SKS India

COMING SOON
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Program Highlights

Summary Operational & Financial Indicators

Heads		Mar-04	Mar-05	Jun-05
Total Branches		11	26	29
Total Sangams (Centers)		928	2,518	2,940
Total Clients		30,763	86,869	1,01,085
Total Loan Clients		24,800	73,635	87,050
Total Loans Outstanding	USD	2,691,744	7,696,793	9,184,595
Total Loans Outstanding	Rupees	116,821,680	335,580,180	399,621,748
Average Loan Outstanding per Loan Client	USD	109	104.5	105.5
Average Loan Outstanding per Loan Client	Rupees	4,711	4,557	4,591
Portfolio-At-Risk > 30 Days (%) [2]		0.0%	5.0%	3.89%
Total Savings	USD	191,207	267,683	295,262
Total Savings	Rupees	8,298,398	11,670,997	12,846,836
Average Savings per Client	USD	6.2	3.1	3
Average Savings per Client	Rupees	270	134	127
Total Assets	USD	4,042,091	9,081,185	10,535,889
Total Assets	Rupees	175,426,744	395,939,671	458,416,538
Total Equity	USD	N/A	100,457	253,440
Total Equity	Rupees	N/A	4,379,912	11,027,208
Operating Self-Sufficiency (OSS) [3]		99.7%	103%	139%
Administrative Efficiency[4](annualized)		17.5%	13.7%	10.06%
Clients per Field Staff		277	460	498

1. Figures of year March 2004 were converted at a rate of 43.4 rupees per US$, for March 2005 @ 43.6 rupees per US$ and for June 2005 is @ 43.5 rupees per US$.

2. Portfolio-At-Risk % represents the remaining outstanding balance of loans with arrears > 30 days as a % of total loans outstanding.

3. OSS indicates the % of total actual operating costs (admin, loan loss provision, and interest) that is covered by income from operations (e.g. income earned on the loan portfolio). When SKS reaches 100%, its break even for the organization.

4. Admin, Efficiency measures how much it costs to keep a dollar outstanding in the hands of our clients.