Average loan

Average balance per

deposit Average loan borrower / Financial Financial
balance per balance per GNI per Capital/asset Cost per Debt to equity expense/ revenue/
Name depositor borrower capita ratio borrower ratio Deposits assets assets
Adhikar — 144 13.97% 12.34% 12 7.1 0 9.17% 19.95%
AML — 235 22.79% 11.09% 13 8.02 0 9.06% 21.41%
Arohan — 116 11.22% 13.67% 14 6.31 0 9.48% 25.21%
ASA India — 127 12.30% 33.16% 10 2.02 2,499,108 3.17% 19.68%
Asirvad — 99 9.61% 24.06% 11 3.16 0 8.47% 31.11%
Asomi 29 117 11.33% 40.15% 30 1.49 1,180,261 2.74% 20.20%
AWS 4 162 15.67% 17.70% 10 4.65 69,602 10.27% 15.59%
Bandhan — 144 13.99% 10.45% 7 8.57 53,885,246 6.74% 17.34%
BASIX — 155 14.99% 14.15% 26 6.07 29,468,474 7.18% 22.55%
BFL — 117 11.34% 13.48% 5 6.42 0 8.57% 14.30%
BISWA — 193 18.68% 18.28% 8 4.47 0 8.58% 19.16%
BJS — 91 8.85% 3.94% 15 24.4 0 9.87% 29.25%
BSS — 141 13.64% 15.72% 15 5.36 0 6.47% 20.37%
BWDC 19 108 10.47% 10.50% 7 8.52 215,802 10.61% 22.17%

Cashpor MC— 143 13.81% 3.56% 15 27.13 0 9.79% 26.33%

Chaitanya — 141 13.67% 97.53% 69 0.03 0 0.00% 11.25%
CReSA — 157 15.25% 23.17% 18 3.32 0 9.72% 21.89%
Disha — 86 8.31% 9.03% 19 10.07 0 11.24% 24.46%
Equitas — 151 14.67% 36.45% 13 1.74 0 7.25% 21.70%
ESAF — 157 15.23% 17.97% 19 4.56 0 8.73% 22.00%
FFSL — 211 20.39% 13.36% 9 6.49 0 8.44% 20.47%
GFSPL — 208 20.16% 16.40% 18 5.1 0 9.89% 23.26%
GOF — 90 8.67% 36.47% 19 1.74 0 8.38% 25.51%

Grama Vidiyal
— Microfinance Ltd.
174 16.88% 11.97% 17 7.35 0 9.60% 26.77%

Grameen Sahara
— 146 14.14% — — — — — —
GSGSK — 118 11.45% 10.85% — 8.21 0 9.24% 11.33%
GTFS — 158 15.33% 28.11% 23 2.56 0 6.83% 23.13%
GU 43 134 13.01% 5.58% 8 16.92 4,020,508 9.06% 15.19%
HiH — 110 10.64% 39.41% 65 1.54 0 7.26% 11.25%
ICNW 5 9 0.88% 37.20% — 1.69 1,197,854 4.21% 12.81%

IDF Financial
— Services 100 9.67% 24.02% 6 3.16 0 7.89% 17.04%

India's Capital
— Trust Ltd 154 14.94% 49.37% 54 1.03 0 2.98% 33.21%

Indur MACS— 180 17.40% 18.64% 12 4.37 0 7.93% 12.75%

Janalakshmi—Financial Services181
Pvt. Ltd.17.57% 39.48% 41 1.53 1,982,760 7.51% 19.49%
Janodaya — 156 15.08% 15.90% 25 5.29 0 9.64% 23.24%
JFSL — 84 8.11% 7.07% 9 13.14 876,132 8.33% 20.18%
KBSLAB 67 283 27.36% 10.68% 35 8.36 16,582,162 8.34% 19.47%
KOPSA — 160 15.54% 99.69% 16 0 0 5.89% -15.65%
Kotalipara 14 73 7.09% 19.41% — 4.15 1,311,081 7.60% 33.02%

Mahasemam 11 107 10.32% 6.57% 34 14.21 3,887,680 9.79% 39.32%

Mahashakti 40 128 12.41% 7.03% 9 13.23 65,452 9.21% 17.29%

Mimo Finance
— 146 14.18% 17.44% 22 4.73 0 8.63% 26.84%
MMFL — 132 12.83% 27.31% 3 2.66 0 8.41% 19.09%
Nano — 534 51.68% 62.32% 69 0.6 0 28.64% 65.04%
NBJK 17 129 12.48% 57.02% 13 0.75 168,948 3.69% 21.37%
NCS — 140 13.58% 2.59% 19 37.61 0 10.88% 26.31%
NEED — 143 13.86% 10.97% 14 8.12 740,063 8.54% 21.84%
Nidan — 131 12.71% 2.21% 0 44.22 0 1.91% 1.02%
Pustikar 677 1,778 172.18% 13.76% 27 6.27 14,899,351 9.29% 14.93%

PWMACS 42 192 18.57% 15.07% 16 5.64 1,806,118 8.22% 15.92%

RASS — 318 30.76% 15.10% 6 5.62 0 7.66% 14.36%
RGVN — 123 11.90% 2.40% 9 40.7 2,058,537 8.76% 19.41%
RISE — 128 12.35% 15.62% 30 5.4 0 10.76% 18.49%
RORES — 129 12.47% 13.30% 16 6.52 543,715 8.62% 31.30%

Saadhana — 164 15.84% 13.93% 15 6.18 0 10.78% 24.50%

Sahara Utsarga
— 124 12.05% 12.96% 13 6.71 2,028,286 6.99% 22.27%
Sahayata — 145 14.06% 29.92% 27 2.34 0 5.88% 29.07%
Samasta — 146 14.16% 27.06% 18 2.7 0 4.07% 15.81%

Sanchetna — 108 10.50% 18.70% 51 4.35 0 — —

Sanghamithra
— 130 12.55% 13.39% 4 6.47 0 6.03% 15.35%
Sarala 16 95 9.16% 8.11% 6 11.33 1,311,779 7.85% 27.60%

Sarvodaya Nano
— Finance 129 12.53% 21.23% 3 3.71 0 8.83% 12.17%
SCNL 58 226 21.92% 12.61% 28 6.93 749 9.84% 22.36%
SEIL 14,964 390 37.76% 46.25% 65 1.16 19,213,676 0.17% 19.01%

SEWA Bank 71 494 47.85% 17.21% 70 4.81 23,359,879 4.35% 10.91%

SEWA MACTS 27 39 3.82% 6.64% — 14.05 3,538,629 10.02% 12.46%
SHARE — 160 15.47% 11.26% 13 7.88 0 9.18% 24.20%

Share MACTS 46 149 14.41% 10.36% — 8.66 789,004 — —

SKDRDP — 112 10.80% 4.78% 5 19.91 0 6.00% 11.45%
SKS — 166 16.05% 23.73% 16 3.21 0 8.32% 27.20%
SMILE — 148 14.31% 20.54% 7 3.87 0 6.83% 14.49%
SMSS — 160 15.49% 14.23% 13 6.03 0 10.95% 28.03%
Sonata — 146 14.17% 40.94% 21 1.44 0 8.41% 24.30%

Spandana — 215 20.81% 16.67% 10 5 0 9.27% 30.40%

SSK — 98 9.19% 12.93% — 6.73 0 8.03% 20.85%
SU 19 106 10.27% 13.13% 11 6.61 1,175,683 9.83% 26.08%
Suryoday — 141 13.63% 31.86% — 2.14 0 3.75% 23.07%
SVCL — 205 19.88% 77.09% 237 0.3 0 0.18% 4.77%
SVSDF — 203 19.70% 16.12% 20 5.2 0 8.30% 17.94%

Swadhaar — 159 15.38% 42.37% 86 1.36 0 3.59% 20.31%

SWAWS — 162 15.64% 32.40% 12 2.09 0 8.21% 29.05%

Swayamshree
— Micro Credit Services
118 11.43% 4.75% — 20.04 742,646 10.19% 17.19%

Trident Microfinance4 165 15.94% 14.51% 14 5.89 720,427 9.78% 23.80%

UFSPL 20 116 11.22% 16.25% 21 5.15 243,111 7.94% 29.42%
Ujjivan — 145 14.08% 25.92% 26 2.86 12,977,995 6.13% 27.63%
VFS — 129 12.45% 12.36% 15 7.09 0 8.00% 20.34%
VSSU 72 176 17.09% 0.98% — 101.24 1,100,291 8.08% 11.19%
WSE 7 79 7.67% 12.95% 5 6.72 257,831 7.28% 16.66%
 Provision for
Number of Operating Operating loan
active Number of expense/ expense/ loan Portfolio at impairment/ Return on
Gross loan portfolio borrowers depositors assets portfolio Personnel risk > 30 days assets assets
9,041,134 62,652 0 8.04% 9.59% 264 0.77% 0.07% 2.66%
315,439,786 1,340,288 0 5.15% 6.34% 3,541 0.33% 0.40% 4.31%
21,746,801 187,754 0 11.67% 12.99% 751 0.79% 0.79% 2.01%
19,814,940 156,001 — 7.45% 9.14% 835 1.24% 0.53% 5.45%
12,556,611 126,483 0 10.79% 12.59% 327 0.02% 0.56% 7.40%
4,733,847 40,449 40,449 18.71% 26.96% 175 0.00% 0.00% -1.65%
3,064,137 18,930 18,930 4.95% 5.87% 0 0.27% 0.00% 0.37%
332,462,204 2,301,433 — 4.18% 5.43% 6,620 0.13% 0.03% 3.52%
172,484,946 1,114,468 0 10.11% 15.88% 6,328 2.51% 0.56% 3.12%
25,837,861 220,645 0 4.06% 5.48% 647 3.51% 0.21% 0.97%
58,971,572 305,679 0 4.17% 5.19% 3,307 0.11% 0.83% 5.58%
551,901 6,040 — 16.45% 17.39% 30 0.24% 1.37% 1.56%
32,193,592 228,514 0 9.45% 10.96% 965 1.84% 3.37% 0.78%
1,214,359 11,230 11,230 7.53% 12.20% 62 0.39% 0.93% 3.10%

59,461,459 417,039 0 11.89% 11.43% 1,661 0.06% 0.14% 3.99%

237,010 1,679 0 22.81% 48.73% 22 0.00% 0.00% -11.13%
5,529,032 35,118 0 10.32% 12.61% 190 0.00% 0.00% 1.54%
717,721 8,366 0 16.09% 23.93% 40 0.51% 0.39% -3.27%
134,597,374 888,600 0 6.79% 8.07% 1,573 0.11% 0.92% 4.50%
34,610,035 220,011 0 12.17% 13.74% 1,139 0.93% 0.46% 0.25%
54,332,892 257,991 0 4.05% 4.91% 532 0.02% 0.94% 7.04%
73,420,428 352,648 0 10.64% 9.54% 1,380 1.47% 1.92% 0.40%
6,025,239 67,310 0 14.18% 21.92% 323 9.80% 1.98% 0.71%

134,568,751 772,050 0 11.06% 11.79% 2,419 0.00% 0.69% 3.65%

1,013,720 6,943 — — — 51 1.26% — —

4,118,754 34,833 0 2.53% 2.88% 139 4.74% 0.00% -0.44%
288,873 1,825 0 14.16% 14.56% 11 0.00% 0.91% 0.44%
9,036,497 67,240 92,724 5.23% 6.08% 258 1.92% 0.74% 0.17%
9,019,278 82,118 0 37.51% 74.68% 1,934 1.08% 0.19% -33.72%
2,289,882 250,834 250,834 6.02% 9.94% 313 19.35% 0.15% 2.43%

12,940,905 129,600 0 5.71% 6.58% 395 3.33% 0.00% 2.93%

2,865,851 18,571 — 27.19% 33.19% 219 96.07% 0.87% 1.84%

4,433,279 24,668 0 5.38% 6.94% 116 0.00% 0.17% -0.76%

14,909,024 82,161 0 15.56% 24.67% 300 0.57% -0.53% -3.05%
1,555,775 9,988 0 12.73% 16.29% 109 25.01% 0.00% 0.87%
7,792,279 93,036 0 10.74% 17.35% 748 1.05% 0.01% 0.56%
17,369,746 61,467 248,539 8.88% 13.77% 330 4.93% 0.55% 1.12%
206,022 1,284 0 14.43% 28.58% 0 99.96% 2.58% -38.56%
5,126,256 70,021 95,138 15.19% 17.21% 453 1.49% 0.81% 9.41%

10,468,332 98,197 343,434 28.55% 41.08% 287 0.12% 0.20% 0.78%

3,181,571 24,835 1,622 6.93% 7.71% 104 0.48% 0.83% 0.30%

7,666,650 52,345 0 13.60% 16.76% 281 1.62% 2.36% 1.36%

33,140,461 250,208 0 2.17% 2.53% 1,252 0.88% 1.19% 4.41%
3,719,619 6,970 0 27.31% 13.00% 97 0.01% 0.00% 6.31%
1,277,460 9,908 9,908 8.91% 10.87% 55 0.82% 0.99% 7.77%
1,248,654 8,906 0 13.11% 15.55% 41 0.24% 0.54% 1.78%
4,477,674 31,288 0 8.92% 9.92% 165 1.96% 1.91% 2.47%
217,895 1,660 0 0.51% 1.16% 42 0.00% 0.00% -1.40%
16,726,882 9,407 22,001 1.25% 1.53% 55 0.80% 0.00% 4.39%

7,007,791 36,543 43,047 6.25% 8.82% 120 0.01% 0.28% 1.17%

15,012,824 47,265 0 1.77% 2.01% 117 0.26% 0.50% 4.43%
12,460,604 101,389 0 6.50% 7.82% 414 6.44% 0.77% 3.25%
447,450 3,507 0 17.16% 24.58% 35 0.33% 0.18% -9.61%
3,378,157 26,238 — 12.59% 14.27% 89 0.55% 1.86% 8.23%

14,875,890 90,930 0 8.67% 10.27% 257 0.00% 0.18% 4.87%

12,708,881 102,094 — 9.23% 11.65% 731 1.11% 0.19% 5.86%

20,215,139 139,179 0 13.38% 19.42% 544 0.35% 1.68% 6.34%
5,866,761 40,117 0 13.76% 16.63% 219 0.00% 0.15% -2.38%

459,030 4,233 — — — 35 0.00% — —

15,398,958 118,807 0 3.93% 3.90% 140 4.82% 2.93% 2.47%

7,673,761 81,121 81,121 6.70% 7.23% 236 0.25% 0.57% 8.42%

19,036,739 147,122 0 2.09% 2.41% 106 9.71% 0.71% 0.18%

37,597,478 166,102 13 9.16% 11.89% 1,103 1.85% 0.60% 1.81%
77,876,659 199,731 1,284 11.46% 17.07% 628 4.66% 0.40% 5.65%

10,373,391 20,993 328,363 5.25% 15.61% 140 17.49% 0.58% 0.52%

 2,474,332 62,775 129,933 8.02% 14.52% 192 3.21% 0.00% -5.57%
376,593,362 2,357,456 0 6.14% 8.20% 5,408 0.16% 0.30% 5.50%

1,677,679 11,275 17,000 — — 38 0.00% — —

136,728,666 1,225,570 0 3.94% 4.78% 3,087 0.31% 0.21% 1.29%
960,793,988 5,795,028 0 9.80% 10.14% 21,154 0.22% 1.47% 4.96%
31,657,694 214,280 0 5.20% 5.66% 809 0.10% 0.10% 1.51%
4,758,007 29,746 — 8.39% 9.38% 104 0.00% 6.16% 2.46%
12,568,446 85,897 0 13.27% 15.68% 856 1.22% 0.74% 1.12%

787,304,262 3,662,846 0 6.14% 5.36% 10,428 0.13% 1.48% 8.99%

824,207 8,385 — 11.00% 12.59% 34 5.23% 1.73% 0.09%
6,480,709 61,128 61,128 9.74% 11.77% 353 2.20% 0.60% 5.92%
3,474,333 24,678 0 23.40% 33.74% 135 0.01% 1.32% -5.39%
1,997,582 9,729 0 63.71% 115.43% 327 0.00% 1.05% -60.68%
1,413,970 6,950 0 8.71% 10.45% 46 0.00% 0.00% 0.56%

4,350,462 27,391 0 36.37% 55.83% 328 0.91% 1.29% -20.75%

19,814,502 122,656 0 8.74% 9.14% 331 0.46% 0.56% 7.45%

5,441,629 46,105 — 3.32% 3.85% — — 1.82% 1.86%

28,788,288 174,873 174,871 7.33% 9.69% 425 0.18% 0.57% 3.90%

1,389,055 11,988 11,988 15.43% 18.55% 43 1.37% 0.30% 3.84%
82,447,140 566,929 — 17.04% 18.98% 2,830 0.46% 0.55% 3.17%
23,654,147 184,020 0 10.07% 13.13% 544 0.56% 0.38% 1.10%
1,164,851 6,601 15,279 5.92% 11.60% 63 12.36% 0.00% -2.81%
2,988,884 37,755 37,755 5.97% 6.46% 386 0.34% 0.11% 3.30%
 Yield on gross
Return on Total women Write-off portfolio
equity Total assets Total borrowings Total equity borrowers ratio (nominal)
26.51% 10,948,262 8,898,400 1,351,217 62,652 0.35% 23.40%
40.07% 389,278,748 314,694,990 43,174,890 1,340,288 0.56% 25.64%
13.01% 24,663,558 20,701,884 3,371,934 174,492 0.22% 28.01%
11.95% 25,069,876 13,157,661 8,314,286 155,440 0.00% 23.95%
28.20% 14,799,445 10,678,689 3,560,999 126,483 0.00% 35.26%
-3.04% 5,907,107 2,330,088 2,371,877 39,374 0.00% 27.23%
2.66% 4,116,506 3,194,722 728,736 18,930 0.00% 14.66%
38.21% 424,220,483 297,493,694 44,334,405 2,301,433 0.00% 22.16%
23.29% 302,608,641 213,806,693 42,823,234 739,581 0.45% 28.59%
7.20% 35,387,135 29,031,065 4,769,331 187,548 0.00% 16.85%
28.81% 73,737,807 50,161,875 13,477,310 302,167 0.00% 21.00%
35.27% 569,753 527,336 22,432 6,040 0.00% 28.82%
4.87% 37,541,351 26,068,395 5,902,424 228,433 4.70% 23.34%
33.37% 1,422,720 984,177 149,389 10,995 0.00% 32.07%

147.03% 62,074,316 51,548,523 2,206,952 417,039 0.21% 24.44%

-11.41% 506,393 243 493,894 1,674 0.00% 12.73%
9.09% 7,048,366 5,156,290 1,632,858 35,118 0.00% 26.50%
-37.96% 994,361 893,048 89,821 8,179 0.00% 28.99%
12.38% 165,739,228 96,018,850 60,414,853 888,600 0.00% 24.44%
1.44% 40,807,896 32,280,308 7,333,484 218,301 0.00% 23.51%
45.77% 63,535,655 47,532,265 8,488,133 257,991 1.33% 21.83%
2.56% 68,138,395 54,733,752 11,172,555 350,514 0.62% 17.73%
2.00% 10,335,541 6,360,505 3,769,242 67,310 2.44% 38.65%

25.47% 134,179,664 108,717,776 16,066,689 772,050 0.01% 28.36%

— — — — — — —
-6.47% 4,950,342 4,332,641 537,334 13,940 0.00% 12.81%
1.56% 297,157 189,015 83,540 1,825 0.00% 22.05%
3.11% 10,729,931 6,069,576 598,896 67,240 0.00% 16.94%
-115.41% 21,210,000 10,701,424 8,357,892 82,118 0.00% 18.06%
6.83% 3,873,322 867,734 1,440,917 250,834 0.00% 21.00%

15.76% 14,312,620 10,672,932 3,437,654 129,564 0.68% 19.29%

3.08% 3,227,981 1,221,736 1,593,629 18,571 15.99% 33.48%

-4.55% 5,670,856 4,545,211 1,057,007 24,667 0.00% 15.76%

 -8.74% 25,538,791 12,947,631 10,083,409 82,161 0.00% 28.65%
7.24% 2,116,089 1,637,948 336,358 9,966 0.00% 28.09%
7.14% 9,735,392 7,275,768 688,675 62,873 0.00% 31.13%
10.41% 26,825,297 6,697,075 2,865,400 35,680 0.18% 22.35%
-54.96% 392,397 0 391,171 1,284 0.00% 8.37%
54.79% 5,735,219 3,232,749 1,113,141 70,021 0.30% 36.10%

10.54% 15,400,707 10,274,490 1,012,228 98,197 0.39% 26.67%

4.48% 3,534,120 3,204,812 248,395 24,318 0.00% 19.11%

8.14% 10,192,334 8,161,241 1,777,734 52,076 1.45% 32.06%

15.89% 36,683,602 23,551,466 10,017,027 250,208 1.08% 21.02%
9.90% 1,705,220 583,722 1,062,757 6,970 0.00% 30.95%
13.81% 1,541,347 455,579 878,951 7,807 0.21% 25.35%
75.27% 1,432,713 1,387,090 37,110 8,906 0.00% 30.62%
23.72% 5,085,191 3,670,539 557,749 27,095 1.09% 22.57%
-11.94% 688,038 672,448 15,216 1,593 0.00% 2.34%
31.79% 20,692,996 919,280 2,848,209 2,075 0.00% 15.75%

8.50% 9,509,691 6,120,478 1,432,928 36,543 0.11% 19.67%

30.35% 17,729,676 14,662,896 2,676,937 47,265 0.44% 15.63%
101.46% 14,354,843 11,592,678 344,236 91,968 0.00% 22.25%
-62.72% 622,688 515,793 97,294 3,507 0.00% 24.62%
70.53% 3,828,419 2,775,514 509,191 26,238 3.01% 32.92%

38.32% 17,246,393 14,700,567 2,401,664 90,929 0.00% 27.99%

41.10% 17,269,538 12,702,170 2,238,577 102,094 0.64% 24.18%

17.46% 26,377,606 17,748,503 7,891,009 139,179 0.82% 41.07%
-7.45% 6,987,717 4,590,778 1,891,025 40,117 0.00% 17.53%

— 596,004 423,672 111,450 — — —

18.21% 15,342,408 13,179,016 2,055,073 117,820 4.28% 14.91%

118.57% 8,411,527 5,711,034 682,363 81,121 0.00% 23.89%

0.91% 21,753,686 16,848,069 4,619,102 147,122 0.29% 13.58%

13.03% 48,973,505 40,955,551 6,176,513 141,033 0.42% 27.44%
13.78% 144,620,292 42,255,996 66,881,022 55,388 0.66% 25.68%

3.06% 31,682,719 0 5,452,791 20,993 0.00% 28.38%

 -88.72% 5,152,271 1,176,784 342,335 40,785 0.00% 10.78%
45.18% 576,914,660 453,194,629 64,977,369 2,357,456 0.57% 31.48%

— 2,053,143 1,051,505 212,634 11,025 — —

30.06% 165,501,622 129,249,425 7,915,746 783,364 0.00% 13.55%
21.56% 897,871,054 599,215,512 213,037,996 5,795,028 0.86% 25.64%
8.07% 37,110,799 27,998,268 7,624,412 214,280 0.14% 14.63%
19.22% 5,260,475 4,474,653 748,469 29,614 6.96% 27.45%
3.28% 17,144,255 9,800,182 7,018,483 85,897 0.00% 27.62%

55.67% 647,250,710 487,964,681 107,873,420 3,368,115 0.66% 25.71%

0.73% 894,079 773,763 115,618 8,385 2.31% 21.23%
60.45% 7,147,770 4,997,601 938,846 61,128 1.41% 29.97%
-14.36% 4,574,941 3,094,978 1,457,640 — 0.00% 30.71%
-78.48% 3,371,133 667,111 2,598,777 9,729 0.00% 7.35%
3.35% 1,697,902 1,405,957 273,705 6,925 0.00% 21.01%

-38.73% 6,288,283 2,980,368 2,664,398 24,259 1.85% 29.95%

21.71% 20,222,294 10,420,077 6,551,205 122,656 0.00% 29.89%

40.16% 6,482,012 4,666,677 308,024 — — 19.93%

19.64% 38,844,688 31,611,129 5,635,378 173,396 0.00% 26.14%

19.52% 1,647,341 1,111,852 267,672 11,988 0.00% 35.37%
9.45% 90,499,265 52,692,529 23,460,023 566,929 0.51% 30.36%
7.07% 30,064,504 25,593,929 3,716,766 184,020 0.05% 23.86%
-190.16% 2,410,644 1,151,051 23,577 3,553 0.00% 21.21%
34.57% 3,309,414 2,622,325 428,565 36,999 0.14% 17.44%