Sample Sacco Ltd

Financial Performance Analysis

Latest: 2024

Key Financial Metrics (2024)

Total Assets

KES 35,000,000

2024 Performance

Dividend Rate

6.00%

Industry avg: ~5%

Net Income

KES 4,000,000

Annual net profit

Total Deposits

KES 21,000,000

Member deposits

Revenue

KES 12,000,000

Total revenue

Member Equity

KES 12,500,000

Total equity

Revenue Breakdown (2024)

Member Services

KES 5,500,000

Loan Interest

KES 4,800,000

Other Income

KES 1,700,000

Total Expenses

KES 8,000,000

Balance Sheet Summary (2024)

Opening Balance

KES 23,470,000

Reserves

KES 1,380,000

Closing Balance

KES 24,850,000

Assets Growth Over Time

Revenue & Expenses Trend

Financial Performance Over Time

Year Assets Liabilities Equity Dividend Rate Net Income Revenue Expenses Deposits Delinquency Ratio
2024 KES 35,000,000 KES 22,500,000 KES 12,500,000 6.00% KES 4,000,000 KES 12,000,000 KES 8,000,000 KES 21,000,000 2.20%
2023 KES 31,500,000 KES 21,000,000 KES 10,500,000 5.75% KES 3,300,000 KES 10,500,000 KES 7,200,000 KES 19,000,000 2.50%
2022 KES 28,000,000 KES 19,500,000 KES 8,500,000 5.50% KES 2,700,000 KES 9,200,000 KES 6,500,000 KES 17,000,000 2.80%
2021 KES 25,000,000 KES 18,000,000 KES 7,000,000 5.25% KES 2,300,000 KES 8,500,000 KES 6,200,000 KES 15,000,000 3.20%

Key Financial Ratios (2024)

Core Capital to Total Assets 35.71%
Regulatory minimum: 8%
Core Capital to Total Deposits 59.52%
Healthy range: 10-15%
Institutional Capital to Total Assets 40.50%
Interest on Members Deposit 5.25%
Liquid Assets Ratio 42.50%
Recommended: >20%
Expenses to Revenue 66.67%
Efficient: <80%
Loan Delinquency Ratio 2.20%
Risk threshold: >5%
External Borrowings Ratio 9.80%
Lower is better

Dividend & Delinquency Trends