Amret Microfinance Institution - Financial Performance
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Financial Performance

 

FS 
    Description Dec 2015  
December 2014  
Number of Borrowers
 307,375
304,211
Operating Province
25   
 25
Operating Districts
194  
186
Operating Village
11,849 
11,048
% of Women Borrowers
77.2%
78.6%
Staff
3,459
2,900
Total Assets
KHR 1,938,675 Million
KHR 1,406,152 Million
Loan Portfolio [1]
KHR 1,666,219 Million
KHR 1,171,700 Million
Equity plus Quasi Equity [2]
KHR 324,800 Million
KHR 243,509 Million   
Net Income /Average Total Assets
5.8%
6.1%
Net Income / Net Financial Income
36.7%
35.7%
Operational Self-Sufficiency [3]
150.1%
148.3%
Financial Self-Sufficiency [4]
142.8%
141.0%
Net Financial Income
KHR 263,233 Million
KHR 209,591 Million
Salary and other benefits/ Net Financial Income
29.9%
29.9%
Borrowers per Credit Agent
236
274
Average Loan Outstanding Per Credit Agent
KHR 1,282 Million
KHR 929 Million
Portfolio at risk >30 days [5](Total value of all principal outstanding on loans with late repayments)
0.17%
0.07%
Average amount per SC loan
KHR 1.40 Million
KHR 1.23 Million
Average amount per IC loan
KHR 9.89 Million
KHR 7.50 Million
Exchange Rate
KHR 4,050 per USD
KHR 4,075 per USD 
Net Income
KHR 96,554 Million
KHR 74,869 Million 


FINANCIAL STATEMENTS FOR THE YEAR END 31 DECEMBER 2014 download

FINANCIAL STATEMENTS FOR THE YEAR END 31 DECEMBER 2013 download

FINANCIAL STATEMENTS FOR THE YEAR END 31 DECEMBER 2012 download

FINANCIAL STATEMENTS FOR THE YEAR END 31 DECEMBER 2011 download

FINANCIAL STATEMENTS FOR THE YEAR END 31 DECEMBER 2010 download

FINANCIAL STATEMENTS FOR THE YEAR END 31 DECEMBER 2009 download

FINANCIAL STATEMENTS FOR THE YEAR END 31 DECEMBER 2008 download

FINANCIAL STATEMENTS FOR THE YEAR END 31 DECEMBER 2007 download

FINANCIAL STATEMENTS FOR THE YEAR END 31 DECEMBER 2006 download

 

 Note:

[1] Loan Portfolio: Gross Loan Outstanding
[2] Equity plus Quasi Equity: Total Equity includes Subordinated Debt
[3] Operational Self-Sufficiency = Financial Income / (Financial Expense + Operational Expense + Loan Loss Provision)
[4] Financial Self-Sufficiency = Financial Income / (Financial Expense + Operational Expense + Loan Loss Provision+(Average Equity - Average Fixed Asset) * Inflation Rate)
[5] Portfolio-at-Risk > 30 Days = (Portfolio at Risk >30 Days to 365 Days (of overdue principle) + Restructure Loan) / Gross Loan Portfolio