MICROBANKING BULLETIN - Microfinance Information Exchange

BULLETIN HIGHLIGHTS AND TABLESOPERATIONALSELF-SUFFICIENCYoperating income /interest, loan loss andadministrative expense(%)FINANCIAL SELF-SUFFICIENCYadj. operating income /interest, adjustment,loan loss andadministrative exp. (%)OPERATINGINCOMEadj. operatingincome / avg. totalassets(%)PROFITMARGINadj. net operatingincome / adj.operating income(%)NETINTERESTMARGINadj. net interestmargin /avg. total assets(%)PORTFOLIOYIELDinterest incomefrom portfolio /avg. loan portfolio(%)REALYIELD(portfolio yield –inflation rate) /(1 + inflation rate)(%)106.6 91.8 29.3 -13.5 19.5 39.9 28.721.6 17.4 9.5 25.1 7.6 12.7 11.792 92 92 92 92 92 92129.7* 112.4* 32.5 8.1* 22.1 42.4 29.631.4 24.0 12.1 14.2 9.8 18.4 15.963 63 63 63 63 63 63112.3 108.4* 30.7 7.5* 20.2 37.1 28.810.4 6.3 4.5 5.5 2.4 7.8 3.89 9 9 9 9 9 9106.4 94.7 40.4* -9.0 27.5* 51.7* 35.722.2 16.0 9.8 22.7 8.1 14.8 12.011 11 11 11 11 11 11123.1* 102.4 41.8* 0.1 29.1* 59.6* 45.2*22.9 16.7 5.9 15.5 4.8 21.0 8.211 11 11 11 11 11 11103.4 84.8 47.3* -18.4 29.4* 66.6* 47.6*6.4 6.4 5.8 9.4 1.1 10.9 6.43 3 3 3 3 3 3134.6* 109.9* 27.7 8.2* 10.9* 30.7* 7.3*14.2 10.6 8.6 9.2 2.0 9.0 12.99 9 9 9 9 9 9121.7 105.0 23.1 2.9 8.9* 24.4* 11.7*21.9 17.5 4.0 17.2 4.6 1.1 5.53 3 3 3 3 3 3116.9 103.7 33.6 2.9 27.5 46.2 38.57.9 10.2 5.9 9.4 7.3 2.1 5.63 3 3 3 3 3 392.5 70.7* 14.9* -54.5* 8.6* 21.6* 10.8*22.3 20.9 5.5 52.6 5.1 8.5 7.17 7 7 7 7 7 773.0* 66.3* 32.2 -57.4* 25.1 60.9* 46.6*16.6 15.0 12.7 33.7 11.1 13.6 9.87 7 7 7 7 7 775.6* 73.9* 21.8 -43.3* 19.7 35.2 31.318.6 19.0 7.2 42.4 9.6 12.2 7.74 4 4 4 4 4 4134.1* 119.6* 20.3 7.9 13.8 28.7 22.341.9 43.4 5.3 32.5 6.8 7.7 2.14 4 4 4 4 4 457.2* 51.2* 18.1* -99.2* 15.2 39.5 30.811.7 8.1 4.9 33.8 5.1 5.6 5.84 4 4 4 4 4 4105.7 89.1 19.8* -14.1 12.2* 27.5* 12.6*20.1 12.0 4.8 17.3 4.0 4.7 1.95 5 5 5 5 5 5103.5 87.2 27.4 -14.8 20.1 30.9 19.2*6.1 3.2 3.3 4.2 2.5 2.9 4.36 6 6 6 6 6 6MICROBANKING BULLETIN, SEPTEMBER 2000 43