Tracking Financial Performance Standards of ... - Sa-Dhan
Tracking Financial Performance Standards of ... - Sa-Dhan
Tracking Financial Performance Standards of ... - Sa-Dhan
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<strong>Tracking</strong> <strong>Financial</strong> <strong>Performance</strong> <strong>Standards</strong> <strong>of</strong> Micr<strong>of</strong>inance InstitutionsCalculation <strong>of</strong> Portfolio at Risk by AgeLook at the aging analysis <strong>of</strong> loans in the table below (bottom part <strong>of</strong> Table 13)Sl.NoAging Analysis <strong>of</strong> Outstanding Loans for Year Ending March 2003Type <strong>of</strong> LoanI II III IV V VI VIIP16 Regular Loans 2810 128,000 76.19 % 0% -P17 Less than 30 Days past due 400 17,500 10.42 % 10% 1,750P18 Between 31- 60 days past due 150 10,000 5.95 % 25% 2,500P19 Between 61- 90 days past due 120 5,000 2.98 % 50% 2,500P20 Between 91- 180 days past due 50 3,500 2.08 % 75% 2,625P21 Between 181- 365 days past due 40 2,500 1.49 % 90% 2,250P22 > 365 days past due 30 1,500 0.89 % 100% 1,500P23 Total 3,600 168,000 100.00% - 13,125PAR > =1 day (past due) is sum <strong>of</strong>PAR < 30 days (past due) – 10.42% (Row P 17, Column V) PLUS (+)PAR 31 – 60 days (past due) – 5.95% (Row P 18, Column V) PLUS (+)PAR 61 – 90 days (past due) – 2.98% (Row P 19, Column V) PLUS (+)PAR 91 – 180 days (past due) – 2.08% (Row P 20, Column V) PLUS (+)PAR 181 – 365 days (past due) – 1.49% (Row P 21, Column V) PLUS (+)PAR > 365days (past due) – 0.89% (Row P 22, Column V)= 10.42%+ 5.95% + 2.98% + 2.08% + 1.49% + 0.89% = 23.81% for the year 2003Similarly, PAR > 30 days (past due) is sum <strong>of</strong>PAR 31 – 60 days (past due) – 5.95% (Row P 18, Column V) PLUS (+)PAR 61 – 90 days (past due) – 2.98% (Row P 19, Column V) PLUS (+)PAR 91 – 180 days (past due) – 2.08% (Row P 20, Column V) PLUS (+)PAR 181 – 365 days (past due) – 1.49% (Row P 21, Column V) PLUS (+)PAR > 365days (past due) – 0.89% (Row P 22, Column V)= 5.95% + 2.98% + 2.08% + 1.49% + 0.89% = 13.39%Likewise, PAR > 60 days (past due) is sum <strong>of</strong>PAR 61 – 90 days (past due) – 2.98% (Row P 19, Column V) PLUS (+)PAR 91 – 180 days (past due) – 2.08% (Row P 20, Column V) PLUS (+)PAR 181 – 365 days (past due) – 1.49% (Row P 21, Column V) PLUS (+)PAR > 365days (past due) – 0.89% (Row P 22, Column V)= 2.98% + 2.08% + 1.49% + 0.89% = 7.44%Similarly, PAR > 90 days (past due) is 4.46%Similarly, PAR > 180 days (past due) is 2.38%Similarly, PAR > 365 days (past due) is 0.89%OutstandingNo. <strong>of</strong> Loans Value <strong>of</strong>Loans(IV) as a % <strong>of</strong>Total LoanOutstandingProvisionRateProvisionAmount76
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