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level: Level 1

Questions and Answers List

level questions: Level 1

QuestionAnswer
=[(value at end) - (value at beginning)]/ value at beginningportfolio growth
=Liabilities / EquityDebt to Equity Ratio (DER)
=net income after taxes and before donations / average assetsreturn on average assets (ROA)
= Portfolio at risk (xx days) / Gross loan portfolioNPL30 Ratio
= (operating expenses which does not include financial expenses and loan loss provision) / average gross loan portfolioOperating Expense Ratio
# of active borrowers (or outstanding loans) / # of loan officersLoan Officer Productivity
= (Operating expenses which does not include financial expenses and loan loss provision) / average # of loans outstandingCost per Loan
= # of female clients / # of active clientsOutreach to female clients
= financial revenue / average gross loan portfolioPortfolio Yield
= # of active clients / (# of active clients + the # of new clients)Client retention rate
=[(cash + temporary investments + accounts receivable) / current liabilities]:1acid test (or known as quick ratio)
= selling price - costMark up rate
multiplying the monthly amount by the number of months unpaid, plus any late fees or other penalties. Subtract from this figure any partial payments you have made since the last month for which you paid in full.arrears ratio
A loan loss provision is an expense set aside as an allowance for uncollected loans and loan payments. This provision is used to cover a number of factors associated with potential loan losses, including bad loans, customer defaults, and renegotiated terms of a loan that incur lower than previously estimated payments.loan loss provision expense
Customer revenue minus the costs of acquiring and serving the customerCustomer lifetime value (CLV)
= net income after taxes and before donations / average equityReturn on Equity (ROE)
operating expenses / average number of loans outstandingcost per loan
short term assets / short term liabilitiesCurrent Ratio
= add both years/2 for the gross average loan portfolioGross average loan portfolio
1.calculate total costs = project annual admin costs related to all savings operations (95,300 USD) + (annual interest rate paid to customers on savings balance 2% X 34USD average balance per savings account X average # of active savings accounts 25,490) = 112,633.20 USD 2. = 112,633.20 USD / (25490 accounts X 34 USD) = 13% 3. internal transfer price to cover all costs = 13%internal transfer price for a savings product
total debt / total assetsDebt to asset ratio
= total equity / total assetsequity ratio
= net income / salesprofit margin
= revenue - COGSgross margin
= (units sold / units products)*(direct materials and direct labor costs + indirect manufacturing costs)COGS
= variable cost/unit + fixed cost/unittotal unit cost
step 1: calculate total cost = annual admin costs + (annual interest rate X average balance per customer X average # of accounts Step 2: total cost / (# of accounts X aver balance per account)internal transfer price