Major Achievements:

The performances of CDIP are described in different modalities, which are briefly described in tabular form as follows.

The operational performance of CDIP has been showing an improving trend as evident from the following table of last 3 years’ performance. Both loan disbursement and loan outstanding have increased in current year compared to previous year. The loan recovery performance, accumulation of savings deposits, generation of yearly net surplus etc. are also improving as shown in the following table.

Indicators 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17
Loan Disburesment (In mil.Tk.) 2531.94 3237.87 3892.00 4214.04 5266.51 6656.69 8320.682
Active Borrower (No of Person) 83,957 93,367 100,528 107,303 126,031 146,942 165,630
Loan Outstanding (In mil. Tk.) 1,257.47 1,646.43 1,950.17 2,151.93 2,759.18 3,542.54 4,523.78
Total savings portfolio (In mil. Tk.) 514.84 725.87 914.14 1063.01 1347.62 1685.26 2111.06
Net Surplus (In mil Tk.) 95.05 144.27 193.20 212.96 211.66 282.14 368.21
Growth of Lon Disburesment (%) 46.76 27.88 20.40 7.64 19.98 28.75 25.00
Growth of Savings portfolio (%) 38.63 44.09 46.88 49.40 21.12 25.05 25.27

The financial performance and the profitability indicators also showing positive results. Operational self-sufficiency ratio on the basis of consolidated accounts of the organization stood at 168.53% in 2012-13, 165.10% in 2011-12 and 153. 18% in 2010-11.

Indicators 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17
Debt to Capital Ratio (DCR) 3.95:1 3.26:1 2.46:1 2.20:1 2.12:1 2.08:1 1.17:1
Capital Adequacy Ratio (CAR) 21.101% 25.66% 31.03% 37.90% 36.17% 35.95% 35.60%
Debt Service Cover Ratio (DSCR) 1.32:1 1.22:1 1.20:1 1.21:1 1.19:1 1.21:1 1.18:1
Current Ratio (CR) 1.64:1 1.62:1 1.60:1 2.07:1 1.77:1 1.73:1 1.66:1
Liquidity of Savings Ratio (LSR) 14.25% 34.34% 18.06% 31.99% 17.23% 12.61% 9.95%
Rate of Return on Capital (RRC) 36.23% 38.98% 35.88% 28.63% 22.71% 23.94% 24.61%
Cumulative Recovery Rate (CRR) 99.88% 99.90% 99.93% 99.93% 99.95% 99.95% 99.95%
On Time Recovery (OTR) 99.36% 99.19% 99.60% 99.58% 99.78% 99.83% 99.87%
Operational Self Sufficiency(OSS) 153.18% 165.10% 168.53% 163.92% 150.54% 156.83% 161.94%
Financial Self Sufficiency (FSS) 96.62% 140.30% 161.50% 163.13% 149.97% 164.25% 177.22%
Retained Surplus (Taka)) 27,68,30,877 36,99,82,839 52,94,27,046 1,016,690,091 1,292,695,884 1,619,730,499