Agricultural Portfolio Analysis
Agricultural Loan Distribution
Crop Production KES 2,550,000
Livestock KES 1,700,000
Agribusiness KES 2,550,000
Farm Equipment KES 850,000
Irrigation KES 4,250,000
Storage Facilities KES 4,250,000
Seasonal Performance
Planting Season 85%
Harvest Season 92%
Off Season 78%
Financial Statements
Balance Sheet
Assets
Cash & Equivalents KES 1,500,000
Investments KES 2,500,000
Agricultural Loans KES 8,500,000
Agricultural Assets KES 750,000
Fixed Assets KES 500,000
Liabilities & Equity
Deposits KES 7,500,000
Borrowings KES 2,000,000
Agricultural Grants KES 1,000,000
Share Capital KES 2,000,000
Donor Funds KES 500,000
Retained Earnings KES 1,000,000
Income Statement
Revenue
Interest Income KES 850,000
Agricultural Services KES 25,000
Fees Income KES 150,000
Other Income KES 50,000
Expenses
Interest Expense KES 250,000
Agricultural Support KES 150,000
Operating Expenses KES 350,000
Provision Expense KES 100,000
Net Income
Total KES 350,000
Agricultural Risk Management
Portfolio at Risk
Current 7.5%
Previous: 8.2% (improving)
Agricultural Risk Factors
Weather Impact Low
Market Volatility Medium
Pest & Disease Low
Input Costs High
Risk Ratings
Overall Risk Low
Credit Risk Low
Climate Risk Medium
Operational Risk Low
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