SKS India

Summary Operational & Financial Indicators

(In US$)[1]	Aug-02	Mar-02	Mar-01	Mar-00
Total Clients	8,096	5,607	1,922	603
Total Loan Clients	6,938	3,852	1,068	191
Total Loans Outstanding	$5,67,692	$2,83,679	$62,672	$13,739
Avg. Loan Outstanding per Loan Client	$82	$74	$59	$72
Portfolio-At-Risk > 30 Days (%)[2]	0.1%	0.1%	0.1%	0.0%
Total Savings	$52,238	$36,479	$11,827	$3,327
Average Savings per Client	$6.5	$6.5	$6.15	$5.51
Total Assets	$7,83,676	$4,95,090	$105,244	$93,930
Total Equity	$3,01,673	$380,409	$33,944	$93,930
Operating Self-Sufficiency (OSS)[3]	70.5%	50.3%	15.8%	14.0%
Administrative Efficiency[4](annualized)	35.3%	56.6%	193.5%	445.8%
Clients per Field Staff	239	170	96	86

[1] Figures till March 2002 are converted at a rate of 48 rupees per US$ and of August 2002 are at a rate of 49 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%, it means the organization has broken-even.

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

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