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PRODUCTIVITY & EFFICIENCY
Performance and Activities 2005 – 2008
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At the end of 2008, the number active
FAF-DC customers amounted to 5,163 with
total outstanding loans amounting to USD
16.578
million, and with a total cumulative
lending of USD 53 million. Of the
outstanding customer’s portfolio,
approx. 80% are repetitive borrowers.
The present average repayment period for
outstanding loans is 3 years. SME-s
loans amount to 71% of the total value
of the loan portfolio and 29% of the
total number of loans. The value of the
outstanding loans is distributed on
sectors and business sizes as shown
below: |
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Sectors |
% |
Business Size |
Loans Portfolio Mixture per |
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Total of
Borrowers |
Total Amount
000/USD |
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% |
Number |
% |
Amount |
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Agriculture and Livestock |
38 |
Micro Businesses [MB] |
72% |
3695 |
29% |
4807 |
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Trade |
26 |
Loan Loss Indicator |
5,4% |
256 |
4,8% |
665 |
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Agro-processing |
14 |
SME |
28% |
1435 |
71% |
11770 |
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Services |
12 |
Loan Loss Indicator |
2 |
113 |
2,7 |
450 |
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Other sectors |
10 |
Total Portfolio
Actual Loan Loss Ratio |
7,4% |
369 |
7,5 |
1115 |
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Total |
100 |
Central Bank Target Loan Loss
Ratio |
8% |
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These indicators indicate a well
diversified portfolio per unit of
borrowers, per unit of businesses and
per unit of range of various businesses.
It should
be emphasized that Agriculture and
Livestock have, so far, been FAF-DC’s
most important sectors. The loan
portfolio is well diversified with loans
below LEK 200 000 (USD 2 400) presently
accounting for 74% of the number of
loans and 27% of the value of loans.
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Loans Portfolio Indicator |
2008 |
2007
(000 ALL) |
2006
(000 ALL) |
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(000USD) |
(000 ALL) |
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Total Outstanding Loan Portfolio |
16,577.8 |
1,457,358 |
1,383,035 |
1,363,253 |
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Number of Active Borrowers |
5,169.0 |
5,169 |
4,752 |
5,354 |
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Average Loan Balance/Borrower |
3.2 |
282 |
291 |
255 |
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Arrears >30 days in % of TOLP |
4.1% |
4.1% |
2.4% |
11.6% |
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Operational self-sustainability |
113.7% |
113.70% |
127.46% |
133.22% |
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Loan Loss Ratio |
7,5 |
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The loan portfolio quality is good,
highly sustainable and within parameters
targeted by the Central Bank [Bank of
Albania], which is 8%.
The above indicators indicate a well
diversified portfolio per unit of
borrowers, per unit of businesses and
well related with a steady
operational self-sustainability |
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