483427.265
2791113.56
2807685.68
1489746.845
1114144.455
1229752.25
549872.22
850051.71
0.19055
0.1646
0.0528
0.2563
0.1474
0.0304
0.02575
0.0976
0.1987
0.0173
0.0072
0.00165
0.0376
0.0189
0.0043
0.00245
0.01575
0.0347
3656790.02
1521838.55
3342693.375
6065302.52
8676476.55
5838851.55
10420077.14
15957251.86
13227186.61
19440406.34
0.0146
0.107
0.2952
0.1478
0.1134
0.1183
0.0909
0.0595
0.0237
0.034
-0.0017
0.0031
0.01635
0.0118
0.0129
0.0307
0.0182
0.013
0.0067
0.00965
3163309.48
474557.97
1836311.07
2367831.145
4136221.39
3099013.42
3232748.7
3604412.26
3289688.215
4030971.62
0.01
0.0431
0.0227
0.2802
0.3599
0.2996
0.2372
0.2142
0.1822
0.13025
-0.0542
-0.00255
0.005
0.0131
0.0189
0.0236
0.0246
0.0228
0.0173
0.02285
864703.86
914703.86
2356790.68
0.0176
0.0328
0.0069
0.0078
3417017
6750686.85
6197801.81
6697075.21
5968468.67
2838656.26
0.0515
0.0627
0.0884
0.1041
0.1214
0.0761
0.0076
0.0074
0.01
0.0112
0.0133
0.0089
0.07615
0.0618
0.0577
0.01205
0.00885
0.0095
Portfolio at risk > 30 days
Write-off ratio
0.3965
0.1049
0.0066
0.0083
0.0952
0.2212
0.1749
0.0866
0.1022
0.1255
0.1091
0.05515
0.03745
0.0477
0.0302
0.009
0.0001
0.004
0.2483
0.06725
0.0066
0.1695
0.1476
0.14835
0.174
0.1558
0.1387
0.15335
0.14355
0.2237
0.0006
0.007
0.00915
0.01675
0.0055
0.0034
0.0046
0.01325
0.01245
0.00535
0.2436
0.206
0.21135
0.1856
0.20915
0.2512
0.217
0.2558
0.2199
0.2075
0.0002
0.0004
0.00095
0.003
0.0026
0.0015
0.0217
0.0007
0.00025
0.0021
0.00405
0.0051
0.00495
0.0091
0.0032
0.1618
0.1665
0.1394
0.16
0.1821
0.1943
0.2137
0.2391
0.226
0.2092
0.0008
0.1085
0.0708
0.0901
0.1744
0.1971
0.0082
0.0684
0.059
0.0001
0.0493
0.0413
0.062
0.1769
0.1804
0.1839
0.1947
0.1921
0.1889
0.1283
0.0065
0.2171
0.1962
0.158
0.112
0.0063
0.0018
0.0089
0.0102
Administrative expense / assets
0.0529
0.0315
0.1914
0.1887
0.1873
0.1642
0.1721
0.0223
0.016
0.0196
0.0151
0.0148
0.022
0.0257
0.0427
0.1205
0.1362
0.0696
0.0532
0.1307
0.13985
0.1206
0.1389
0.1442
0.2167
0.0607
0.0672
0.0488
0.0472
0.0393
0.043
0.0462
0.0479
0.0428
0.0321
0.0996
0.1321
0.0803
0.12175
0.1552
0.2569
0.23895
0.26635
0.323
0.2467
0.0768
0.02445
0.0232
0.0342
0.0225
0.0368
0.0389
0.0347
0.0358
0.06325
0.06025
0.0458
0.04255
0.07095
0.08295
0.1035
0.1165
0.1352
0.13445
0.0698
0.5334
0.3129
0.1927
0.0556
0.0422
0.0405
0.0444
0.0447
0.039
0.1213
0.1159
0.1092
0.1068
0.1097
0.122
0.0376
0.0255
0.0236
0.1838
0.19775
0.2443
Bank
Bangladesh
CUCs
NGO
Other
All
Stylized Facts 2003-2006 (A)

Assets (% of increase)
Lending (% of increase)
Borrowing (% of increase)
PAR
Write-off ratio
ROE
0.269819 0.213979 0.580387 0.17443 0.309654

0.227094 0.384984 0.640923 0.146804 0.349951
(0.10) 0.041004
-0.1863 0.305652 0.014066
0.0744
0.0443 0.01685 0.075825 0.052844
0.039975
0.0342 0.01195 0.223975 0.077525
0.11685
0.0323 0.191563
-0.1222 0.054628
Stylized Facts 2007-2009 (B)

PAR
Write-off ratio
ROE
0.199447
0.194488
-0.0344
0.070417
0.080133
0.067667
Difference (B-A)
PAR
Write-off ratio
ROE
-0.07037 0.058132 -0.22742 -0.21963 -0.11482

-0.03261 -0.10886 -0.31741 -0.23122 -0.17252
0.07
0.20787 0.324814 -0.39617 0.051551
-0.00398 -0.00947 0.035683 0.020308 0.010635
0.040158 0.020907 0.010963 0.130658 0.050672
-0.04918 -0.02913
-0.1383
0.5042 0.071897
Stylized Facts 2010-2012 C

PAR
Write-off ratio
ROE
0.109706
0.074708
-0.08537
0.0879
0.058667
0.087333
Difference (B-C)
PAR
Write-off ratio
ROE
0.089741 0.231733 -0.01939 -0.05929 0.060697

0.119781 0.238493 0.152233 -0.20323 0.07682
0.050967 0.241453
-0.2111
-0.0908 -0.00237
-0.01748 -0.03227 -0.00568 0.011023
-0.0111
0.021467 -0.00554 -0.00279 0.039533 0.013169
-0.01967
0.0379 -0.09722 0.110833 0.007962
0.272111
0.276128
0.248874
0.034833
0.055107
0.003167
0.040379
0.037635
0.007421
0.0671
0.060643
-0.03473
0.352962
-0.0452 0.19483
0.323511 -0.08441 0.177428
0.138514 -0.09052 0.065617
0.052533 0.096133 0.063479
0.022913 0.354633 0.128197
0.053267
0.382 0.126525
0.372353
0.171278
0.349618
0.058217
0.0257
0.150483
0.014095
0.118815
0.000285
0.08511
0.3151
0.271167
0.134133
0.100609
0.067989
0.074582
0.115028
0.118563
Bank
PAR
Write-off ratio
ROE
PAR
Write-off ratio
ROE
Difference (B-A)
PAR
Write-off ratio
ROE
PAR
Write-off ratio
ROE
Difference (B-C)
PAR
Write-off ratio
ROE
4.04
4.31
10.07196
0.005905
CUCs
India
NBFI
0.088788
0.043737
0.618335
0.042625
0.398558
0.328133
0.509174
0.008375
0.006839
0.01895 0.160013 0.14115
NGO
0.282724
0.184076
0.745788
0.005833
0
0.089
0.15 0.397703 0.315728 0.789426

0.14
0.42136 0.484461 0.968882
0.222901 -0.23853 0.296024 0.179744
0.163767 0.004367
0.0045 0.00375
0.000517
0
0.028733
0.1447 0.107533
0.2989
(3.89)
(4.16)
(9.85)
0.16
0.01
0.31
0.38
(0.86)
(0.04)
(0.02)
(0.08)
0.16
(0.21)
(0.00)
(0.01)
(0.03)
0.51
0.78
(0.57)
(0.002)
0.21
(0.08)
-0.348
(0.04) -0.16731
-0.11163 0.032271
0.237467 0.107383
0.034533
0.22
0.18
0.33
(0.07)
(0.01)
0.3104 0.173565
0.29513 0.112107
0.27668 0.084329
0.01035 0.00575
0.002367
0
0.10735 0.039067 0.17555
0.75
0.59
(0.27)
(0.10)
0.04
0.01
0.19
0.02
(0.01)
(0.00)
0.07
0.62
0.86
0.10
(0.002)
0.12
Rural Bank All

0.7695396
1.8075781
0.571953
0.08445
0.01956
0.028475
1.12
1.33
2.50
0.03
0.01
0.09
0.3835054
0.4214866
0.3247547
0.0361333
0.0040133
0.0850667
0.41
0.49
0.16
0.04
0.00
0.13
(0.39)
(1.39)
(0.25)
(0.05)
(0.02)
0.06
(0.71)
(0.85)
(2.35)
0.01
(0.00)
0.05
0.006644
-0.0139073
-0.316593
0.05165
0.00955
0.09875
0.01
0.04
(0.01)
0.08
0.00
0.09
0.38
0.44
0.64
(0.02)
(0.01)
(0.01)
0.39
0.45
0.16
(0.04)
(0.00)
0.04
Bank
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
ROE
Dummy Total assets GDP Growth Inflation
0.1451
2 1900430694
0.063
0.0622
0.0682
2 1647022564
0.067
0.1071
0.0487
2 1713365603
0.061 0.08126
0.0445
0 1411363085
0.057 0.05426
0.1478
0 1117815461
0.062
0.089
0.0107
0 941270137.6
0.064 0.09109
0.2237
1 819799478.2
0.066
0.0677
0.184
1 633023844.8
0.06
0.0704
0.0107
1 514719580.5
0.063 0.06103
0.049
1 394039511.7
0.053 0.05361
ROE
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
NGO
0.001
0.0176
-0.1228
0.0072
0.0596
-0.0573
0.0264
0.0342
0.0083
0.0035
Dummy
2
2
2
0
0
0
1
1
1
1
Total assets GDP Growth Inflation

1,460,755
0.063
0.0622
1,340,687
0.067
0.1071
1,377,198
0.061 0.08126
1,301,589
0.057 0.05426
1,014,283
0.062
0.089
858,692
0.064 0.09109
635,184
0.066
0.0677
523734
0.06
0.0704
472843
0.063 0.06103
423628
0.053 0.05361
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
ROE
0.03185
2
860467423
0.063
0.0622
0.20185
2 2011709886
0.067
0.1071
0.21775
2 2159115736
0.061 0.08126
0.1449
0 1953785723
0.057 0.05426
0.0348
0 1623151888
0.062
0.089
-0.0199
0 1482995098
0.064 0.09109
0.204
1 1114535934
0.066
0.0677
0.1743
1
941901748
0.06
0.0704
0.1746
1
828529930
0.063 0.06103
0.21335
1
590697433
0.053 0.05361
2012
2011
2010
2009
2008
2007
ROE
0.2475
2
68293.435
0.063
0.0622
0.238
2
65372.34
0.067
0.1071
0.328
2
70273.21
0.061 0.08126
0.2638
0
65839.45
0.057 0.05426
0.3192
0
67292.23
0.062
0.089
0.563
0
79023.34
0.064 0.09109
Other (Axibd)
2006
2005
2004
2003
0.736
0.8054
-0.606
-1.4242
1
1
1
1
76392.28
75505.89
72147.65
49825.61
0.066
0.06
0.063
0.053
0.0677
0.0704
0.06103
0.05361
Bank
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
ROA
Dummy Total assets GDP Growth
0.0086
2 1900430694
0.063
0.0041
2 1647022564
0.067
0.00576
2 1713365603
0.061
0.0043
0 1411363085
0.057
0.0166
0 1117815461
0.062
0.0011
0 941270138
0.064
0.0246
1 819799478
0.066
0.0241
1 633023845
0.06
0.0019
1 514719581
0.063
0.0077
1 394039512
0.053
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
ROA
0.0002
2
1,460,755
0.063
0.0041
2
1,340,687
0.067
-0.0286
2
1,377,198
0.061
0.0017
0
1,301,589
0.057
0.0148
0
1,014,283
0.062
-0.0121
0
858,692
0.064
0.00345
1
635,184
0.066
0.008576
1
523734
0.06
0.0356
1
472843
0.063
0.00785
1
423628
0.053
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
ROA
0.00935
2 860467423
0.063
0.04035
2 2011709886
0.067
0.0298
2 2159115736
0.061
0.0211
0 1953785723
0.057
0.0059
0 1623151888
0.062
-0.00295
0 1482995098
0.064
0.0361
1 1114535934
0.066
0.02675
1 941901748
0.06
0.0376
1 828529930
0.063
0.0357
1 590697433
0.053
2012
2011
2010
2009
2008
2007
ROA
0.0395
2 68293.435
0.063
0.0362
2
65372.34
0.067
0.0413
2
70273.21
0.061
0.0355
0
65839.45
0.057
0.0426
0
67292.23
0.062
0.0635
0
79023.34
0.064
Credit Union
NGO
Other (Axibd)
2006
2005
2004
2003
0.0836
0.0952
-0.0829
-0.207
1
1
1
1
76392.28
75505.89
72147.65
49825.61
0.066
0.06
0.063
0.053
Inflation
0.0622
0.1071
0.08126
0.05426
0.089
0.09109
0.0677
0.0704
0.06103
0.05361
Inflation
0.0622
0.1071
0.08126
0.05426
0.089
0.09109
0.0677
0.0704
0.06103
0.05361
Inflation
0.0622
0.1071
0.08126
0.05426
0.089
0.09109
0.0677
0.0704
0.06103
0.05361
Inflation
0.0622
0.1071
0.08126
0.05426
0.089
0.09109
0.0677
0.0704
0.06103
0.05361
Bank
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
ROE
Dummy Total assets
GDP Growth Inflation
0.0312
2 24,012,108.03
0.032
0.093
0.0295
2 22,882,719.03
0.063
0.089
0.0429
2 31,882,719.03
0.105
0.117
0.0306
0 31,682,719.03
0.085
0.109
0.0256
0 24,875,925.42
0.039
0.083
0.03
0 25,104,035.54
0.098
0.064
0.0231
1 21,229,453.13
0.093
0.053
0.0212
1 20,598,218.94
0.093
0.0425
0.018
1
1257015.52
0.078
0.0377
0.0135
1
1038358.63
0.079
0.038
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
ROE
Dummy Total assets
0.1987
2
10935925
0.032
0.093
0.0976
2
73641163
0.063
0.089
0.02575
2
73642079
0.105
0.117
0.0304
0
57523276
0.085
0.109
0.1474
0
34303878
0.039
0.083
0.2563
0
64716211
0.098
0.064
0.0528
1
20280585
0.093
0.053
0.1646
1
14548781
0.093
0.0425
0.19055
1
14518241
0.078
0.0377
0.2321
1
9675101
0.079
0.038
NBFI
ROE
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
NGO
2012
2011
2010
2009
2008
2007
2006
2005
2004
0.034
0.0237
0.0595
0.0909
0.1183
0.1134
0.1478
0.2952
0.107
0.0146
Dummy Total assets

2
4038820770
0.032
0.093
2
3900762061
0.063
0.089
2
5112769866
0.105
0.117
0
4504946926
0.085
0.109
0
2180587751
0.039
0.083
0
1296368721
0.098
0.064
1
623519004
0.093
0.053
1
413561286
0.093
0.0425
1
221447581
0.078
0.0377
1
64975622
0.079
0.038
ROE
Dummy Total assets
0.13025
2
633647370
0.032
0.093
0.1822
2
714656609
0.063
0.089
0.2142
2
588938755
0.105
0.117
0.2372
0
504165954
0.085
0.109
0.2996
0
329044765
0.039
0.083
0.3599
0
329730579
0.098
0.064
0.2802
1
257721119
0.093
0.053
0.0227
1
120089613
0.093
0.0425
0.0431
1
51277572
0.078
0.0377
2003
Rural Bank
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
0.01
14731753
0.079
0.038
ROE
Dummy Total assets
0.0926
2
31647242.4
0.032
0.093
0.0761
2
26484774.98
0.063
0.089
0.1214
2
31331156.8
0.105
0.117
0.1041
0
26825297.42
0.085
0.109
0.0884
0
19535791.78
0.039
0.083
0.0627
0
20091872.8
0.098
0.064
0.0515
1
11130879.03
0.093
0.053
0.0328
1
6493918.6
0.093
0.0425
0.0176
1
3948921.59
0.078
0.0377
0.012
1
2294874.74
0.079
0.038
Bank
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
ROA
Dummy Total assets
GDP Growth
0.00214
2 24,012,108.03
0.032
0.0053
2 22,882,719.03
0.063
0.0235
2 31,882,719.03
0.105
0.0052
0 31,682,719.03
0.085
0.0045
0 24,875,925.42
0.039
0.0056
0 25,104,035.54
0.098
0.0044
1 21,229,453.13
0.093
0.0023
1 20,598,218.94
0.093
-0.1086
1
1257015.52
0.078
-0.0006
1
1038358.63
0.079
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
ROA
Dummy Total assets
GDP Growth
0.0347
2
10935925
0.032
0.01575
2
73641163
0.063
0.00245
2
73642079
0.105
0.0043
0
57523276
0.085
0.0189
0
34303878
0.039
0.0376
0
64716211
0.098
0.00165
1
20280585
0.093
0.0072
1
14548781
0.093
0.0173
1
14518241
0.078
0.0237
1
9675101
0.079
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
ROA
Dummy Total assets
GDP Growth
0.00965
2
4038820770
0.032
0.0067
2
3900762061
0.063
0.013
2
5112769866
0.105
0.0182
0
4504946926
0.085
0.0307
0
2180587751
0.039
0.0129
0
1296368721
0.098
0.0118
1
623519004
0.093
0.01635
1
413561286
0.093
0.0031
1
221447581
0.078
-0.0017
1
64975622
0.079
2012
2011
2010
2009
2008
2007
2006
2005
2004
ROA
Dummy Total assets
GDP Growth
0.02285
2
633647370
0.032
0.0173
2
714656609
0.063
0.0228
2
588938755
0.105
0.0246
0
504165954
0.085
0.0236
0
329044765
0.039
0.0189
0
329730579
0.098
0.0131
1
257721119
0.093
0.005
1
120089613
0.093
-0.00255
1
51277572
0.078
Credit Union
NBFI
NGO
2003
Rural Bank
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
-0.0542
14731753
0.079
ROE
Dummy Total assets
GDP Growth
0.0234
2
31647242.4
0.032
0.0089
2
26484774.98
0.063
0.0133
2
31331156.8
0.105
0.0112
0
26825297.42
0.085
0.01
0
19535791.78
0.039
0.0074
0
20091872.8
0.098
0.0076
1
11130879.03
0.093
0.0078
1
6493918.6
0.093
0.0069
1
3948921.59
0.078
0.00345
1
2294874.74
0.079
Inflation
0.093
0.089
0.117
0.109
0.083
0.064
0.053
0.0425
0.0377
0.038
Inflation
0.093
0.089
0.117
0.109
0.083
0.064
0.053
0.0425
0.0377
0.038
Inflation
0.093
0.089
0.117
0.109
0.083
0.064
0.053
0.0425
0.0377
0.038
Inflation
0.093
0.089
0.117
0.109
0.083
0.064
0.053
0.0425
0.0377
0.038
Inflation
0.093
0.089
0.117
0.109
0.083
0.064
0.053
0.0425
0.0377
0.038
GDP
Bangladesh
2012
0.063
2011
0.067
2010
0.061
2009
0.057
2008
0.062
2007
0.064
2006
0.066
2005
0.06
2004
0.063
2003
0.053
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
0.053
0.063
0.06
0.066
0.064
0.062
0.057
0.061
0.067
0.063
India
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
0
-1
-2
-3
-4
-5
-6
-7
-8
-9
0.032
0.063
0.105
0.085
0.039
0.098
0.093
0.093
0.078
0.079
0.032
0.063
0.105
0.085
0.039
0.098
0.093
0.093
0.078
0.079
India
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
0.079
0.078
0.093
0.093
0.098
0.039
0.085
0.105
0.063
0.032
Fiscal Year
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003-2006
2007-2009
2010-2012
2006
2007
2008
2009
2010
2011
2012
2003-2006
2007-2009
2010-2012
NGO
2003
2004

268030808.8
0.25576547
337701325.5
0.259934733
424472500.8
0.256946505
482086331.4
0.135730419
532024502.4
0.10358761
642257512.5
0.207195363
817389833.1
0.272682401
939129906.3
0.148937592
920685919.1
-0.019639442
1007989551
0.094824555
0.227094282
0.194488458
0.074707568
349416.79
483936.79
0.384984362
697920.98
0.442173843
868376.69
0.244233538
991666.26
0.141977061
1042470.44
0.051231127
982910.98
-0.057132997
1099687.42
0.118806731
0.384984362
0.276128147
0.037634954
970091.51
1276580.83
0.315938565
1296014.42

0.0644
0.0727
0.0628
0.0706
0.0747
0.0774
0.0813
0.0855
0.083
0.0033
0.006
0.0043
0.0653
0.0322
0.0118
0.0128
0.0328
0.0314
2005
2006
2007
2008
2009
2010
2011
2012
2003-2006
2007-2009
2010-2012
Other (Axibd)
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003-2006
2007-2009
2010-2012
0.015223157
1745250.88
0.346629214
5036618.725
1.885899548
7938023.53
0.57606203
9742045.57
0.227263378
11370987.24
0.167207354
14792770.85
0.300922299
13781851.39
-0.06833875
17657987.51
0.281249305
0.640922621
0.323510921
0.171277618
12388.409
16608.54
0.24107335
25167.79
0.515352343
18121.41
-0.279976112
20128.65
0.110766215
18268.4
-0.092418021
16256.345
-0.110138545
15432.37
-0.050686363
17365.36
0.125255551
14293.23
-0.176911391
20126.29
0.408099499
0.146803949
-0.08441431
0.118814553
0.0321
0.0325
0.03625
0.0351
0.0387
0.03915
0.0415
0.0241
0.1816
0.1935
0.1058

2870000
242.2759
3700000
283.7859
5050000
312.8485
5960000
285.3723
6160000
243.642
6210000
256.1881
6430000
276.1672
6610000
297.0119
6580000
297.3608
6710000
301.424
11379
67.3314
12312
72.8521
12578
71.4659
13533
76.892
15666
83.3298
13418
109.9836
16017
158.5842
19642.5
118.93735
25527
130.14395
Assets
394039511.7
0.248116462
514719580.5
0.306263878
633023844.8
0.229842168
819799478.2
0.295053077
941270137.6
0.148171184
1117815461
0.18756074
1411363085
0.262608306
1713365603
0.213979323
1647022564
-0.038720889
1900430694
0.153858323
0.269818896
0.199446743
0.109705586
508442.38
635184.38
0.249275051
858692.09
0.351878473
1014282.87
0.181195078
1301588.79
0.283260152
1377198.38
0.058090228
1340686.65
-0.026511598
1460754.51
0.089556989
0.213979323
0.272111234
0.04037854
1193054.195
1563743.995
0.310706589
1537745.525
26656
132.585
62018
140.67995
107591
132.444
100747
142.79185
93995
122.8012
100217
137.0958
96632
128.77695
145013
132.3053
30
1.2
30
1.2
20
0.5714
-0.016625784
2495753.41
0.622995073
6000965.03
1.404470332
9593839.93
0.598716187
14197032.82
0.479807139
13918247
-0.019636908
16847984.87
0.210496183
18909474.21
0.122358214
33738387.99
0.784205505
0.580386552
0.352962139
0.372353301
37247.39
49825.61
0.191429892
72147.65
0.448003346
75505.89
0.046546769
76392.28
0.011739349
79023.34
0.034441438
67292.23
-0.148451204
65839.45
-0.02158912
70273.21
0.067341996
65372.34
-0.069740232
68293.435
0.04468396
0.174429839
-0.045199629
0.014095241
Equity
Personnel
77847732.93
11846

Borrowings
0.0712 47,387,567.11
0.03
0.0619 48,587,567.11
0.03
0.0835 28,954,877.68
-0.404068172
0.0697
26892796.06
-0.071217072
0.0733
26255877.96
-0.023683595
0.062
25035698.22
-0.046472631
0.0647
24208275.56
-0.033049714
22491544.26
-0.070915059
0.0643
18671676.07
-0.169835746
0.0617
18384936.46
-0.015356929
(0.10)
-0.03440198
-0.085369245
79097030.2
13038
71189716.1
16142
88580707.35
20885
85884083.13
25283
145044280
24240
97802508.6
23283
104217693.7
22255
96261258.46
22128
114710929.1
22261
111875.04
169
0.1138
204608.5
169
0.1457
259410.5
176
0.1359
299737.76
176
0.0657
325035.77
188
0.5398
316332.51
122
0.102
335658.71
101
0.1011
298011.33
183
0.1192
245895.36
168
0.1248
303947.97
316410.97
0.041003728
387150.44
0.223568323
498938.07
0.28874468
615844.03
0.234309561
627000.09
0.018115074
597020.87
-0.047813741
628042.92
0.051961416
0.041003728
0.248874188
0.007420916
24368311.88
27192780.42
0.115907436
9505544.16
296497.35
212
0.1191
841259.59
458
0.125
1253018.72
709.5
0.1365
1688620.93
958
0.13935
1469816.37
679
0.1125
2163413.75
731
0.1151
2671229.31
707
0.1151
5269099.725
974
0.1188
8304.27
25
2.9059
8389.26
25
2.6264
9060.71
35
1.9036
-0.650438682
3681385.89
-0.612711716
5161461.56
0.402043066
5082191.255
-0.015358112
7970587.38
0.568336763
6875130.185
-0.137437449
7171257.425
0.043072237
8901849.71
0.241323408
15706945
0.764458568
-0.186299974
0.138513734
0.349618071
10293.39
23459.33
0.544155147
34592.45
0.474571098
45833.56
0.324958481
40284.23
-0.121075692
36452.34
-0.095121342
32378.53
-0.11175716
30284.34
-0.064678353
33256.25
0.098133557
27478.35
-0.173738771
29579.35
0.076460195
0.305652258
-0.090518952
0.000284994
Return on equity
Return on assets Portfolio at risk > 30 days
0.049
0.0077
0.0698
0.1525
0.0107
0.0019
0.0798
0.1547
0.184
0.0241
0.0778
0.1749
0.2237
0.0246
0.0702
0.18
0.0107
0.0011
0.08345
0.1714
0.1478
0.0166
0.0621
0.161
0.0445
0.0043
0.0657
0.1629
0.0487
0.00576
0.0695
0.0682
0.0041
0.0876
0.1665
0.1451
0.0086
0.1066
0.1695
0.11685
0.067666667
0.087333333
0.0744
0.070416667
0.0879
0.0323
0.0443
-0.0573
-0.0121
0.0319
0.1585
0.0596
0.0148
0.0313
0.1552
0.0072
0.0017
0.0413
0.1354
-0.1228
-0.0286
0.0645
0.5617
0.0176
0.0041
0.0919
0.1237
0.001
0.0002
0.0449
0.1196
0.0323
0.003166667
-0.034733333
0.0443
0.034833333
0.0671
0.21335
0.0357
0.0156
0.20775
0.1746
0.0376
0.01875
0.2102
0.1743
0.02675
0.01155
0.18775
0.204
0.0361
0.0215
0.2068
-0.0199
-0.00295
0.0515
0.1937
0.0348
0.0059
0.0516
0.197
0.1449
0.0211
0.0545
0.1878
0.21775
0.0298
0.0459
0.19665
0.20185
0.04035
0.0509
0.211
0.03185
0.00935
0.07785
0.1971
0.1915625
0.053266667
0.150483333
0.01685
0.052533333
0.058216667
-1.4242
-0.207
0.08
2.9059
-0.606
-0.0829
0.0533
2.7646
0.8054
0.0952
0.0833
2.1151
0.736
0.0836
0.0867
0.563
0.0635
0.0938
0.3192
0.0426
0.1023
0.2638
0.0355
0.0923
0.328
0.0413
0.073
0.238
0.0362
0.09873
0.2475
0.0395
0.0836
-0.1222
0.382
0.271166667
0.075825
0.096133333
0.08511
Write-off ratio Administrative expense / assets

0.0538
0.0417

0.1976
0.1537
0.0436
0.0338
0.1125
0.0208
0.0249
0.1081
0.098
0.0272
0.0912
0.067
0.0201
0.1298
0.0754
0.0206
0.0693
0.0674
0.0608
0.0563
0.0241
0.0584
0.0523
0.0259
0.0604
0.039975
0.080133333
0.058666667
0.0342
0.1761
0.0453
0.0904
0.2383
0.0563
0.0785
0.2558
0.06372
0.0144
0.2303
0.0725
0.2546
0.236
0.05683
0.0638
0.2359
0.0526
0.0715
0.2298
0.002
0.04505
0.20355
0.0323
0.03975
0.1764
0.0342
0.055106667
0.060643333
0.0123
0.03675
0.1525
0.0012
0.0357
0.1283
0.0001
0.0358
0.1496
0.02334
0.03575
0.1233
0.0453
0.0279
0.129
0.0372
0.02745
0.15485
0.035
0.0273
0.1646
0.0049
0.03235
0.23475
0.01195
0.022913333
0.0257
0.111
0.4036
0.1443
0.237
0.3028
0.4037
0.3574
0.3023
0.3487
0.2943
0.223975
0.354633333
0.3151
Bank
Fiscal Year
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012

Assets
Financial income
0.1525
394039511.7
60091025.54
0.1547
514719580.5
79627119.11
0.1749
633023844.8
110715870.4
0.18
819799478.2
147563906.1
0.1714
941270137.6
161333701.6
0.161
1117815461
179968289.2
0.1629
1411363085
229911046.6
0.1643
1713365603
281505968.6
0.1665
1647022564
274229256.8
0.1695
1900430694
322123002.6
2003-2006
2007-2009
2010-2012

Fiscal Year
Assets
Financial income
2006
0.1623
635184.38
103090.4249
2007
0.1585
858692.09
136102.6963
2008
0.1552
1014282.87
157416.7014
2009
0.1354
1301588.79
176235.1222
2010
0.5617
1377198.38
773572.33
2011
0.1237
1340686.65
165842.9386
2012
0.1196
1460754.51
174706.2394
2003-2006
2007-2009
2010-2012
NGO
Fiscal Year
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012

Assets
Financial income
0.20775
1563743.995
324867.815
0.2102
1537745.525
323234.1094
0.18775
2495753.41
468577.7027
0.2068
6000965.03
1240999.568
0.1937
9593839.93
1858326.794
0.197
14197032.82
2796815.466
0.1878
13918247
2613846.786
0.19665
16847984.87
3313156.224
0.211
18909474.21
3989899.058
0.1971
33738387.99
6649836.272
2003-2006
2007-2009
2010-2012
Other (Axibd)
Fiscal Year
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003-2006
2007-2009
2010-2012

Assets
Financial income
2.9059
49825.61
144788.2401
2.7646
72147.65
199459.3932
2.1151
75505.89
159702.5079
2.0354
76392.28
155488.8467
1.213
79023.34
95855.31142
0.912
67292.23
61370.51376
0.932
65839.45
61362.3674
1.132
70273.21
79549.27372
0.845
65372.34
55239.6273
0.924
68293.435
63103.13394
Gross Lending NPL rate

268030808.8
337701325.5
424472500.8
482086331.4
532024502.4
642257512.5
817389833.1
939129906.3
920685919.1
1007989551
0.0538
0.0417
0.0086
0.0104
0.006
0.0126
0.0067
0.0095
0.0056
0.004
NPL
Net Lending portfolio
14420058
253610751.3
14082145
323619180.2
3650464
420822037.3
5013698
477072633.5
3192147
528832355.4
8092445
634165067.8
5476512
811913321.3
8921734
930208172.2
5155841
915530078
4031958
1003957593
Lending rate
0.236941948
0.246051915
0.263094279
0.309311194
0.305075323
0.283787768
0.283171911
0.30262685
0.299530582
0.320853196
0.263849834
0.290678334
0.307670209

483936.79
697920.98
868376.69
991666.26
1042470.44
982910.98
1099687.42
0.0537
0.0612
0.0541
0.0521
0.0423
0.0342
0.0467
NPL
25987.41
457949.3844
42712.76
655208.216
46979.18
821397.5111
51665.81
940000.4479
44096.5
998373.9404
33615.56
949295.4245
51355.4
1048332.017
Lending rate
0.225113142
0.207724343
0.19164497
0.187484083
0.774832253
0.174701083
0.16665163
0.225113142
0.195617799
0.372061655

1276580.83
1296014.42
1745250.88
5036618.725
7938023.53
9742045.57
11370987.24
14792770.85
13781851.39
17657987.51
0.0034
0.0046
0.0056
0.0124
0.0465
0.05134
0.0135
0.0145
0.01376
0.011
NPL
4340.375
1272240.455
5961.666
1290052.754
9773.405
1735477.475
62454.07
4974164.653
369118.1
7568905.436
500156.6
9241888.95
153508.3
11217478.91
214495.2
14578275.67
189638.3
13592213.11
194237.9
17463749.64
Lending rate
0.255350955
0.250558831
0.2699993
0.249489041
0.245521206
0.30262379
0.233015529
0.227266674
0.293543003
0.380779409
0.256349531
0.260386842
0.300529695

16608.54
25167.79
18121.41
20128.65
18268.4
16256.345
15432.37
17365.36
14293.23
20126.29
0.111
0.4036
0.1443
0.1538
0.2344
0.2134
0.1532
0.112
0.3828
0.2637
NPL
1843.548
14764.99206
10157.72
15010.06996
2614.919
15506.49054
3095.786
17032.86363
4282.113
13986.28704
3469.104
12787.24098
2364.239
13068.13092
1944.92
15420.43968
5471.448
8821.781556
5307.303
14818.98733
Lending rate
9.806184759
13.28837199
10.29907493
9.128755451
6.853520963
4.799355379
4.69557336
5.158690373
6.261731482
4.258262225
10.63059678
5.449483234
5.226228027
Borrowing cost
0.0644
0.0727
0.0628
0.0706
0.0747
0.0774
0.0813
0.0843
0.0855
0.083
Spread
MFI Active boorwer Average loan size borrower/staff
0.172542
2870000
93.39052573
242.2759
0.173352
3700000
91.27062851
283.7859
0.200294
5050000
84.05396055
312.8485
0.238711
5960000
80.88696835
285.3723
0.230375
6160000
86.36761402
243.642
0.206388
6210000
103.4231099
256.1881
0.201872
6430000
127.1212804
276.1672
0.218327
6610000
142.0771416
297.0119
0.214031
6580000
139.9218722
297.3608
0.237853
6710000
150.2219898
301.424
0.196225
0.212878
0.223404
Borrowing cost
0.0033
0.006
0.0043
0.0653
0.0322
0.0118
0.0128
281.07065
258.6657667
298.5989
Spread
0.221813
11379
42.5289384
67.3314
0.201724
12312
56.68623944
72.8521
0.187345
12578
69.03932978
71.4659
0.122184
13533
73.27763689
76.892
0.742632
15666
66.54349802
83.3298
0.162901
13418
73.2531659
109.9836
0.153852
16017
68.65751514
158.5842
0.221813
0.170418
0.353128
Borrowing cost
0.0328
0.0314
0.0321
0.0325
0.03625
0.0351
0.0387
0.03915
0.0415
0.0241
87.40052078
105.6373348
144.0736679
42.5289384
66.33440204
69.48472635
67.3314
73.73666667
117.2992
Spread
0.222551
19642.5
64.99075118
118.93735
0.219159
25527
50.77033807
130.14395
0.237899
26656
65.47309724
132.585
0.216989
62018
81.21220815
140.67995
0.209271
107591
73.77962404
132.444
0.267524
100747
96.69812074
142.79185
0.194316
93995
120.9743841
122.8012
0.188117
100217
147.6074004
137.0958
0.252043
96632
142.6220236
128.77695
0.356679
145013
121.768307
132.3053
0.22415
0.223704
0.265613
Borrowing cost
0.1816
0.1935
0.1058
0.15327
0.28361
0.2438
0.2012
0.238
0.1832
0.1632
65.61159866
97.15070963
137.332577
130.5865625
132.6790167
132.7260167
Spread
9.624585
30
553.618
1.2
13.09487
30
838.9263333
1.2
10.19327
20
906.0705
0.5714
8.975485
62
324.6556452
1.4
6.569911
82
222.7853659
1.34
4.555555
64
254.0053906
0.82
4.494373
61
252.9896721
0.937
4.92069
192
90.44458333
1.24
6.078531
163
87.68852761
2.13
4.095062
146
137.8513014
1.45
10.47205
655.8176196
1.09285
5.206613
243.2601429
1.032333333
5.031428
105.3281374
1.606666667
Operating cost/asset
Operating cost Total Staff Operating cost/staff Capital/asset
0.0712
28055613.23
11846
2368.361745
0.1976
0.0619
31861142.04
13038
2443.713916
0.1537
0.0835
52857491.04
16142
3274.531721
0.1125
0.0697
57140023.63
20885
2735.936013
0.1081
0.0733
68995101.09
25283
2728.912751
0.0912
0.062
69304558.57
24240
2859.098951
0.1298
0.0647
91315191.63
23283
3921.968459
0.0693
0.0676
115823514.8
22255
5204.381702
0.0608
0.0643
105903550.8
22128
4785.952225
0.0584
0.0617
117256573.8
22261
5267.354288
0.0604
2705.635849
3169.993387
5085.896072
0.142975
0.096766667
0.059866667
0.1138
72283.98244
169
427.7158724
0.1761
0.1457
125111.4375
169
740.304364
0.2383
0.1359
137841.042
176
783.1877388
0.2558
0.0657
85514.3835
176
485.877179
0.2303
0.5398
743411.6855
188
3954.317476
0.236
0.102
136750.0383
122
1120.901953
0.2359
0.1011
147682.281
101
1462.200802
0.2298
427.7158724
669.7897606
2179.140077
0.1761
0.241466667
0.2339
0.1192
186398.2842
183
1018.569859
0.20355
0.1248
191910.6415
168
1142.325247
0.1764
0.1191
297244.2311
212
1402.09543
0.1525
0.125
750120.6288
458
1637.817967
0.1283
0.1365
1309559.15
709.5
1845.749331
0.1496
0.13935
1978356.523
958
2065.090317
0.1233
0.1125
1565802.787
679
2306.042396
0.129
0.1151
1939203.058
731
2652.808561
0.15485
0.1151
2176480.482
707
3078.4731
0.1646
0.1188
4008120.493
974
4115.113442
0.23475
1300.202126
2072.294015
3282.131701
0.1651875
0.133966667
0.184733333
2.9059
144788.2401
25
5791.529604
0.1667
2.6264
189488.588
25
7579.543518
0.1163
1.9036
143733.0122
35
4106.657492
0.12
2.41
184105.3948
63
2922.307854
0.18
3.14
248133.2876
84
2953.96771
0.15
3.756
252749.6159
103
2453.879766
0.14
2.7349
180064.3118
146
1233.317204
0.11
2.846
199997.5557
198
1010.088665
0.15
3.472
226972.7645
236
961.749002
0.09
2.974
203104.6757
279
727.973748
0.12
5100.009617
0.14575
2213.72156 0.133333333
899.9371383
0.12
Bank
Fiscal Year

2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
0.3965
0.1049
0.0976
0.0866
0.1022
0.1255
0.1091
0.0921
0.0738
0.0923
Assets
Financial income
1038358.63
411709.1968
1257015.52
131860.928
20,598,218.94
2010386.169
21,229,453.13
1838470.641
25,104,035.54
2565632.432
24,875,925.42
3121928.64
31,682,719.03
3456584.646
31,882,719.03
2936398.423
22,882,719.03
1688744.664
24,012,108.03
2216317.571
0.152
0.1695
0.1476
0.14835
0.174
0.1558
0.1387
0.15335
0.14355
0.2237
Assets
Financial income
2515542.415
382362.4471
1328541.28
225187.747
1450738.74
214129.038
2555261.76
379073.0821
5519282.955
960355.2342
4340924.655
676316.0612
5411563.455
750583.8512
4407245.74
675851.1342
3758808.77
539576.9989
1085185.85
242756.0746
0.2436
0.206
0.21135
0.1856
0.20915
0.2512
0.217
0.2558
0.2199
Assets
Financial income
2640563.44
643241.254
1879000.05
387074.0103
4933058.955
1042602.01
7338622.85
1362048.401
9159770.425
1915765.984
8209078.67
2062120.562
14799444.7
3211479.5
21186732.27
5419566.113
20123157.81
4425082.402
2003-2006
2007-2009
2010-2012

Fiscal Year
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003-2006
2007-2009
2010-2012
NBFI
Fiscal Year

2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
0.2075
31187084.89
6471320.115
2003-2006
2007-2009
2010-2012
NGO
Fiscal Year

2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
0.1618
0.1665
0.1394
0.16
0.1821
0.1943
0.2137
0.2391
0.226
0.2092
Assets
Financial income
419550.17
67883.21751
374407.96
62338.92534
716042.2
99816.28268
1386707.56
221873.2096
4479621.54
815739.0824
3920386.19
761731.0367
4950341.65
1057888.011
5172304.505
1236698.007
4394886.365
993244.3185
7146791.57
1495108.796
0.1637
0.1744
0.1971
0.1769
0.1804
0.1839
0.1947
0.1921
0.1889
Assets
Financial income
2294874.74
375670.9949
3948921.59
688691.9253
6493918.6
1279951.356
11130879.03
1969052.5
20091872.8
3624573.853
19535791.78
3592632.108
26825297.42
5222885.408
31331156.8
6018715.221
26484774.98
5002973.994
2003-2006
2007-2009
2010-2012
Rural Bank
Fiscal Year

2003
2004
2005
2006
2007
2008
2009
2010
2011
2003-2006
2007-2009
2010-2012

NPL rate NPL
199945.61
0.004 799.7824
199145.8276
369562.68
0.0062 2291.289
367271.3914
6135073.96
0.0783 480376.3
5654697.669
6950539.11
0.0791 549787.6
6400751.466
8083412.2
0.082 662839.8
7420572.4
8650543.43
0.192 1660904
6989639.091
10373390.93
0.021 217841.2
10155549.72
9026584.93
0.0918 828640.5
8197944.433
7658986.93
0.172 1317346
6341641.178
8916878.93
0.0923 823027.9
8093851.005
Lending rate Borrowing cost

2.06737546
0.0376
0.359028585
0.039
0.355524961
0.0403
0.287227312
0.0405
0.345745893
0.0437
0.446650907
0.0411
0.34036411
0.0435
0.358187159
0.044
0.266294578
0.053
0.273827325
0.0484
0.76728908
0.37758697
0.299436354

NPL rate NPL
1551514.89
0.0012 1861.818
1549653.072
817537.3
0.0101 8257.127
809280.1733
1281807.82 0.00635 8139.48
1273668.34
1474104.68
0.039 57490.08
1416614.597
3958406.65
0.004 15833.63
3942573.023
3026775.915
0.0036 10896.39
3015879.522
2464221.47
0.011 27106.44
2437115.034
2731206.73 0.01015 27721.75
2703484.982
2919563.475
0.0142 41457.8
2878105.674
936483.07
0.033 30903.94
905579.1287

0.246740676
0.069
0.278256844
0.0778
0.168119935
0.0589
0.267590834
0.0549
0.243585909
0.0625
0.224251684
0.0944
0.307980477
0.08755
0.249992561
0.09045
0.187476438
0.08205
0.268067215
0.0822
0.240177072
0.258606023
0.235178738

1783572.78
1449148.18
3464609.865
4800937.21
7744681.82
6693998.29
13226595.56
17893840.05
19176635.31
NPL rate
0.00995
0.00953
0.00763
0.0061
0.00245
0.00142
0.00805
0.0107
0.0209
NPL
17746.55
1765826.231
13815.21
1435332.967
26417.65
3438192.215
29285.72
4771651.493
18942.2
7725739.619
9487.011
6684511.279
106458.7
13120136.84
191500.6
17702339.44
400827.9
18775807.45

0.364272114
0.0852
0.269675413
0.0637
0.303241339
0.06015
0.28544591
0.0599
0.247971855
0.07485
0.308492345
0.0905
0.244774848
0.0821
0.306149712
0.1001
0.235680005
0.0862
28013839.68 0.02073 580695.8
27433143.91 0.235894221
0.0836
0.305658694
0.267079683
0.259241313

311672.755
314897.42
499636.24
902836.22
3316527.71
3471123.845
4118753.86
4526656.06
3408073.58
5058930.33
NPL rate
0.00196
0.0416
0.0023
0.00149
0.00247
0.00151
0.00572
0.00155
0.00364
0.00405
NPL
610.8786
311061.8764
13099.73
301797.6873
1146.784
498489.4559
1345.656
901490.5641
8194.587
3308333.123
5233.387
3465890.458
23541.25
4095212.607
7022.434
4519633.626
12388.35
3395685.233
20465.67
5038464.657

0.218230592
0.0799
0.206558658
0.07835
0.200237501
0.056
0.246118172
0.0698
0.246571023
0.087
0.219779317
0.0889
0.258323099
0.0881
0.273627933
0.0947
0.292501881
0.0884
0.296738967
0.09435
0.217786231
0.241557813
0.287622927

NPL rate
1345414.09
0.0065
2753061.81
0.0023
4186943.16
0.0035
6661946.57
0.0063
12494852.38
0.0093
12535290.94
0.0036
17369745.67
0.0018
19892395.05
0.0089
16450078.18 0.00102
NPL
8745.192
1336668.898
6332.042
2746729.768
14654.3
4172288.859
41970.26
6619976.307
116202.1
12378650.25
45127.05
12490163.89
31265.54
17338480.13
177042.3
19715352.73
16779.08
16433299.1

0.28105015
0.0245
0.250731591
0.0334
0.306774387
0.0593
0.297441019
0.0545
0.292808487
0.0692
0.287636907
0.0806
0.301230867
0.0834
0.305280626
0.0718
0.304441242
0.0742
0.283999287
0.293892087
0.304860934
Spread
Average loan size Borrower/ staff Operating cost / assets
2.029775
315
634.7479683
62.35
0.397
0.320029
525
703.9289143
76.35
0.2134
0.315225
17677
347.0653369
87.5099
0.1432
0.246727
21208
327.731946
97.7327
0.0379
0.302046
21826
370.3570146
97.0044
0.0491
0.405551
21549
401.4359567
151.7535
0.0747
0.296864
20993
494.1357086
149.95
0.0525
0.314187
21938
411.4588809
173.97
0.064
0.213295
17349
441.4656136
128.97
0.164
0.225427
18274
487.9544123
148.09
0.1097
0.727939
0.33482
0.25097
503.3685413
421.9762266
446.9596356
80.98565
132.9026333
150.3433333
Spread
0.177741
7866
197.2431846
424.8
0.0398
0.200457
11134
73.42709718
340.1579
0.0476
0.10922
15449.5
82.96759248
228.5319
0.0533
0.212691
22326
66.02636746
166.4762
0.0561
0.181086
16749
236.3368947
182.7193
0.0591
0.129852
14640
206.7469887
194.52395
0.0527
0.22043
17971.5
137.1182967
254.68285
0.057
0.159543
13873.5
196.865011
202.0598
0.06305
0.105426
10556.5
276.5654786
196.48605
0.07495
0.185867
9659
96.95445388
311.5806
0.11
0.175027
0.177123
0.150279
104.9160604
193.4007267
190.1283145
289.9915
210.6420333
236.7088167
Spread
0.279072
24799
71.9211573
196.9343
0.1537
0.205975
13529
107.1142124
168.8127
0.1347
0.243091
28890.5
119.9221151
178.0522
0.111
0.225546
35210
136.3515254
208.2952
0.0953
0.173122
47717
162.3044579
212.235
0.0935
0.217992
76264
87.77402562
245.0525
0.1124
0.162675
112022.5
118.0708836
213.57345
0.1032
0.20605
132328
135.2233847
220.56905
0.1192
0.14948
147372
130.1240081
254.11745
0.1173
0.152294
0.238421
0.184596
0.169275
169254
165.5136048
313.0769
108.8272526
122.7164557
143.6203325
188.0236
223.6203167
262.5878
0.0934
Spread
0.138331
5973
52.18027038
129.9139
0.0858
0.128209
5748.5
54.77905888
124.3333
0.09285
0.144238
7880.5
63.40159127
155.8197
0.0746
0.176318
9064.5
99.60132605
186.1644
0.0706
0.159571
35935.5
92.29112465
225.2935
0.07275
0.130879
33357
104.0598329
233.5574
0.072
0.170223
30517
134.9658833
217.2195
0.0871
0.178928
35693
126.8219556
231.8298
0.0908
0.204102
18627
182.9641692
200.16675
0.0968
0.202389
39147.5
129.2274176
269.38955
0.10465
0.146774
0.153558
0.19514
67.49056165
110.4389469
146.3378475
149.057825
225.3568
233.7953667
Spread
0.25655
5765
233.3762515
174.697
0.1056
0.217332
14317
192.2932046
227.254
0.1284
0.247474
22814
183.525167
240.1474
0.118
0.242941
32498
204.9955865
136.5462
0.1054
0.223608
45207
276.3919831
154.8185
0.0941
0.207037
55148
227.3027297
180.8131
0.0874
0.217831
61467
282.5865207
186.2636
0.0888
0.233481
67032
296.7596827
189.8924
0.0886
0.230241
59152
278.0984274
167.5694
0.0907
0.241074
0.216159
0.231861
203.5475524
262.0937445
287.4290551
194.66115
173.9650667
178.7309
Operating cost Personnel

412228.3761
268247.112
2949664.952
804596.2736
1232608.145
1858231.629
1663342.749
2040494.018
3752765.921
2634128.251
137
170
202
217
225
142
140
186
153
164
Operating cost/staff Capital /asset ratio

3008.966249
0.145
1577.924188
0.185
14602.30174
0.1914
3707.816929
0.1887
5478.258422
0.1873
13086.13823
0.1642
11881.01964
0.1721
10970.39795
0.185
24527.88184
0.136
16061.75763
0.154
5724.252277
10148.4721
17186.67914

100118.5881
63238.56493
77324.37484
143350.1847
326189.6226
228766.7293
308459.1169
277876.8439
281722.7173
119370.4435
40
56
92
152
104.5
78
85.5
67
57.5
31

2502.964703
0.1205
1129.260088
0.1362
840.4823352
0.0696
943.0933206
0.0532
3121.431796
0.1307
2932.906786
0.13985
3607.70897
0.1206
4147.415581
0.1389
4899.525518
0.1442
3850.659468
0.2167
1353.950112
3220.682517
4299.200189

405854.6007
253101.3067
547569.544
699370.7576
856438.5347
922700.4425
1527302.693
2525458.486
2360446.411
121
110
102
171
287
298.5
338
513
555.5
0.177525
0.174533333
0.158333333
0.094875
0.130383333
0.1666

3354.170254
0.0996
2300.92097
0.1321
5368.328863
0.0803
4089.887471
0.12175
2984.106393
0.1552
3091.12376
0.2569
4518.647021
0.23895
4922.921025
0.26635
4249.228463
0.323
2912873.729

35997.40459
34763.77909
53416.74812
97901.55374
325892.467
282267.8057
431174.7577
469645.2491
425425.0001
747911.7378
626.5
33
34
55
68.5
87
108
104
92
61.5
107
4649.439312
0.2467
3778.32689
3531.292391
4607.196267
0.1084375
0.217016667
0.278683333

1090.830442
0.06325
1022.464091
0.06025
971.2136022
0.0458
1429.219763
0.04255
3745.890426
0.07095
2613.590793
0.08295
4145.911132
0.1035
5104.839664
0.1165
6917.479677
0.1352
6989.829325
0.13445
1128.431974
3501.79745
6337.382889

242338.7725
507041.5322
766282.3948
1173194.65
1890645.23
1707428.202
2382086.411
2775940.492
2402169.091
33
63
95
238
292
305
330
353
353
0.0529625
0.0858
0.128716667

7343.599168
0.5334
8048.278288
0.3129
8066.130472
0.1927
4929.389285
0.1213
6474.812433
0.1159
5598.125251
0.1092
7218.443669
0.1068
7863.854086
0.1097
6805.011588
0.122
7096.849303
6430.460451
7334.432837
0.290075
0.110633333
0.11585
Bank
Fiscal Year
682178.63
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
Assets
1038358.63
0.52212131
1257015.52
0.210579354
20,598,218.94
15.3866067
21,229,453.13
0.03
25,104,035.54
0.182509761
24,875,925.42
-0.009086592
31,682,719.03
0.273629764
31,882,719.03
0.00631259
22,882,719.03
-0.282284582
24,012,108.03
0.049355542
120869.61
199945.61
0.654225657
369562.68
0.84831605
6135073.96
15.60090234
6950539.11
0.13
8083412.2
0.16
8650543.43
0.07
10373390.93
0.20
9026584.93
(0.13)
7658986.93
(0.15)
8916878.93
0.16
2003-2006
2007-2009
2010-2012
4.04
0.15
(0.08)
4.31
0.14
(0.04)

2003
2583517.92
2515542.415
-0.026311219
1328541.28
-0.471866874
1450738.74
0.09197867
2555261.76
0.761352123
5519282.955
1.159967735
4340924.655
-0.21349844
5411563.455
0.24663842
4407245.74
-0.185587349
3758808.77
1668096.47
1551514.89
-0.069888991
817537.3
-0.473071573
1281807.82
0.567889098
1474104.68
0.15002004
3958406.65
1.685295491
3026775.915
-0.235354984
2464221.47
-0.185859297
2731206.73
0.108344669
2919563.475
2004
2005
2006
2007
2008
2009
2010
2011
0.0405
0.0437
0.0411
0.0435
0.0778
0.0589
0.0549
0.0625
0.0944
0.08755
0.09045
0.08205
-0.147129751
1085185.85
-0.711295276
0.068964661
936483.07
-0.679238668
2003-2006
2007-2009
2010-2012
0.088788175
0.397702572
-0.348004125
0.043737143
0.421360403
-0.167309779
NBFI
3430932.07
2640563.44
-0.230365572
1879000.05
-0.288409427
4933058.955
1.62536393
7338622.85
0.487641424
9159770.425
0.248159309
8209078.67
-0.103789911
14799444.7
0.802814335
21186732.27
0.431589677
20123157.81
-0.050200023
31187084.89
0.54981068
2465079.22
1783572.78
-0.276464316
1449148.18
-0.187502637
3464609.865
1.390790613
4800937.21
0.385707885
7744681.82
0.613160406
6693998.29
-0.135665164
13226595.56
0.975888696
17893840.05
0.352868164
19176635.31
0.071689211
28013839.68
0.460831852
0.398557589
0.315727911
0.310400111
0.328132886
0.484461313
0.295129742
1077432.935
419550.17
-0.610602056
374407.96
-0.107596691
716042.2
0.912465216
1386707.56
0.93662826
4479621.54
2.230401037
3920386.19
-0.124839865
937901.93
311672.755
-0.66769153
314897.42
0.010346317
499636.24
0.586663492
902836.22
0.806987059
3316527.71
2.673454428
3471123.845
0.046613853
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003-2006
2007-2009
2010-2012
NGO
2003
2004
2005
2006
2007
2008
0.0822
0.0852
0.0637
0.06015
0.0599
0.07485
0.0905
0.0821
0.1001
0.0862
0.0836
0.0799
0.07835
0.056
0.0698
0.087
0.0889
2009
2010
2011
2012
2003-2006
2007-2009
2010-2012
Rural Bank
2003
2004
2005
2006
2007
2008
2009
2010
2011
2003-2006
2007-2009
2010-2012
Other
2010
2011
2012
4950341.65
0.262717857
5172304.505
0.044837886
4394886.365
-0.150304016
7146791.57
0.626160719
4118753.86
0.186576465
4526656.06
0.099035343
3408073.58
-0.247110111
5058930.33
0.484395865
0.282723682
0.789426343
0.173564863
1148082.74
2294874.74
0.998875743
3948921.59
0.72075692
6493918.6
0.644478993
11130879.03
0.71404659
20091872.8
0.805057152
19535791.78
-0.027676913
26825297.42
0.37313592
31331156.8
0.167970528
26484774.98
-0.154682505
0.184076334
0.968881582
0.112107032
221573.09
1345414.09
5.072100588
2753061.81
1.046256116
4186943.16
0.520831514
6661946.57
0.591124196
12494852.38
0.875555778
12535290.94
0.003236418
17369745.67
0.385667533
19892395.05
0.145232373
16450078.18
-0.173046879
0.769539562
0.383505386
0.006644012
1.807578103
0.421486576
-0.013907253
36419878.78
31213374.07
31990386.9
11642036.91
10601520.58
12974181.13
0.0881
0.0947
0.0884
0.09435
0.0245
0.0334
0.0593
0.0545
0.0692
0.0806
0.0834
0.0718
0.0742
0.0404
0.0371
0.0435

315
525
17677
87.5099
21208
97.7327
21826
97.0044
21549
151.7535
20993
149.95
7866
424.8
11134
340.1579
15449.5
228.5319
22326
166.4762
16749
182.7193
14640
194.52395
17971.5
254.68285
13873.5
202.0598
10556.5
196.48605
9659
311.5806
24799
196.9343
13529
168.8127
28890.5
178.0522
35210
208.2952
47717
212.235
76264
245.0525
112022.5
213.57345
132328
220.56905
147372
254.11745
169254
313.0769
5973
129.9139
5748.5
124.3333
7880.5
155.8197
9064.5
186.1644
35935.5
225.2935
33357
233.5574
30517
217.2195
35693
231.8298
18627
200.16675
39147.5
269.38955
5765
174.697
14317
227.254
22814
240.1474
32498
136.5462
45207
154.8185
55148
180.8131
61467
186.2636
67032
189.8924
59152
167.5694
30293
32171
29969
186.9938
114.27025
173.2312
Equity
Personnel
Operating expense / assets

0.397
0.2134
3941553.38
202
4004973.23
217
0.0379
4701774.94
225
0.0491
4085192.45
142
0.0747
5452790.82
140
0.0525
504959.63
40
452710.95
56
0.0476
152147.49
92
0.0533
144696.93
152
0.0561
452978.67
104.5
0.0591
1103064.455
78
0.0527
1136758.45
85.5
0.057
1146690.52
67
0.06305
548385.32
57.5
0.07495
235134.14
31
0.11
156055.8
121
0.1537
260231.79
110
0.1347
569902.295
102
0.111
922575.43
171
0.0953
1546887.625
287
0.0935
1823248.76
298.5
0.1124
3560998.69
338
0.1032
5534328.93
513
0.1192
5297373.76
555.5
0.1173
6872979.18
626.5
0.0934
24913.49
33
0.0858
25154.36
34
0.09285
33084.075
55
0.0746
40829.72
68.5
0.0706
360760.07
87
0.07275
324789.11
108
0.072
578322.415
104
0.0871
689818.465
92
0.0908
649752.805
61.5
0.0968
1099903.205
107
0.10465
1224184.36
33
0.1056
1235812.81
63
0.1284
1251635.05
95
0.118
1350599.31
238
0.1054
2329032.7
292
0.0941
2134007.77
305
0.0874
2865399.93
330
0.0888
3437277.82
353
0.0886
3232104.38
353
0.0907
6485404.89
6505053.53
7816162.09
162
307
173
0.0451
0.0494
0.0551
765907.63
Borrowings
Return on equity
Return on assets
959630.63
0.0135
0.252932589
319183.52
0.018
-0.667389191
13,321,690.94
0.0212
40.73677557
12,862,241.13
0.0231
-0.034488851
17,902,803.54
0.03
0.391888347
16,614,191.42
0.0256
-0.071978231
22,409,107.03
0.0306
0.348793117
22,665,592.03
0.0429
0.01144557
12,598,098.03
0.0295
-0.444175206
13,830,877.03
0.0312
0.097854374
10.07195753
0.222901078
-0.111625087
505856.975
830621.975
0.642009532
706754.975
-0.1491256
1483427.265
1.098927234
2791113.56
0.881530444
2807685.68
0.005937458
1489746.845
-0.469403981
1114144.455
-0.252124978
1229752.25
0.10376374
549872.22
-0.0006
-0.1086
0.0023
0.0044
0.0056
0.0045
0.0052
0.0235
0.0053
0.00214
0.01895
0.028733333
0.034533333
0.2321
0.0237
0.19055
0.0173
0.1646
0.0072
0.0528
0.00165
0.2563
0.0376
0.1474
0.0189
0.0304
0.0043
0.02575
0.00245
0.0976
0.01575
-0.55285935
850051.71
0.54590772
0.1987
0.618335403
-0.2385305
0.032270703
0.1600125
0.1447
0.10735
2271933.925
3656790.02
0.609549459
1521838.55
-0.58383212
3342693.375
1.196483572
6065302.52
0.81449563
8676476.55
0.430510106
5838851.55
-0.32704808
10420077.14
0.784610732
15957251.86
0.531394792
13227186.61
-0.171086179
19440406.34
0.46973101
0.509174135
0.296024253
0.276679874
1889486.48
3163309.48
0.674163596
474557.97
-0.849980543
1836311.07
2.869518976
2367831.145
0.289449911
4136221.39
0.746839676
3099013.42
-0.250762199
0.0347
0.0146
-0.0017
0.107
0.0031
0.2952
0.01635
0.1478
0.0118
0.1134
0.0129
0.1183
0.0307
0.0909
0.0182
0.0595
0.013
0.0237
0.0067
0.034
0.00965
0.14115
0.107533333
0.039066667
0.01
-0.0542
0.0431
-0.00255
0.0227
0.005
0.2802
0.0131
0.3599
0.0189
0.2996
0.0236
3232748.7
0.043154147
3604412.26
0.114968281
3289688.215
-0.087316329
4030971.62
0.225335459
0.2372
0.0246
0.2142
0.0228
0.1822
0.0173
0.13025
0.02285
0.745787985
0.179743875
0.084329137
718450.86
864703.86
0.203567158
914703.86
0.057823264
2356790.68
1.576561424
3417017
0.449860197
6750686.85
0.975608213
6197801.81
-0.081900561
6697075.21
0.080556529
5968468.67
-0.108794738
2838656.26
-0.524391194
0.089
0.2989
0.17555
0.571953011
0.324754727
-0.316592966
0.028475
0.085066667
0.09875
0.012
0.00345
0.0176
0.0069
0.0328
0.0078
0.0515
0.0076
0.0627
0.0074
0.0884
0.01
0.1041
0.0112
0.1214
0.0133
0.0761
0.0089
0.07615
0.0618
0.0577
0.01205
0.00885
0.0095
Portfolio at risk > 30 days

0.00342
0.0053
Write-off ratio
0.3965
0.1049
0.0066
0.0083
0.0866
0.0952
0.1022
0.2212
0.1255
0.1749
0.1091
0.2123
0.2765
0.2236
0.005905
0.163766667
0.237466667
0.05515
0.03745
0.1695
0.0477
0.1476
0.0302
0.14835
0.009
0.174
0.0001
0.1558
0.004
0.1387
0.2483
0.15335
0.06725
0.14355
0.0066
0.2237
0.042625
0.004366667
0.107383333
0.0006
0.2436
0.0082
0.007
0.206
0.0093
0.00915
0.21135
0.0097
0.01675
0.1856
0.000154
0.0055
0.20915
0.0002
0.0034
0.2512
0.0004
0.0046
0.217
0.00095
0.01325
0.2558
0.003
0.01245
0.2199
0.0026
0.00535
0.2075
0.0015
0.008375
0.0045
0.01035
0.0068385
0.000516667
0.002366667
0.0217
0.1618
0.0007
0.1665
0.00025
0.1394
0.00068
0.16
0.0021
0.1821
0.00405
0.1943
0.0051
0.2137
0.00495
0.2391
0.0091
0.226
0.0032
0.2092
0.0008
0.0058325
0.00375
0.00575
0.1085
0.0567
0.0708
0.1744
0.00868
0.0901
0.1971
0.00656
0.0684
0.1769
0.0063
0.059
0.1804
0.00567
0.0001
0.1839
0.00457
0.0493
0.1947
0.0018
0.0413
0.1921
0.0089
0.062
0.1889
0.0102
0.08445
0.036133333
0.05165
0.1283
0.0065
0.2171
0.01956
0.004013333
0.00955
0.1962
0.158
0.112
Administrative expense / assets
0.1914
0.1887
0.1873
0.0529
0.1642
0.0315
0.1721
0.1205
0.1362
0.0223
0.0696
0.016
0.0532
0.0196
0.1307
0.0151
0.13985
0.0148
0.1206
0.022
0.1389
0.0257
0.1442
0.0427
0.2167
0.0607
0.0996
0.0672
0.1321
0.0488
0.0803
0.0472
0.12175
0.0393
0.1552
0.043
0.2569
0.0462
0.23895
0.0479
0.26635
0.0428
0.323
0.0321
0.2467
0.06325
0.0768
0.06025
0.02445
0.0458
0.0232
0.04255
0.0342
0.07095
0.0225
0.08295
0.0368
0.1035
0.0389
0.1165
0.0347
0.1352
0.0358
0.13445
0.5334
0.3129
0.0698
0.1927
0.0556
0.1213
0.0422
0.1159
0.0405
0.1092
0.0444
0.1068
0.0447
0.1097
0.039
0.122
0.0376
0.0255
0.0236
0.1838
0.19775
0.2443
Bank
CUCs
NGO
Other
All

lending rate
spread
loan size
borower/staff
Operational cost/staff
capital/asset
0.263849834
0.196224834
87.40052078
281.07065
2705.635849
0.142975
0.225113142
0.221813142
42.5289384
67.3314
427.7158724
0.1761
0.25635 10.6306
0.22415 10.47205
65.6116 655.8176
130.587 1.09285
1300.2 5100.01
0.16519 0.14575
2.843977323
2.778560448
212.8396694
120.0203656
2383.390866
0.157503125

lending rate
spread
loan size
borower/staff
capital/asset
0.290678334
0.212878334
105.6373348
258.6657667
3169.993387
0.096766667
0.195617799
0.170417799
66.33440204
73.73666667
669.7897606
0.241466667
0.26039
0.2237
97.1507
132.679
2072.29
0.13397
5.449483
5.206613
243.2601
1.032333
2213.722
0.133333
1.549041552
1.453403219
128.0956473
116.5284458
2031.44968
0.151383333
Difference (B-A)
lending rate
spread
loan size
borower/staff
capital/asset
0.0268285
0.0166535
18.236814
-22.4048833
464.3575382
-0.04620833
-0.029495343
-0.051395343
23.80546364
6.405266667
242.0738882
0.065366667
0.00404
-0.00045
31.5391
2.09245
772.092
-0.03122
-5.18111
-5.26544
-412.557
-0.06052
-2886.29
-0.01242
-1.29493577
-1.325157229
-84.74402204
-3.491919792
-351.9411855
-0.006119792

lending rate
spread
loan size
borower/staff
capital/asset
0.307670209
0.223403543
144.0736679
298.5989
5085.896072
0.059866667
0.372061655
0.353128322
69.48472635
117.2992
2179.140077
0.2339
0.30053
0.26561
137.333
132.726
3282.13
0.18473
5.226228
5.031428
105.3281
1.606667
899.9371
0.12
1.551622397
1.46839323
114.0547772
137.5576958
2861.776247
0.149625
Difference (B-C)
lending rate
spread
loan size
borower/staff
capital/asset
-0.01699188
-0.01052521
-38.4363331
-39.9331333
-1915.90269
0.0369
-0.176443857
-0.182710523
-3.150324316
-43.56253333
-1509.350316
0.007566667
-0.04014
-0.04191
-40.1819
-0.047
-1209.84
-0.05077
0.223255
0.175185
137.932
-0.57433
1313.784
0.013333
-0.002580844
-0.014990011
14.04087016
-21.02925
-830.3265666
0.001758333
India
Bank
CUCs

lending rate
spread
loan size
borrower/staff
capital/asset
0.767289
0.727939
503.3685
80.98565
5724.252
0.177525
0.240177
0.175027
104.9161
289.9915
1353.95
0.094875

lending rate
spread
loan size
borower/staff
capital/asset
0.377587
0.33482
421.9762
132.9026
10148.47
0.174533
0.258606
0.177123
193.4007
210.642
3220.683
0.130383
Difference (B-A)
lending rate
spread
loan size
borower/staff
capital/asset
-0.3897
-0.39312
-81.3923
51.91698
4424.22
-0.00299
0.018429
0.002096
88.48467
-79.3495
1866.732
0.035508

lending rate
spread
loan size
borower/staff
capital/asset
0.299436
0.25097
446.9596
150.3433
17186.68
0.158333
0.235179
0.150279
190.1283
236.7088
4299.2
0.1666
Difference (B-C)
lending rate
spread
loan size
borower/staff
capital/asset
0.078151 0.023427
0.083851 0.026844
-24.9834 3.272412
-17.4407 -26.0668
-7038.21 -1078.52
0.0162 -0.03622
India
NBFI
NGO
Rural Bank All
0.305659
0.238421
108.8273
188.0236
3778.327
0.108438
0.217786
0.146774
67.49056
149.0578
1128.432
0.052963
0.2839993
0.2410743
203.54755
194.66115
7096.8493
0.290075
0.26708
0.184596
122.7165
223.6203
3531.292
0.217017
0.241558
0.153558
110.4389
225.3568
3501.797
0.0858
0.2938921
0.2161588
262.09374
173.96507
6430.4605
0.1106333
-0.03858
-0.05382
13.8892
35.59672
-247.034
0.108579
0.023772
0.006784
42.94839
76.29898
2373.365
0.032838
0.0098928
-0.0249155
58.546192
-20.696083
-666.38885
-0.1794417
0.259241
0.169275
143.6203
262.5878
4607.196
0.278683
0.287623
0.19514
146.3378
233.7954
6337.383
0.128717
0.3048609
0.2318609
287.42906
178.7309
7334.4328
0.11585
0.007838
0.015322
-20.9039
-38.9675
-1075.9
-0.06167
-0.04607
-0.04158
-35.8989
-8.43857
-2835.59
-0.04292
-0.0109688
-0.0157022
-25.335311
-4.7658333
-903.97239
-0.0052167
Bangladesh
2012
0.0622
2011
0.1071
2010 0.08126
2009 0.05426
2008
0.089
2007 0.09109
2006
0.0677
2005
0.0704
2004 0.06103
2003 0.05361
India
2012
0.093
2011
0.089
2010
0.117
2009
0.109
2008
0.083
2007
0.064
2006
0.053
2005
0.0425
2004
0.0377
2003
0.038
india
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
0.05361
0.06103
0.0704
0.0677
0.09109
0.089
0.05426
0.08126
0.1071
0.0622
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
0.038
0.0377
0.0425
0.053
0.064
0.083
0.109
0.117
0.089
0.093
0.041
0.0403
0.0505
0.04
0.034
0.044
0.024
0.012
0.026
0.061
bd
0.00061
0.00197
0.0104
0.0017
0.02709
0.027
0.00274
0.02026
0.0401
0.0008
Bank
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
Lending rate borrowing rate Average loan size

Borrower per staff
0.236941948
0.0644
93.39052573
242.2759
0.246051915
0.0727
91.27062851
283.7859
0.263094279
0.0628
84.05396055
312.8485
0.309311194
0.0706
80.88696835
285.3723
0.305075323
0.0747
86.36761402
243.642
0.283787768
0.0774
103.4231099
256.1881
0.283171911
0.0813
127.1212804
276.1672
0.30262685
0.0843
142.0771416
297.0119
0.299530582
0.0855
139.9218722
297.3608
0.320853196
0.083
150.2219898
301.424

Borrower per staff
2003
0.2463243
0.00458
18.3854
43.5493
2004
0.2284
0.002747
27.3485
52.34628
2005
0.2343
0.01838
32.3854
57.472754
2006 0.225113142
0.0033
42.5289384
67.3314
2007 0.207724343
0.006
56.68623944
72.8521
2008 0.19164497
0.0043
69.03932978
71.4659
2009 0.187484083
0.0653
73.27763689
76.892
2010 0.774832253
0.0322
66.54349802
83.3298
2011 0.174701083
0.0118
73.2531659
109.9836
2012 0.16665163
0.0128
68.65751514
158.5842
NGO
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012

Borrower per staff
0.255350955
0.0328
64.99075118
118.93735
0.250558831
0.0314
50.77033807
130.14395
0.2699993
0.0321
65.47309724
132.585
0.249489041
0.0325
81.21220815
140.67995
0.245521206
0.03625
73.77962404
132.444
0.30262379
0.0351
96.69812074
142.79185
0.233015529
0.0387
120.9743841
122.8012
0.227266674
0.03915
147.6074004
137.0958
0.293543003
0.0415
142.6220236
128.77695
0.380779409
0.0241
121.768307
132.3053
Other (Axibd)
Borrower per staff
2003 9.806184759
0.1816
553.618
1.2
2004 13.28837199
0.1935
838.9263333
1.2
2005 10.29907493
0.1058
906.0705
0.5714
2006 9.128755451
0.15327
324.6556452
1.4
2007 6.853520963
0.28361
222.7853659
1.34
2008 4.799355379
0.2438
254.0053906
0.82
2009 4.69557336
2010 5.158690373
2011 6.261731482
2012 4.258262225
0.2012
0.238
0.1832
0.1632
252.9896721
90.44458333
87.68852761
137.8513014
0.937
1.24
2.13
1.45
Operating cost per staff

Capital asset ratio Portfoilo at risk(t-1)
Real gdp growth
MFI age
2368.361745
0.1976
0.0575
0.00061
2443.713916
0.1537
0.0698
0.00197
3274.531721
0.1125
0.0798
0.0104
2735.936013
0.1081
0.0778
0.0017
2728.912751
0.0912
0.0702
0.02709
2859.098951
0.1298
0.08345
0.027
3921.968459
0.0693
0.0621
0.00274
5204.381702
0.0608
0.0657
0.02026
4785.952225
0.0584
0.0695
0.0401
5267.354288
0.0604
0.0876
0.0008

Capital asset ratio Portfoilo at risk
Real gdp growth
MFI age
128.46353
0.16445
0.03627
0.00061
245.3754
0.184456
0.03856
0.00197
324.473253
0.1535867
0.04632
0.0104
427.7158724
0.1761
0.0331
0.0017
740.304364
0.2383
0.0443
0.02709
783.1877388
0.2558
0.0319
0.027
485.877179
0.2303
0.0313
0.00274
3954.317476
0.236
0.0413
0.02026
1120.901953
0.2359
0.0645
0.0401
1462.200802
0.2298
0.0919
0.0008

Real gdp growth
MFI age
1018.569859
0.20355
0.0028
0.00061
1142.325247
0.1764
0.0156
0.00197
1402.09543
0.1525
0.01875
0.0104
1637.817967
0.1283
0.01155
0.0017
1845.749331
0.1496
0.0215
0.02709
2065.090317
0.1233
0.0515
0.027
2306.042396
0.129
0.0516
0.00274
2652.808561
0.15485
0.0545
0.02026
3078.4731
0.1646
0.0459
0.0401
4115.113442
0.23475
0.0509
0.0008

Real gdp growth
MFI age
144788.2401
0.1667
0.05464
0.00061
189488.588
0.1163
0.08
0.00197
143733.0122
0.12
0.0533
0.0104
184105.3948
0.18
0.0833
0.0017
248133.2876
0.15
0.0867
0.02709
252749.6159
0.14
0.0938
0.027
180064.3118
199997.5557
226972.7645
203104.6757
0.11
0.15
0.09
0.12
0.1023
0.0923
0.073
0.09873
0.00274
0.02026
0.0401
0.0008
Spread
0.172542
0.173352
0.200294
0.238711
0.230375
0.206388
0.201872
0.218327
0.214031
0.237853
0.21343
0.20437
0.22546
0.221813
0.201724
0.187345
0.122184
0.742632
0.162901
0.153852
0.222551
0.219159
0.237899
0.216989
0.209271
0.267524
0.194316
0.188117
0.252043
0.356679
9.624585
13.09487
10.19327
8.975485
6.569911
4.555555
4.494373
4.92069
6.078531
4.095062
Bank
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012

Borrower per staff
2.06737546
0.0376
634.7479683
62.35
0.359028585
0.039
703.9289143
76.35
0.355524961
0.0403
347.0653369
87.5099
0.287227312
0.0405
327.731946
97.7327
0.345745893
0.0437
370.3570146
97.0044
0.446650907
0.0411
401.4359567
151.7535
0.34036411
0.0435
494.1357086
149.95
0.358187159
0.044
411.4588809
173.97
0.266294578
0.053
441.4656136
128.97
0.273827325
0.0484
487.9544123
148.09

Borrower per staff
2003 0.246740676
0.069
197.2431846
424.8
2004 0.278256844
0.0778
73.42709718
340.1579
2005 0.168119935
0.0589
82.96759248
228.5319
2006 0.267590834
0.0549
66.02636746
166.4762
2007 0.243585909
0.0625
236.3368947
182.7193
2008 0.224251684
0.0944
206.7469887
194.52395
2009 0.307980477
0.08755
137.1182967
254.68285
2010 0.249992561
0.09045
196.865011
202.0598
2011 0.187476438
0.08205
276.5654786
196.48605
2012 0.268067215
0.0822
96.95445388
311.5806
NBFI
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012

Borrower per staff
0.364272114
0.0852
71.9211573
196.9343
0.269675413
0.0637
107.1142124
168.8127
0.303241339
0.06015
119.9221151
178.0522
0.28544591
0.0599
136.3515254
208.2952
0.247971855
0.07485
162.3044579
212.235
0.308492345
0.0905
87.77402562
245.0525
0.244774848
0.0821
118.0708836
213.57345
0.306149712
0.1001
135.2233847
220.56905
0.235680005
0.0862
130.1240081
254.11745
0.235894221
0.0836
165.5136048
313.0769
NGO
Borrower per staff
2003 0.218230592
0.0799
52.18027038
129.9139
2004 0.206558658
0.07835
54.77905888
124.3333
2005 0.200237501
0.056
63.40159127
155.8197
2006
2007
2008
2009
2010
2011
2012
0.246118172
0.246571023
0.219779317
0.258323099
0.273627933
0.292501881
0.296738967
0.0698
0.087
0.0889
0.0881
0.0947
0.0884
0.09435
99.60132605
92.29112465
104.0598329
134.9658833
126.8219556
182.9641692
129.2274176
186.1644
225.2935
233.5574
217.2195
231.8298
200.16675
269.38955
Rural Bank
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012

Borrower per staff
0.28105015
0.0245
233.3762515
174.697
0.250731591
0.0334
192.2932046
227.254
0.306774387
0.0593
183.525167
240.1474
0.297441019
0.0545
204.9955865
136.5462
0.292808487
0.0692
276.3919831
154.8185
0.287636907
0.0806
227.3027297
180.8131
0.301230867
0.0834
282.5865207
186.2636
0.305280626
0.0718
296.7596827
189.8924
0.304441242
0.0742
278.0984274
167.5694
0.28654
0.05337
256.7446
245.9754

Real gdp growth
MFI age
3008.966249
0.145
0.00208
0.041
1577.924188
0.185
0.00342
0.0403
14602.30174
0.1914
0.0053
0.0505
3707.816929
0.1887
0.0066
0.04
5478.258422
0.1873
0.0083
0.034
13086.13823
0.1642
0.0952
0.044
11881.01964
0.1721
0.2212
0.024
10970.39795
0.185
0.1749
0.012
24527.88184
0.136
0.2123
0.026
16061.75763
0.154
0.2765
0.061

Real gdp growth
MFI age
2502.964703
0.1205
0.04275
0.041
1129.260088
0.1362
0.05515
0.0403
840.4823352
0.0696
0.03745
0.0505
943.0933206
0.0532
0.0477
0.04
3121.431796
0.1307
0.0302
0.034
2932.906786
0.13985
0.009
0.044
3607.70897
0.1206
0.0001
0.024
4147.415581
0.1389
0.004
0.012
4899.525518
0.1442
0.2483
0.026
3850.659468
0.2167
0.06725
0.061

Real gdp growth
MFI age
3354.170254
0.0996
0.000477
0.041
2300.92097
0.1321
0.0006
0.0403
5368.328863
0.0803
0.007
0.0505
4089.887471
0.12175
0.00915
0.04
2984.106393
0.1552
0.01675
0.034
3091.12376
0.2569
0.0055
0.044
4518.647021
0.23895
0.0034
0.024
4922.921025
0.26635
0.0046
0.012
4249.228463
0.323
0.01325
0.026
4649.439312
0.2467
0.01245
0.061

Real gdp growth
MFI age
1090.830442
0.06325
0.01935
0.041
1022.464091
0.06025
0.0217
0.0403
971.2136022
0.0458
0.0007
0.0505
1429.219763
3745.890426
2613.590793
4145.911132
5104.839664
6917.479677
6989.829325
0.04255
0.07095
0.08295
0.1035
0.1165
0.1352
0.13445
0.00025
0.00068
0.0021
0.00405
0.0051
0.00495
0.0091
0.04
0.034
0.044
0.024
0.012
0.026
0.061

Real gdp growth
MFI age
7343.599168
0.5334
0.0851
0.041
8048.278288
0.3129
0.1085
0.0403
8066.130472
0.1927
0.0708
0.0505
4929.389285
0.1213
0.0901
0.04
6474.812433
0.1159
0.0684
0.034
5598.125251
0.1092
0.059
0.044
7218.443669
0.1068
0.0001
0.024
7863.854086
0.1097
0.0493
0.012
6805.011588
0.122
0.0413
0.026
7315.3646
0.255473
0.062
0.061
Spread
2.029775
0.320029
0.315225
0.246727
0.302046
0.405551
0.296864
0.314187
0.213295
0.225427
0.177741
0.200457
0.10922
0.212691
0.181086
0.129852
0.22043
0.159543
0.105426
0.185867
0.279072
0.205975
0.243091
0.225546
0.173122
0.217992
0.162675
0.20605
0.14948
0.152294
0.138331
0.128209
0.144238
0.176318
0.159571
0.130879
0.170223
0.178928
0.204102
0.202389
0.25655
0.217332
0.247474
0.242941
0.223608
0.207037
0.217831
0.233481
0.230241
0.24365
Bank
Borrower per staff
2003 0.726279909
-3.280751229
6.45322802
4.132763672
2004 -1.02435327
-3.244193633
6.556677377
4.335328032
2005 -1.03415982
-3.21140381
5.849513053
4.47175193
2006 -1.24748135
-3.206453305
5.792196036
4.582236201
2007 -1.06205119
-3.130407177
5.914467445
4.574756338
2008 -0.80597796
-3.191747157
5.99504801
5.022257494
2009 -1.07773932
-3.134994341
6.202810193
5.010301905
2010 -1.02669964
-3.123565645
6.01970909
5.158882871
2011 -1.32315215
-2.937463365
6.090100132
4.859579819
2012 -1.29525757
-3.028255465
6.190221984
4.997820197
2003 -1.39941739
-2.673648774
5.284437407
6.05161847
2004 -1.27921069
-2.553613848
4.296293039
5.829409922
2005 -1.78307766
-2.831914188
4.418450079
5.431675807
2006 -1.3182962
-2.90224193
4.190054169
5.114852356
2007 -1.41228559
-2.772588722
5.465258307
5.207951095
2008 -1.49498627
-2.360214206
5.331495769
5.270555292
2009 -1.17771888
-2.43554522
4.920844033
5.540019046
2010 -1.38632412
-2.402958067
5.28251827
5.308563693
2011 -1.67410211
-2.500426461
5.622447605
5.280591436
2012 -1.31651753
-2.498599977
4.574241321
5.741658053
NBFI
2003 -1.00985412
-2.462753845
4.275570482
5.282870171
2004 -1.31053622
-2.753570716
4.673895671
5.128789816
2005 -1.19322629
-2.810913837
4.786842491
5.182076766
2006 -1.25370273
-2.815078774
4.915236297
5.338956304
2007 -1.39444003
-2.592269168
5.089473941
5.357694151
2008 -1.17605825
-2.402405428
4.474765621
5.501472473
2009 -1.40741648
-2.499817263
4.771285152
5.363980802
2010 -1.18368104
-2.301585593
4.906928112
5.396210798
2011 -1.4452803
-2.451085101
4.868487904
5.537796562
2012 -1.44437179
-2.481711759
5.109053396
5.746448847
NGO
2003 -1.52220301
-2.526979426
3.954704461
4.866871923
2004 -1.57717085
-2.54656931
4.003307984
4.822965863
2005 -1.60825111
-2.882403588
4.14948896
5.04869957
2006 -1.40194348
-2.662121269
4.601175478
5.226630154
2007 -1.4001052
-2.44184716
4.524947979
5.417403997
2008 -1.51513134
-2.420243136
4.64496605
5.453427871
2009 -1.35354416
-2.429282746
4.90502203
5.380908363
2010
-1.295986
-2.357041279
4.842784178
5.446003482
2011 -1.22928418
-2.425883309
5.209290337
5.299150769
2012 -1.21490243
-2.360744007
4.861573779
5.596158473
Rural Bank
2003 -1.26922215
-3.709082161
5.452651965
5.163053045
2004
2005
2006
2007
2008
2009
2010
2011
2012
-1.38337227
-1.1816427
-1.21253933
-1.22823651
-1.24605633
-1.19987831
-1.18652384
-1.18927717
-1.24987714
-3.399199379
-2.825145973
-2.909554577
-2.670754416
-2.518256629
-2.48410697
-2.633870803
-2.600991129
-2.930506489
5.259021314
5.212351808
5.32298845
5.621820087
5.42628274
5.643984772
5.692922662
5.627975107
5.548081816
5.426068335
5.481252901
4.916663019
5.042253463
5.197463901
5.227162875
5.246457596
5.121397594
5.505231531

Real gdp growth
MFI age
8.00935186
-1.931021537
-6.175387385
-3.194183212
7.363865457
-1.687399454
-5.678114728
-3.21140381
9.588934449
-1.6533898
-5.240048458
-2.985781943
8.218198554
-1.667596827
-5.02068563
-3.218875825
8.608542523
-1.67504367
-4.791499764
-3.381394754
9.479308799
-1.806670082
-2.351775337
-3.123565645
9.382697417
-1.759679576
-1.508688009
-3.729701449
9.302955828
-1.687399454
-1.743540897
-4.422848629
10.10756578
-1.995100393
-1.54975491
-3.649658741
9.684196423
-1.870802677
-1.285544458
-2.796881415
1
1
1
1
1
1
1
1
1
1
7.825231189
7.029317908
6.733975936
6.849165239
8.046047084
7.983749287
8.190828216
8.330240668
8.496893646
8.255999703
-2.116105526
-1.993630885
-2.664990712
-2.933696883
-2.034850658
-1.967184859
-2.115275995
-1.974001029
-1.936554054
-1.52924137
-3.152386084
-2.897698533
-3.284748569
-3.042823881
-3.499913355
-4.710530702
-9.210340372
-5.521460918
-1.393117586
-2.699338261
-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
0
0
0
1
1
1
1
1
1
1
8.117959703
7.741064744
8.58827194
8.316272736
8.001055615
8.03628998
8.415967896
8.501657338
8.354492707
8.444501913
-2.306593114
-2.024196067
-2.521985658
-2.105785517
-1.863040671
-1.359068375
-1.431500954
-1.322944046
-1.130102956
-1.399582255
-7.647994067
-7.418580903
-4.96184513
-4.6940014
-4.089357021
-5.203007187
-5.683979847
-5.381698975
-4.323757727
-4.386034656
-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
0
0
0
0
1
1
1
1
1
1
6.994694559
1022.464091
971.2136022
1429.219763
3745.890426
2613.590793
4145.911132
5104.839664
6917.479677
6989.829325
-2.760660151
-2.809252707
-3.083471188
-3.157075424
-2.645779875
-2.489517262
-2.268183666
-2.149864006
-2.001000115
-2.006562896
-3.94506286
-3.830443018
-7.264430223
-8.29404964
-7.29341776
-6.165817934
-5.509038398
-5.278514739
-5.308367702
-4.699480865
-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
0
0
0
0
0
0
1
1
1
1
8.901584351
-0.628483667
-2.463928243
-3.194183212
8.99321347
8.995429151
8.502970382
8.775674918
8.630187044
8.88439465
8.970032107
8.825414618
8.897732155
-1.161871628
-1.646620704
-2.109488463
-2.155027529
-2.214574216
-2.236797352
-2.210005912
-2.103734234
-1.36463855
-2.221005106
-2.647896278
-2.406835114
-2.682382454
-2.830217835
-9.210340372
-3.009831198
-3.186892779
-2.780620894
-3.21140381
-2.985781943
-3.218875825
-3.381394754
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
1
1
1
1
1
1
1
1
1
Spread
0.707925
-1.13934
-1.15447
-1.39947
-1.19718
-0.90251
-1.21448
-1.15777
-1.54508
-1.48976
-1.72743
-1.60716
-2.21439
-1.54792
-1.70878
-2.04136
-1.51217
-1.83544
-2.24974
-1.68272
-1.27629
-1.58
-1.41432
-1.48923
-1.75376
-1.5233
-1.816
-1.57964
-1.90059
-1.88194
-1.97811
-2.0541
-1.93629
-1.73547
-1.83527
-2.03348
-1.77065
-1.72077
-1.58914
-1.59756
-1.36043
-1.52633
-1.39645
-1.41494
-1.49786
-1.57486
-1.52404
-1.45466
-1.46863
-1.41202
Bank
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012

Borrower per staff
-1.43994011
-2.742641646
4.536789902
5.490077159
-1.40221273
-2.621413894
4.513829033
5.648220081
-1.33524284
-2.767800206
4.43145898
5.745719048
-1.17340741
-2.650725134
4.393052728
5.653794644
-1.18719657
-2.594275187
4.458612768
5.495699935
-1.25952862
-2.558768498
4.638828437
5.54591194
-1.26170111
-2.509609262
4.845141595
5.621006479
-1.19525475
-2.473373414
4.956370161
5.693772205
-1.20553876
-2.459238903
4.941084211
5.694946216
-1.13677159
-2.488914671
5.012114132
5.708517911

Borrower per staff
2003 -1.40110632
-5.386056281
2.911556871
3.77389363
2004 -1.4766568
-5.897245872
3.308661683
3.957880875
2005 -1.45115293
-3.996492162
3.477707704
4.051310992
2006 -1.49115215
-5.713832811
3.750184748
4.209626695
2007 -1.57154335
-5.11599581
4.037531491
4.288431359
2008 -1.65211073
-5.449140256
4.234676339
4.269220413
2009 -1.67406133
-2.728763243
4.294255472
4.34240184
2010 -0.25510872
-3.435788826
4.197855839
4.422806228
2011 -1.74467886
-4.439655748
4.293921467
4.700331264
2012 -1.79184969
-4.358310108
4.229130597
5.066285683
NGO
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012

Borrower per staff
-1.36511639
-3.417326764
4.17424497
4.778596884
-1.38406153
-3.460947386
3.927312288
4.868641146
-1.30933591
-3.438899249
4.181639329
4.887223949
-1.38834029
-3.42651519
4.397065583
4.946487452
-1.40437195
-3.317315898
4.301082596
4.886159915
-1.19526486
-3.349554149
4.571593968
4.961387975
-1.45665018
-3.251915679
4.795578822
4.810566788
-1.48163118
-3.240354857
4.994556049
4.920679952
-1.22573113
-3.182061852
4.960197939
4.858081838
-0.96553505
-3.725543438
4.802120116
4.885112131
Other (Axibd)
Borrower per staff
2003 2.283013284
-1.705948813
6.316474918
0.182321557
2004 2.586889366
-1.642477767
6.7321229
0.182321557
2005 2.332054079
-2.24620476
6.809117118
-0.559665789
2006 2.211429371
-1.875554207
5.782765067
0.336472237
2007 1.924762529
-1.260155224
5.406208823
0.292669614
2008 1.568481613
-1.411407062
5.53735549
-0.198450939
2009
2010
2011
2012
1.546620227
1.640682744
1.834456741
1.448861149
-1.603455841
-1.435484605
-1.697176827
-1.812778836
5.533348666
4.504737324
4.473791077
4.926175578
-0.065071997
0.21511138
0.75612198
0.371563556

Real gdp growth
MFI age
7.769953748
-1.621510494
-2.855970331
-7.402051601
7.801274258
-1.872752628
-2.662121269
-6.229721736
8.093930152
-2.184802057
-2.528231775
-4.565949473
7.914228891
-2.224698554
-2.553613848
-6.377127028
7.911658549
-2.394700382
-2.656406968
-3.608590623
7.958261802
-2.041760475
-2.483507629
-3.611918413
8.274348965
-2.669310373
-2.77900929
-5.899797359
8.557256185
-2.80016549
-2.722656353
-3.89910678
8.473440286
-2.840439389
-2.666428526
-3.216378945
8.569283483
-2.806766174
-2.434974281
-7.13089883

Real gdp growth
MFI age
4.855645051
-1.805148706
-3.316764326
-7.402051601
5.502789283
-1.690344326
-3.255539809
-6.229721736
5.782203107
-1.873490051
-3.072181446
-4.565949473
6.058459126
-1.736703263
-3.408221997
-6.377127028
6.607061404
-1.434224895
-3.116770602
-3.608590623
6.663372436
-1.36335939
-3.445149269
-3.611918413
6.185955874
-1.468372472
-3.464137181
-5.899797359
8.282563293
-1.443923474
-3.186892779
-3.89910678
7.021888956
-1.444347293
-2.741090055
-3.216378945
7.287697978
-1.470545914
-2.38705425
-7.13089883

Real gdp growth
MFI age
6.926154823
-1.591843604
-5.878135862
-7.402051601
7.040821155
-1.735001135
-4.160484365
-6.229721736
7.245723132
-1.880590683
-3.976561527
-4.565949473
7.401120127
-2.053384007
-4.461069842
-6.377127028
7.520640616
-1.899790213
-3.839702344
-3.608590623
7.632929241
-2.093134869
-2.966173471
-3.611918413
7.743288086
-2.047942875
-2.964233606
-5.899797359
7.883374192
-1.865298373
-2.909554577
-3.89910678
8.032189006
-1.804236991
-3.081290162
-3.216378945
8.322421681
-1.449234161
-2.977892355
-7.13089883

Real gdp growth
MFI age
11.88302754
-1.791559489
-2.906989064
-7.402051601
12.15208408
-2.151582219
-2.525728644
-6.229721736
11.87571278
-2.120263536
-2.931818948
-4.565949473
12.12326367
-1.714798428
-2.48530673
-6.377127028
12.42172133
-1.897119985
-2.445301395
-3.608590623
12.44015462
-1.966112856
-2.366590423
-3.611918413
12.10106935
12.20606042
12.33258531
12.22147677
-2.207274913
-1.897119985
-2.407945609
-2.120263536
-2.279845606
-2.382711137
-2.617295838
-2.315366427
-5.899797359
-3.89910678
-3.216378945
-7.13089883
Spread
-1.75711
-1.75243
-1.60797
-1.4325
-1.46805
-1.578
-1.60012
-1.52176
-1.54164
-1.4361
-1.54445
-1.58782
-1.48961
-1.50592
-1.60085
-1.6748
-2.10223
-0.29755
-1.81461
-1.87177
-1.5026
-1.51796
-1.43591
-1.52791
-1.56412
-1.31855
-1.63827
-1.67069
-1.37816
-1.03092
2.264321
2.572221
2.321728
2.194497
1.8825
1.516347
1.502826
1.593449
1.804763
1.409782
Year
Bank
NBFI
NGO
Rural Bank
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007

0.726279909
-3.280751229
6.45322802
-1.024353269
-3.244193633
6.556677377
-1.034159818
-3.21140381
5.849513053
-1.247481347
-3.206453305
5.792196036
-1.062051187
-3.130407177
5.914467445
-0.805977958
-3.191747157
5.99504801
-1.077739321
-3.134994341
6.202810193
-1.02669964
-3.123565645
6.01970909
-1.323152145
-2.937463365
6.090100132
-1.295257571
-3.028255465
6.190221984
-1.399417387
-2.673648774
5.284437407
-1.279210692
-2.553613848
4.296293039
-1.783077658
-2.831914188
4.418450079
-1.318296203
-2.90224193
4.190054169
-1.412285589
-2.772588722
5.465258307
-1.494986269
-2.360214206
5.331495769
-1.177718884
-2.43554522
4.920844033
-1.386324118
-2.402958067
5.28251827
-1.674102107
-2.500426461
5.622447605
-1.316517529
-2.498599977
4.574241321
-1.009854125
-2.462753845
4.275570482
-1.310536218
-2.753570716
4.673895671
-1.193226293
-2.810913837
4.786842491
-1.253702726
-2.815078774
4.915236297
-1.394440027
-2.592269168
5.089473941
-1.176058248
-2.402405428
4.474765621
-1.407416479
-2.499817263
4.771285152
-1.183681043
-2.301585593
4.906928112
-1.445280303
-2.451085101
4.868487904
-1.44437179
-2.481711759
5.109053396
-1.522203013
-2.526979426
3.954704461
-1.577170848
-2.54656931
4.003307984
-1.608251114
-2.882403588
4.14948896
-1.401943485
-2.662121269
4.601175478
-1.400105201
-2.44184716
4.524947979
-1.515131342
-2.420243136
4.64496605
-1.353544157
-2.429282746
4.90502203
-1.295986004
-2.357041279
4.842784178
-1.229284181
-2.425883309
5.209290337
-1.214902426
-2.360744007
4.861573779
-1.269222154
-3.709082161
5.452651965
-1.38337227
-3.399199379
5.259021314
-1.181642698
-2.825145973
5.212351808
-1.212539328
-2.909554577
5.32298845
-1.228236511
-2.670754416
5.621820087
Rural Bank
2008
2009
2010
2011
2012
-1.246056334
-1.199878307
-1.186523841
-1.189277175
-1.249877137
-2.518256629
-2.48410697
-2.633870803
-2.600991129
-2.930506489
5.42628274
5.643984772
5.692922662
5.627975107
5.548081816
Borrower per staff Operating cost per staff

4.132763672
8.00935186
-1.931021537
-6.175387385
4.335328032
7.363865457
-1.687399454
-5.678114728
4.47175193
9.588934449
-1.6533898
-5.240048458
4.582236201
8.218198554
-1.667596827
-5.02068563
4.574756338
8.608542523
-1.67504367
-4.791499764
5.022257494
9.479308799
-1.806670082
-2.351775337
5.010301905
9.382697417
-1.759679576
-1.508688009
5.158882871
9.302955828
-1.687399454
-1.743540897
4.859579819
10.10756578
-1.995100393
-1.54975491
4.997820197
9.684196423
-1.870802677
-1.285544458
6.05161847
7.825231189
-2.116105526
-3.152386084
5.829409922
7.029317908
-1.993630885
-2.897698533
5.431675807
6.733975936
-2.664990712
-3.284748569
5.114852356
6.849165239
-2.933696883
-3.042823881
5.207951095
8.046047084
-2.034850658
-3.499913355
5.270555292
7.983749287
-1.967184859
-4.710530702
5.540019046
8.190828216
-2.115275995
-9.210340372
5.308563693
8.330240668
-1.974001029
-5.521460918
5.280591436
8.496893646
-1.936554054
-1.393117586
5.741658053
8.255999703
-1.52924137
-2.699338261
5.282870171
8.117959703
-2.306593114
-7.647994067
5.128789816
7.741064744
-2.024196067
-7.418580903
5.182076766
8.58827194
-2.521985658
-4.96184513
5.338956304
8.316272736
-2.105785517
-4.6940014
5.357694151
8.001055615
-1.863040671
-4.089357021
5.501472473
8.03628998
-1.359068375
-5.203007187
5.363980802
8.415967896
-1.431500954
-5.683979847
5.396210798
8.501657338
-1.322944046
-5.381698975
5.537796562
8.354492707
-1.130102956
-4.323757727
5.746448847
8.444501913
-1.399582255
-4.386034656
4.866871923
6.994694559
-2.760660151
-3.94506286
4.822965863
1022.464091
-2.809252707
-3.830443018
5.04869957
971.2136022
-3.083471188
-7.264430223
5.226630154
1429.219763
-3.157075424
-8.29404964
5.417403997
3745.890426
-2.645779875
-7.29341776
5.453427871
2613.590793
-2.489517262
-6.165817934
5.380908363
4145.911132
-2.268183666
-5.509038398
5.446003482
5104.839664
-2.149864006
-5.278514739
5.299150769
6917.479677
-2.001000115
-5.308367702
5.596158473
6989.829325
-2.006562896
-4.699480865
5.163053045
8.901584351
-0.628483667
-2.463928243
5.426068335
8.99321347
-1.161871628
-2.221005106
5.481252901
8.995429151
-1.646620704
-2.647896278
4.916663019
8.502970382
-2.109488463
-2.406835114
5.042253463
8.775674918
-2.155027529
-2.682382454
5.197463901
5.227162875
5.246457596
5.121397594
5.505231531
8.630187044
8.88439465
8.970032107
8.825414618
8.897732155
-2.214574216
-2.236797352
-2.210005912
-2.103734234
-1.36463855
-2.830217835
-9.210340372
-3.009831198
-3.186892779
-2.780620894
Real gdp growth MFI age

-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
1
1
1
1
1
1
1
1
1
1
0
0
0
1
1
1
1
1
1
1
0
0
0
0
1
1
1
1
1
1
0
0
0
0
0
0
1
1
1
1
1
1
1
1
1
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
1
1
1
1
1
Year
Bank
CUC
NGO
Other (Axibd)
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012

Borrower per staff
-1.43994011
-2.742641646
4.536789902
5.490077159
-1.40221273
-2.621413894
4.513829033
5.648220081
-1.33524284
-2.767800206
4.43145898
5.745719048
-1.17340741
-2.650725134
4.393052728
5.653794644
-1.18719657
-2.594275187
4.458612768
5.495699935
-1.25952862
-2.558768498
4.638828437
5.54591194
-1.26170111
-2.509609262
4.845141595
5.621006479
-1.19525475
-2.473373414
4.956370161
5.693772205
-1.20553876
-2.459238903
4.941084211
5.694946216
-1.13677159
-2.488914671
5.012114132
5.708517911
-1.40110632
-5.386056281
2.911556871
3.77389363
-1.4766568
-5.897245872
3.308661683
3.957880875
-1.45115293
-3.996492162
3.477707704
4.051310992
-1.49115215
-5.713832811
3.750184748
4.209626695
-1.57154335
-5.11599581
4.037531491
4.288431359
-1.65211073
-5.449140256
4.234676339
4.269220413
-1.67406133
-2.728763243
4.294255472
4.34240184
-0.25510872
-3.435788826
4.197855839
4.422806228
-1.74467886
-4.439655748
4.293921467
4.700331264
-1.79184969
-4.358310108
4.229130597
5.066285683
-1.36511639
-3.417326764
4.17424497
4.778596884
-1.38406153
-3.460947386
3.927312288
4.868641146
-1.30933591
-3.438899249
4.181639329
4.887223949
-1.38834029
-3.42651519
4.397065583
4.946487452
-1.40437195
-3.317315898
4.301082596
4.886159915
-1.19526486
-3.349554149
4.571593968
4.961387975
-1.45665018
-3.251915679
4.795578822
4.810566788
-1.48163118
-3.240354857
4.994556049
4.920679952
-1.22573113
-3.182061852
4.960197939
4.858081838
-0.96553505
-3.725543438
4.802120116
4.885112131
2.283013284
-1.705948813
6.316474918
0.182321557
2.586889366
-1.642477767
6.7321229
0.182321557
2.332054079
-2.24620476
6.809117118
-0.559665789
2.211429371
-1.875554207
5.782765067
0.336472237
1.924762529
-1.260155224
5.406208823
0.292669614
1.568481613
-1.411407062
5.53735549
-0.198450939
1.546620227
-1.603455841
5.533348666
-0.065071997
1.640682744
-1.435484605
4.504737324
0.21511138
1.834456741
-1.697176827
4.473791077
0.75612198
1.448861149
-1.812778836
4.926175578
0.371563556

Real gdp growth
MFI age
7.769953748
-1.621510494
-2.855970331
-7.402051601
7.801274258
-1.872752628
-2.662121269
-6.229721736
8.093930152
-2.184802057
-2.528231775
-4.565949473
7.914228891
-2.224698554
-2.553613848
-6.377127028
7.911658549
-2.394700382
-2.656406968
-3.608590623
7.958261802
-2.041760475
-2.483507629
-3.611918413
8.274348965
-2.669310373
-2.77900929
-5.899797359
8.557256185
-2.80016549
-2.722656353
-3.89910678
8.473440286
-2.840439389
-2.666428526
-3.216378945
8.569283483
-2.806766174
-2.434974281
-7.13089883
4.855645051
-1.805148706
-3.316764326
-7.402051601
5.502789283
-1.690344326
-3.255539809
-6.229721736
5.782203107
-1.873490051
-3.072181446
-4.565949473
6.058459126
-1.736703263
-3.408221997
-6.377127028
6.607061404
-1.434224895
-3.116770602
-3.608590623
6.663372436
-1.36335939
-3.445149269
-3.611918413
6.185955874
-1.468372472
-3.464137181
-5.899797359
8.282563293
-1.443923474
-3.186892779
-3.89910678
7.021888956
-1.444347293
-2.741090055
-3.216378945
7.287697978
-1.470545914
-2.38705425
-7.13089883
6.926154823
-1.591843604
-5.878135862
-7.402051601
7.040821155
-1.735001135
-4.160484365
-6.229721736
7.245723132
-1.880590683
-3.976561527
-4.565949473
7.401120127
-2.053384007
-4.461069842
-6.377127028
7.520640616
-1.899790213
-3.839702344
-3.608590623
7.632929241
-2.093134869
-2.966173471
-3.611918413
7.743288086
-2.047942875
-2.964233606
-5.899797359
7.883374192
-1.865298373
-2.909554577
-3.89910678
8.032189006
-1.804236991
-3.081290162
-3.216378945
8.322421681
-1.449234161
-2.977892355
-7.13089883
11.88302754
-1.791559489
-2.906989064
-7.402051601
12.15208408
-2.151582219
-2.525728644
-6.229721736
11.87571278
-2.120263536
-2.931818948
-4.565949473
12.12326367
-1.714798428
-2.48530673
-6.377127028
12.42172133
-1.897119985
-2.445301395
-3.608590623
12.44015462
-1.966112856
-2.366590423
-3.611918413
12.10106935
-2.207274913
-2.279845606
-5.899797359
12.20606042
-1.897119985
-2.382711137
-3.89910678
12.33258531
-2.407945609
-2.617295838
-3.216378945
12.22147677
-2.120263536
-2.315366427
-7.13089883
1
1
1
1
1
1
1
1
1
1
0
0
0
0
0
1
1
1
1
1
0
0
0
1
1
1
1
1
1
1
0
0
0
1
1
1
1
1
1
1
Year
Bank
CUC
NGO
Other (Axibd)
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
Spread
borrowing rate Average loan size
Borrower per staff
-1.75711489
-2.742641646
4.536789902
5.490077159
-1.75243156
-2.621413894
4.513829033
5.648220081
-1.6079676
-2.767800206
4.43145898
5.745719048
-1.43250085
-2.650725134
4.393052728
5.653794644
-1.46804546
-2.594275187
4.458612768
5.495699935
-1.57799851
-2.558768498
4.638828437
5.54591194
-1.60012189
-2.509609262
4.845141595
5.621006479
-1.52176203
-2.473373414
4.956370161
5.693772205
-1.54163637
-2.459238903
4.941084211
5.694946216
-1.43610162
-2.488914671
5.012114132
5.708517911
-1.54444637
-5.386056281
2.911556871
3.77389363
-1.5878232
-5.897245872
3.308661683
3.957880875
-1.48961252
-3.996492162
3.477707704
4.051310992
-1.50591995
-5.713832811
3.750184748
4.209626695
-1.60085315
-5.11599581
4.037531491
4.288431359
-1.6748036
-5.449140256
4.234676339
4.269220413
-2.10222649
-2.728763243
4.294255472
4.34240184
-0.29755431
-3.435788826
4.197855839
4.422806228
-1.81461212
-4.439655748
4.293921467
4.700331264
-1.87176658
-4.358310108
4.229130597
5.066285683
-1.50259919
-3.417326764
4.17424497
4.778596884
-1.51795856
-3.460947386
3.927312288
4.868641146
-1.43590781
-3.438899249
4.181639329
4.887223949
-1.52790843
-3.42651519
4.397065583
4.946487452
-1.56412423
-3.317315898
4.301082596
4.886159915
-1.31854678
-3.349554149
4.571593968
4.961387975
-1.638272
-3.251915679
4.795578822
4.810566788
-1.6706929
-3.240354857
4.994556049
4.920679952
-1.37815556
-3.182061852
4.960197939
4.858081838
-1.03091791
-3.725543438
4.802120116
4.885112131
2.264320737
-1.705948813
6.316474918
0.182321557
2.572220703
-1.642477767
6.7321229
0.182321557
2.321728182
-2.24620476
6.809117118
-0.559665789
2.194497022
-1.875554207
5.782765067
0.336472237
1.88250028
-1.260155224
5.406208823
0.292669614
1.516347451
-1.411407062
5.53735549
-0.198450939
1.50282625
-1.603455841
5.533348666
-0.065071997
1.59344884
-1.435484605
4.504737324
0.21511138
1.804763134
-1.697176827
4.473791077
0.75612198
1.409781912
-1.812778836
4.926175578
0.371563556

Real gdp growth
MFI age
7.769953748
-1.621510494
-2.855970331
-7.402051601
7.801274258
-1.872752628
-2.662121269
-6.229721736
8.093930152
-2.184802057
-2.528231775
-4.565949473
7.914228891
-2.224698554
-2.553613848
-6.377127028
7.911658549
-2.394700382
-2.656406968
-3.608590623
7.958261802
-2.041760475
-2.483507629
-3.611918413
8.274348965
-2.669310373
-2.77900929
-5.899797359
8.557256185
-2.80016549
-2.722656353
-3.89910678
8.473440286
-2.840439389
-2.666428526
-3.216378945
8.569283483
-2.806766174
-2.434974281
-7.13089883
4.855645051
-1.805148706
-3.316764326
-7.402051601
5.502789283
-1.690344326
-3.255539809
-6.229721736
5.782203107
-1.873490051
-3.072181446
-4.565949473
6.058459126
-1.736703263
-3.408221997
-6.377127028
6.607061404
-1.434224895
-3.116770602
-3.608590623
6.663372436
-1.36335939
-3.445149269
-3.611918413
6.185955874
-1.468372472
-3.464137181
-5.899797359
8.282563293
-1.443923474
-3.186892779
-3.89910678
7.021888956
-1.444347293
-2.741090055
-3.216378945
7.287697978
-1.470545914
-2.38705425
-7.13089883
6.926154823
-1.591843604
-5.878135862
-7.402051601
7.040821155
-1.735001135
-4.160484365
-6.229721736
7.245723132
-1.880590683
-3.976561527
-4.565949473
7.401120127
-2.053384007
-4.461069842
-6.377127028
7.520640616
-1.899790213
-3.839702344
-3.608590623
7.632929241
-2.093134869
-2.966173471
-3.611918413
7.743288086
-2.047942875
-2.964233606
-5.899797359
7.883374192
-1.865298373
-2.909554577
-3.89910678
8.032189006
-1.804236991
-3.081290162
-3.216378945
8.322421681
-1.449234161
-2.977892355
-7.13089883
11.88302754
-1.791559489
-2.906989064
-7.402051601
12.15208408
-2.151582219
-2.525728644
-6.229721736
11.87571278
-2.120263536
-2.931818948
-4.565949473
12.12326367
-1.714798428
-2.48530673
-6.377127028
12.42172133
-1.897119985
-2.445301395
-3.608590623
12.44015462
-1.966112856
-2.366590423
-3.611918413
12.10106935
-2.207274913
-2.279845606
-5.899797359
12.20606042
-1.897119985
-2.382711137
-3.89910678
12.33258531
-2.407945609
-2.617295838
-3.216378945
12.22147677
-2.120263536
-2.315366427
-7.13089883
1
1
1
1
1
1
1
1
1
1
0
0
0
0
0
1
1
1
1
1
0
0
0
1
1
1
1
1
1
1
0
0
0
1
1
1
1
1
1
1
Year
Bank
NBFI
NGO
Rural Bank
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2003
2004
2005
2006
2007
Spread
borrowing rate Average loan size
0.707925176
-3.280751229
6.45322802
-1.139344958
-3.244193633
6.556677377
-1.154468733
-3.21140381
5.849513053
-1.399471551
-3.206453305
5.792196036
-1.197176309
-3.130407177
5.914467445
-0.902508872
-3.191747157
5.99504801
-1.214480786
-3.134994341
6.202810193
-1.157766424
-3.123565645
6.01970909
-1.545081071
-2.937463365
6.090100132
-1.489757455
-3.028255465
6.190221984
-1.727429666
-2.673648774
5.284437407
-1.607156297
-2.553613848
4.296293039
-2.214391681
-2.831914188
4.418450079
-1.54791565
-2.90224193
4.190054169
-1.708783724
-2.772588722
5.465258307
-2.041362373
-2.360214206
5.331495769
-1.51217293
-2.43554522
4.920844033
-1.835444552
-2.402958067
5.28251827
-2.249741843
-2.500426461
5.622447605
-1.68272276
-2.498599977
4.574241321
-1.276285058
-2.462753845
4.275570482
-1.579998473
-2.753570716
4.673895671
-1.414318027
-2.810913837
4.786842491
-1.48923155
-2.815078774
4.915236297
-1.753759568
-2.592269168
5.089473941
-1.52329533
-2.402405428
4.474765621
-1.816001868
-2.499817263
4.771285152
-1.579637821
-2.301585593
4.906928112
-1.900592638
-2.451085101
4.868487904
-1.881940964
-2.481711759
5.109053396
-1.978108863
-2.526979426
3.954704461
-2.0540962
-2.54656931
4.003307984
-1.936294029
-2.882403588
4.14948896
-1.735465121
-2.662121269
4.601175478
-1.835266171
-2.44184716
4.524947979
-2.033479627
-2.420243136
4.64496605
-1.770645357
-2.429282746
4.90502203
-1.720772163
-2.357041279
4.842784178
-1.589135992
-2.425883309
5.209290337
-1.597563855
-2.360744007
4.861573779
-1.360431115
-3.709082161
5.452651965
-1.526331022
-3.399199379
5.259021314
-1.39644819
-2.825145973
5.212351808
-1.414936584
-2.909554577
5.32298845
-1.497858582
-2.670754416
5.621820087
Rural Bank
2008 -1.574858208
2009 -1.524036355
2010 -1.454656178
2011 -1.46862764
2012 -1.41202251
-2.518256629
-2.48410697
-2.633870803
-2.600991129
-2.930506489
5.42628274
5.643984772
5.692922662
5.627975107
5.548081816
Borrower per staff Operating cost per staff

4.132763672
8.00935186
-1.931021537
-6.175387385
4.335328032
7.363865457
-1.687399454
-5.678114728
4.47175193
9.588934449
-1.6533898
-5.240048458
4.582236201
8.218198554
-1.667596827
-5.02068563
4.574756338
8.608542523
-1.67504367
-4.791499764
5.022257494
9.479308799
-1.806670082
-2.351775337
5.010301905
9.382697417
-1.759679576
-1.508688009
5.158882871
9.302955828
-1.687399454
-1.743540897
4.859579819
10.10756578
-1.995100393
-1.54975491
4.997820197
9.684196423
-1.870802677
-1.285544458
6.05161847
7.825231189
-2.116105526
-3.152386084
5.829409922
7.029317908
-1.993630885
-2.897698533
5.431675807
6.733975936
-2.664990712
-3.284748569
5.114852356
6.849165239
-2.933696883
-3.042823881
5.207951095
8.046047084
-2.034850658
-3.499913355
5.270555292
7.983749287
-1.967184859
-4.710530702
5.540019046
8.190828216
-2.115275995
-9.210340372
5.308563693
8.330240668
-1.974001029
-5.521460918
5.280591436
8.496893646
-1.936554054
-1.393117586
5.741658053
8.255999703
-1.52924137
-2.699338261
5.282870171
8.117959703
-2.306593114
-7.647994067
5.128789816
7.741064744
-2.024196067
-7.418580903
5.182076766
8.58827194
-2.521985658
-4.96184513
5.338956304
8.316272736
-2.105785517
-4.6940014
5.357694151
8.001055615
-1.863040671
-4.089357021
5.501472473
8.03628998
-1.359068375
-5.203007187
5.363980802
8.415967896
-1.431500954
-5.683979847
5.396210798
8.501657338
-1.322944046
-5.381698975
5.537796562
8.354492707
-1.130102956
-4.323757727
5.746448847
8.444501913
-1.399582255
-4.386034656
4.866871923
6.994694559
-2.760660151
-3.94506286
4.822965863
1022.464091
-2.809252707
-3.830443018
5.04869957
971.2136022
-3.083471188
-7.264430223
5.226630154
1429.219763
-3.157075424
-8.29404964
5.417403997
3745.890426
-2.645779875
-7.29341776
5.453427871
2613.590793
-2.489517262
-6.165817934
5.380908363
4145.911132
-2.268183666
-5.509038398
5.446003482
5104.839664
-2.149864006
-5.278514739
5.299150769
6917.479677
-2.001000115
-5.308367702
5.596158473
6989.829325
-2.006562896
-4.699480865
5.163053045
8.901584351
-0.628483667
-2.463928243
5.426068335
8.99321347
-1.161871628
-2.221005106
5.481252901
8.995429151
-1.646620704
-2.647896278
4.916663019
8.502970382
-2.109488463
-2.406835114
5.042253463
8.775674918
-2.155027529
-2.682382454
5.197463901
5.227162875
5.246457596
5.121397594
5.505231531
8.630187044
8.88439465
8.970032107
8.825414618
8.897732155
-2.214574216
-2.236797352
-2.210005912
-2.103734234
-1.36463855
-2.830217835
-9.210340372
-3.009831198
-3.186892779
-2.780620894
Real gdp growth MFI age

-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
-3.194183212
-3.21140381
-2.985781943
-3.218875825
-3.381394754
1
1
1
1
1
1
1
1
1
1
0
0
0
1
1
1
1
1
1
1
0
0
0
0
1
1
1
1
1
1
0
0
0
0
0
0
1
1
1
1
1
1
1
1
1
-3.123565645
-3.729701449
-4.422848629
-3.649658741
-2.796881415
1
1
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Microfinance of Bangladesh Data

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Microfinance of Bangladesh Data

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Available Formats

Data provided by MIX via mixmarket.

Fiscal Year Gross Loan Portfolio (Median)

Financial expense / assets (Median)

Number of active borrowers (Median)

Borrowers per staff member (Median)

Operating expense / assets (Median)

Data provided by MIX via mixmarket.org

Fiscal Year Assets (Median) Gross Loan Portfolio (Median)

Financial expense / assets (Median)

Number of active borrowers (Median)

Borrowers per staff member (Median)

Operating expense / assets (Median)

Data provided by MIX via mixmarket.org

Credit Union / Cooperative

Gross Loan Portfolio

Financial expense / assets

Number of active borrowers

Borrowers per staff member

Operating expense / assets (Median)

Write-off ratio Administrative expense / assets

Number of active borrowers

Borrowers per staff member

Operating expense / assets

Portfolio at risk > 30 days

Financial revenue / assets

Administrative expense / assets

Capital /asset ratio

Stylized Facts 2003-2006 (A)

0.269819 0.213979 0.580387 0.17443 0.309654

Stylized Facts 2007-2009 (B)

-0.07037 0.058132 -0.22742 -0.21963 -0.11482

Stylized Facts 2010-2012 C

0.089741 0.231733 -0.01939 -0.05929 0.060697

0.15 0.397703 0.315728 0.789426

Rural Bank All

Total assets GDP Growth Inflation

Credit Union / Cooperative

Dummy Total assets

Gross Loan Portfolio

Financial expense / assets

Number of active borrowers

Borrowers per staff member

Operating expense / assets (Median)

Write-off ratio Administrative expense / assets

Capital /asset ratio

Financial revenue / assets

Credit Union / Cooperative

Financial revenue / assets

Financial revenue / assets

Gross Lending NPL rate

Gross Lending NPL rate

Gross Lending NPL rate

Gross Lending NPL rate

Financial revenue / assets

Credit Union / Cooperative

Financial revenue / assets

Financial revenue / assets

Financial revenue / assets

Gross Loan Portfolio

Lending rate Borrowing cost

Gross Loan Portfolio

Lending rate Borrowing cost

Gross Loan Portfolio

Lending rate Borrowing cost