Description
2005
2006
2007
2008
2009
2010
2011
Sustainablility and Profitability
Operational Self-Sufficiency (OSS)
138%
171%
177%
177%
170%
184%
191%
Financial Self-Sufficiency (FSS)
118%
143%
120%
123%
119%
108%
127%
Return on Assets (ROA)*
3.9%
7.9%
8.9%
9.4%
9.2%
10.1%
11.0%
Adjusted Return on Assets (AROA)*
2.1%
5.7%
3.5%
4.0%
3.6%
1.7%
4.8%
Return on Equity (ROE)*
6.4%
13.3%
15.4%
16.4%
16.5%
17.5%
17.2%
Adjusted Return on Equity (AROE)*
3.5%
9.6%
6.0%
6.9%
6.4%
3.0%
7.5%
Asset/Liability Management
Yield on Gross Portfolio*
30.7%
32.2%
31.5%
31.4%
32.9%
32.4%
32.9%
Portfolio to Assets
50.2%
55.9%
63.0%
66.2%
67.4%
69.4%
66.2%
Cost of Funds Ratio*
11.0%
10.7%
10.8%
10.5%
12.1%
10.1%
10.9%
Adjusted Cost of Funds*
11.0%
10.7%
10.8%
10.5%
12.1%
11.0%
11.0%
Debt to Equity
0.67x
0.69x
0.75x
0.80x
0.80x
0.66x
0.47x
Adjusted Debt to Equity
0.67x
0.69x
0.74x
0.80x
0.80x
0.66x
0.47x
Liquid Ratio
1.07x
1.36x
1.01x
1.12X
1.00x
1.26x
1.73
Portfolio Quality
Portfolio at Risk (PAR) Ratio
0.24%
0.27%
0.14%
0.06%
0.12%
0.12%
0.88%
Adjusted PAR Ratio
0.24%
0.27%
0.14%
0.06%
0.12%
0.12%
0.88%
Write-off Ratio*
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.1%
Adjusted Write-off Ratio*
0.0%
0.0%
0.0%
0.0%
0.1%
0.1%
0.1%
Risk Coverage Ratio
1.91x
4.78x
13.55x
42.34x
24.50x
24.48x
4.05x
Adjusted Risk Coverage Ratio
1.91x
4.78x
13.55x
44.74x
80.28x
60.89x
4.05x
Efficiency and Productivity
Operating Expense Ratio*
12.6%
12.1%
10.9%
10.7%
10.6%
11.2%
11.7%
Adjusted Operating Expense Ratio*
12.6%
12.1%
10.9%
12.0%
10.6%
11.2%
11.7%
Cost per Active Client*
126
110
110
120
129
151
168
Adjusted Cost per Active Client*
126
110
110
120
129
151
168
Borrowers per Loan Officer
214
245
248
261
262
256
242
Active Clients per Staff Member
145
172
179
188
187
180
166
Client Turnover
29%
41%
35%
30%
32%
32%
29%
Average Outstanding Loan Size
899
941
1,065
1,174
1,264
1.424
1,453
Adjusted Average Outstanding Loan Size
899
941
1,065
1,174
1,263
1.428
1,453
Average Loan Disbursed
1,045
1,023
1,183
1,327
1,479
1.662
1,707
Gender Ratios
Female active clients as % of total active clients
62%
62%
60%
60%
56%
 54%
55%
DBACD Performace Ratios