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Programs & Service
Job's of IDF
Annual Report
Financial Data > Outreach & Impact
 
30/06/14
30/06/14
30/06/13
30/06/12
30/06/11
Exchange Rate used for Conversion
79
BDT
79
BDT
80
BDT
80
BDT
72
BDT
Balance Sheet
Gross Loan Portfolio (in US$)
13,443,111
13,443,111
10,705,769
9,295,588
8553210
Total Assets  (in US$)
18,384,353
18,384,353
14,299,322
11,927,315
11655148
Savings  (in US$)
6,177,851
6,177,851
5,111,661
4,316,818
Total Equity  (in US$)
3,087,016
3,087,016
2,724,371
,530,816
Financing Structure
Capital / Asset Ratio
16.79 %
16.79%%
19.05%
21.22%%
%
Debt / Equity Ratio
193.06 %
193.06%%
150.74%
117.72%%
%
Deposits to Loans
45.96 %
45.96%%
47.75%
46.44%%
%
Deposits to Total Assets
33.60 %
33.60%%
35.75%
36.19%%
%
Gross Loan Portfolio /Total Assets
73.12 %
73.12%%
74.87%
77.94%%
%
Overall Financial Performance
Return on Assets (%)
17.00 %
17%%
18.24%
19.53%%
%
Return on Equity (%)
101.22 %
101.22%%
95.73%
92.06%%
%
Operational Self-Sufficiency (%)
%
%
%
126.27%
%
Revenues
Financial Revenue Ratio (%)
25.73 %
25.75%%
26.08%
27.42%%
%
Profit Margin (%)
10.31 %
10.31%%
6.67%
20.80%%
%
Expenses
Total Expense Ratio (%)
%
%
%
15.47%
%
Financial Expense Ratio (%)
6.28 %
6.28%%
5.59%
6.40%%
%
Loan Loss Provision Expense Ratio (%)
0.73 %
0.73%%
2,09%
0.70%%
%
Operating Expense Ratio (%)
15.69 %
15.69%%
18.25%
14.88%%
%
Efficiency
Operating Expense / Loan Portfolio (%)
14.17 %
14.17%%
17.05%
13.60%%
%
Cost per Borrower-US$
20.72
20.72
22.27
16.95
Productivity
Borrowers per Staff member
182.05
182.05
176.63
190.23
Savers per Staff member
206.29
206.29
213.86
234.44
Risk
Portfolio at Risk > 30 days Ratio (%)
%
%
%
4.29%
%
Loan Loss Reserve Ratio (%)
4.16 %
4.16%%
4.50%
6.05%%
%
Risk Coverage Ratio (%)
164.95 %
164.95%%
204.53%
141.09%%
%
Write Off Ratio (%)
0.00 %
0%%
0%
0%%
%
DISCLOSURE INFORMATION
 
2014
2014
2013
2012
2011
Audited financial statements
2014
2014
2013
2012
Audit Firm
B. Alam & Co.
B. Alam & Co.
B.Alam & Co
Zoha Zaman Kabir Rashid & Co.
Compliance with CGAP disclosure guidelines

All ratios are calculated from US dollar conversion of local currency financial information. As a different exchange rate is applied to each end of year data set, the resulting ratio can differ from those calculated from the local currency financial information. All ratios are calculated from US dollar conversion of local currency financial information. As a different exchange rate is applied to each end of year data set, the resulting ratio can differ from those calculated from the local currency financial information.