Vision
Vision
Vision
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Key Figures<br />
2010 2009 2008<br />
Number of Borrowers 238,535 224,708 226,262<br />
Operating Provinces 15 14 14<br />
Operating Districts 100 91 75<br />
Operating Villages 5,409 4,708 3,490<br />
% of Woman Borrowers 84% 84% 83%<br />
Total Staff 1,288 964 768<br />
Total Assets<br />
KHR 354,237Million<br />
(US$ 87,401Thousand)<br />
KHR 296,293 Million<br />
(US$ 71,070 Thousand)<br />
KHR 284,436 Million<br />
(US$ 69,677 Thousand)<br />
Loan Portfolio*<br />
KHR 270,119 Million<br />
(US$ 66,647 Thousand)<br />
KHR 221,570 Million<br />
(US$ 53,147 Thousand)<br />
KHR 222,641 Million<br />
(US$ 54,555 Thousand)<br />
Equity plus Quasi<br />
Equity**<br />
KHR 90,284 Million<br />
(US$22,275 Thousand)<br />
KHR 71,256 Million<br />
( US$ 17,092 Thousand)<br />
KHR 59,687 Million<br />
(US$ 14,626 Thousand)<br />
Net Income / Average<br />
Total Assets<br />
Net Income / Net<br />
Financial Income<br />
Operational Self-<br />
Sufficiency***<br />
Financial Self-<br />
Sufficiency ****<br />
6.4% 4.4% 6.5%<br />
31.1% 22.05% 31.6%<br />
142% 125% 145%<br />
136% 119% 139%<br />
Net Financial<br />
Income<br />
KHR 64,372 Million<br />
(US$15,883 Thousand)<br />
KHR 62,005 Million<br />
(US$ 14,873 Thousand)<br />
KHR 46,032 Million<br />
(US$ 11,279 Thousand)<br />
Salary / Net<br />
Financial Income<br />
Borrowers per<br />
Credit Agent<br />
24.7% 21% 20%<br />
398 511 540<br />
Average Loans<br />
Portfolio Per<br />
Credit Agent<br />
KHR 387.03 Million<br />
(US$ 95 Thousand)<br />
KHR 503.57 Million<br />
(US$ 121Thousand)<br />
KHR 410.30 Million<br />
(US$ 101 Thousand)<br />
Portfolio-at-Risk > 30<br />
days*****<br />
0.63% 3.71% 0.49%<br />
Average Amount<br />
Per Group Loan<br />
KHR 0.78 Million<br />
(US$ 0.19 Thousand)<br />
KHR 0.76 Million<br />
(US$ 0.18 Thousand)<br />
KHR 0.65 Million<br />
(US$ 0.16 Thousand)<br />
Average Amount Per<br />
Individual Loan<br />
KHR 2.79 Million<br />
(US$ 0.69 Thousand)<br />
KHR 2.18 Million<br />
(US$ 0.52 Thou<br />
sand)<br />
KHR 2.40 Million<br />
( US$ 0.59 Thousand)<br />
Exchange rate KHR 4,053 per US$ KHR 4,169 per US$ KHR 4,081 per US$<br />
Note:<br />
* Loan Portfolio: Gross loan outstanding.<br />
** Equity plus Quasi Equity: Total equity includes subordinated debt.<br />
*** Operational Self-Sufficiency: Measures how well an MFI covers its costs through operating revenues.<br />
Formula: Financial Income/ (Financial expense+ Operational expense+ Loan loss provision)<br />
**** Financial Self-Sufficiency: Measures how well an MFI can cover its cost, taking into account a number of adjustments to operating revenues and<br />
expense. The purpose of most of these adjustments is to model how well the MFI could cover its costs if its operations were unsubsidized and it was<br />
funding its expansion with commercial-cost liabilities.<br />
Formula: Financial Income/ (Financial expense + Operational expense+ Loan loss provision + (Average Equity-Average Fixed Asset)*Inflation Rate<br />
- ***** Portfolio-at-Risk > 30 days: (Portfolio at risk >30 days to 365 days (of overdue principle) + Restructure loan) / gross loan portfolio.<br />
Microfinance Institution “Amret”
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