Description
2004
2005
2006
2007
2008
6/2009
Sustainablility and Profitability
Operational Self-Sufficiency (OSS)
116%
138%
171%
177%
177%
180%
Financial Self-Sufficiency (FSS)
90%
118%
143%
120%
123%
124%
Return on Assets (ROA)*
1.5%
3.9%
7.9%
8.9%
9.4%
10.0%
Adjusted Return on Assets (AROA)*
-1.2%
2.1%
5.7%
3.5%
4.0%
4.4%
Return on Equity (ROE)*
2.4%
6.4%
13.3%
15.4%
16.4%
18.5%
Adjusted Return on Equity (AROE)*
-1.9%
3.5%
9.6%
6.0%
6.9%
8.2%
Asset/Liability Management
Yield on Gross Portfolio*
28.4%
30.7%
32.2%
31.5%
32.1%
32.5%
Portfolio to Assets
41.3%
50.2%
55.9%
63.0%
66.2%
69.0%
Cost of Funds Ratio*
10.4%
11.0%
10.7%
10.8%
11.0%
12.5%
Adjusted Cost of Funds*
10.4%
11.0%
10.7%
10.8%
11.0%
12.5%
Debt to Equity
0.61x
0.67x
0.69x
0.75x
0.80x
0.89x
Adjusted Debt to Equity
0.61x
0.67x
0.69x
0.74x
0.80x
0.88x
Liquid Ratio
1.33x
1.07x
1.36x
1.01x
1.12X
1.05x
Portfolio Quality
Portfolio at Risk (PAR) Ratio
0.35%
0.24%
0.27%
0.14%
0.06%
0.11%
Adjusted PAR Ratio
0.35%
0.24%
0.27%
0.14%
0.06%
0.11%
Write-off Ratio*
0.1%
0.0%
0.0%
0.0%
0.0%
0.1%
Adjusted Write-off Ratio*
0.1%
0.0%
0.0%
0.0%
0.0%
0.1%
Risk Coverage Ratio
0.14x
1.91x
4.78x
13.55x
42.34x
25.07x
Adjusted Risk Coverage Ratio
0.14x
1.91x
4.78x
13.55x
42.34x
25.07x
Efficiency and Productivity
Operating Expense Ratio*
13.9%
12.6%
12.1%
10.9%
10.9%
9.9%
Adjusted Operating Expense Ratio*
13.9%
12.6%
12.1%
10.9%
10.9%
9.9%
Cost per Active Client*
165
126
110
110
123
123
Adjusted Cost per Active Client*
165
126
110
110
123
123
Borrowers per Loan Officer
176
214
245
248
261
294
Active Clients per Staff Member
107
145
172
179
188
209
Client Turnover
32%
29%
41%
35%
31%
46%
Average Outstanding Loan Size
1,182
899
941
1,065
1,174
1,289
Adjusted Average Outstanding Loan Size
1,182
899
941
1,065
1,174
1,289
Average Loan Disbursed
1,283
1,045
1,023
1,183
1,327
1,486
Gender Ratios
Female active clients as % of total active clients
46%
62%
62%
60%
60%
61%
DBACD Performace Ratios