Balance Sheet for Asociación de Desarrollo Integral Rural


		2006	2007	2008	2009	2010
As of date		2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31
Currency code		USD	USD	USD	USD	USD
Assets		3,892,933	4,958,610	5,291,654	5,696,894	6,090,650
Cash and cash equivalents		160,624	689,221	223,368	819,715	317,248
Trade and other receivables		744,359	85,371	140,985	34,725	124,260
Financial assets at fair value		—	—	—	0	—
Financial assets available for sale		—	—	—	0	—
Other investments		0	0	—	—	—
Net loan portfolio		2,770,562	3,759,066	4,496,738	4,069,561	4,943,616
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio		2,911,978	3,885,596	4,652,743	4,253,242	5,170,034
+ Delinquency
Less than one month	—	2,716,792	3,695,726	4,382,886	3,849,225	4,680,973
+ One month or more	—	195,186	189,870	—	—	—
From one to three months	—	107,538	139,404	205,636	357,818	327,980
+ More than three months	—	—	—	—	—	—
From three to six months	—	87,648	50,465	64,221	46,199	161,082
+ More than six months	—	—	—	—	—	—
From six to twelve months	—	0	0	0	0	0
One year or more	—	0	0	0	0	0
Renegotiated loans	—	0	0	0	0	0
+ Location
Urban	—	—	—	460,113	425,324	1,809,512
Rural	—	—	—	4,141,017	3,827,918	3,360,522
+ Products (credit)
Loans to corporations	—	—	—	51,613	—	1,002,029
Loans to financial institutions	—	—	—	—	—	0
Loans to governments	—	—	—	—	—	0
+ Retail loans	—	—	—	4,601,130	4,253,242	4,168,006
+ Household financing	—	—	—	1,857,186	1,824,154	1,614,697
Consumption	—	—	—	235,608	295,621	163,845
Education	—	—	—	—	0	0
Mortgage housing	—	—	—	1,621,578	1,493,834	1,450,852
Household other	—	—	—	—	34,698	0
Microenterprise	—	—	—	2,743,944	2,429,088	2,553,308
+ Relationship
External customers	—	—	—	4,601,130	4,209,778	5,148,492
Management and staff	—	—	—	—	43,464	21,543
+ Methodology
Individual	—	—	—	4,601,130	4,253,242	4,750,840
Solidarity group	—	—	—	—	0	294,787
Village banking s h g	—	—	—	—	0	124,407
+ Gender
Male	—	—	—	2,411,919	2,189,030	2,716,593
Female	—	—	—	2,189,212	2,064,212	2,453,441
Legal entity	—	—	—	—	0	0
Impairment loss allowance		141,416	126,530	156,005	183,681	226,418
Unearned income and discount		—	—	—	0	—
Finance lease		—	—	—	0	—
Current tax assets		—	—	—	0	—
Deferred tax assets		—	—	—	0	—
Inventories		—	—	—	0	—
Intangible assets other than goodwill		—	—	—	76,894	—
Net fixed assets		217,388	424,952	430,563	332,531	442,525
Liabilities and equity		3,892,933	4,958,610	5,291,654	5,696,894	6,090,650
Liabilities		3,153,847	4,073,582	4,304,209	4,642,105	4,883,900
+ DepositsDeposits Total value of all deposit accounts		653,227	1,053,777	1,114,997	1,197,301	1,173,274
+ Gender
Male	—	—	—	—	682,461	—
Female	—	—	—	—	514,840	—
Legal entity	—	—	—	—	0	—
+ Products (deposits)
+ Retail deposits	—	653,227	1,053,777	1,114,997	1,197,301	—
+ Voluntary deposits	—	0	0	—	419,055	—
Demand deposits	—	0	0	—	419,055	—
Time deposits	—	0	0	—	0	—
Compulsory deposits	—	653,227	1,053,777	1,114,997	778,246	—
Borrowings		1,770,386	2,991,842	3,158,242	3,406,031	3,256,172
Subordinated debt		—	—	—	0	399,021
Other short term financial liabilities		—	—	—	0	0
Trade and other payables		730,234	27,963	21,050	28,316	52,862
Provisions for employee benefits		—	—	9,920	10,457	2,571
Deferred revenue		—	—	—	0	—
Current tax liabilities		—	—	—	0	—
Deferred tax liabilities		—	—	—	0	—
Equity		739,086	885,028	987,445	1,054,789	1,206,750
Paid in capital		0	0	—	0	0
Retained earnings		139,944	60,148	54,913	84,057	516,354
Share premium		—	—	—	0	—
Treasury shares		—	—	—	0	—
Donated equity		81,680	228,937	277,391	327,493	—
Equity reserves		3,866	3,866	3,806	3,541	3,683
Other equity interest		513,596	592,077	651,334	639,699	686,713

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