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Ratio Analyses Sno. Ratio Formula Interpretation Indicates amount of loan payments past due Measures amount of default risk in portfolio. Indicates the financial productivity of credit services and investment activities.
Ratio Analyses Sno. Ratio Formula Interpretation Indicates amount of loan payments past due Measures amount of default risk in portfolio. Indicates the financial productivity of credit services and investment activities.
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Ratio Analyses Sno. Ratio Formula Interpretation Indicates amount of loan payments past due Measures amount of default risk in portfolio. Indicates the financial productivity of credit services and investment activities.
Hak Cipta:
Attribution Non-Commercial (BY-NC)
Format Tersedia
Unduh sebagai DOC, PDF, TXT atau baca online dari Scribd
Value 1. Portfolio Quality Ratio a Arrears Rate Payment in 0.00% Indicates amount of loan arrears/Value of payments past due loan Outstanding b Portfolio at Balance of loans 0.00% Measures amount of risk in arrears/ value default risk in portfolio of loan Outstanding c Loan loss rate Amount written 0.00% Indicates the extent of off/average loan uncollectible loans over outstanding the last period d Loan loss Loan loss reserve/ 1.80% Indicates adequacy of reserve value of loans reserve in relation to outstanding portfolio 2. Efficiency Ratios a No. of active No. of active 104 Indicates performance of loan clients per borrower/ No. of staff and efficiency of staff staff methodology b No. of active No. of active 150 Indicates performance of loan clients per borrower/ No. of loan officer and loan officer loan officer efficiency of methodology c Operating cost Operating 53.45% Indicator of efficiency of ratio expenses/Avg. GK (lending institution) performing assets 3.Profitability Ratios a Return on Financial -1.91% Indicates the financial assets income/ average productivity of credit assets services and investment activities. b Cost per unit of Operating costs/ 0.26 Indictes efficiency in money lent total amount disbursing loans (in disbursed monetary terms) c Operational self Financial 75.96% Shows ability of GK to sufficiency income/(financial cover costs of operation & operating cost with internally generated + provision ) income