Tracking Financial Performance Standards of ... - Sa-Dhan

Tracking Financial Performance Standards of Microfinance Institutions5.1.1.7 Impact on Various Scenarios on PARType of LoansValue of LoansOutstandingSituation 1 – Base CasePercentage ofPortfolioPortfolio atProvisionRateProvisionAmountRiskCurrent Loans 100,000 59.17% - 0% -Loans < 30 Days Due 10,000 5.92% 5.92% 10% 1,000Loans 31 - 60 Days Due 10,000 5.92% 5.92% 25% 2,500Loans 61 - 90 Days Due 10,000 5.92% 5.92% 50% 5,000Loans 91 - 180 Days Due 10,000 5.92% 5.92% 75% 7,500Loans 181 - 365 Days Due 20,000 11.83% 11.83% 90% 18,000Loans > 365 Days Due 9,000 5.33% 5.33% 100% 9,000Total 169,000 100.00% 40.83% - 43,000PAR (Unadjusted) 40.83%Provision Amount 43,000.PAR (Adjusted) 40.83%Type of LoansSituation 2 - Loans greater than 365 days over due Re-scheduledValue of LoansOutstandingPercentage ofPortfolioPortfolio atProvisionRateProvisionAmountRiskCurrent Loans 109,000 64.50% - 0% -Loans < 30 Days Due 10,000 5.92% 5.92% 10% 1,000Loans 31 - 60 Days Due 10,000 5.92% 5.92% 25% 2,500Loans 61 - 90 Days Due 10,000 5.92% 5.92% 50% 5,000Loans 91 - 180 Days Due 10,000 5.92% 5.92% 75% 7,500Loans 181 - 365 Days Due 20,000 11.83% 11.83% 90% 18,000Loans > 365 Days Due - 0.00% 0.00% 100% -Total 169,000 100.00% 35.50% - 34,000PAR (Unadjusted) 35.50%Provision Amount 34,000Re-scheduled Amount 9,000PAR (Adjusted) 40.83%80