Balance Sheet for LLC Microlending Organization IMON INTERNATIONAL


		2007	2008	2009	2010
As of date		2007-12-31	2008-12-31	2009-12-31	2010-12-31
Currency code		USD	USD	USD	USD
+ Assets		16,174,505	33,329,025	37,176,438	41,074,255
+ Currency
+ Foreign currency	—	—	21,768,542,029	26,463,498,169	25,817,003
Euro	—	—	0	2,413,043	—
United states dollar	—	—	21,768,542,029	26,461,085,126	—
+ Local currency	—	—	11,560,482,899	10,712,939,588	15,151,111
Tajik somoni	—	—	11,560,482,899	10,712,939,588	—
+ Maturity
+ Less than one year	—	—	28,174,472,754	29,724,589,931	—
+ Less than six months	—	—	—	—	—
Less than one month	—	—	1,748,112,754	2,618,460,870	—
From one to three months	—	—	0	0	—
From three to six months	—	—	0	0	—
From six to twelve months	—	—	9,268,052,174	7,775,838,902	—
One year or more	—	—	5,154,552,174	7,451,847,826	—
+ Cash and cash equivalents		793,477	2,082,221	6,144,764	4,497,141
+ Maturity
+ Less than one year	—	—	1,601,956,232	2,043,459,954	—
+ Less than six months	—	—	—	—	—
Less than one month	—	—	1,601,956,232	2,043,459,954	—
+ Currency
+ Foreign currency	—	—	1,337,328,116	552,923,570	3,854,435
Euro	—	—	—	2,413,043	—
United states dollar	—	—	1,337,328,116	550,510,526	—
+ Local currency	—	—	744,892,464	1,490,536,384	642,705
Tajik somoni	—	—	744,892,464	1,490,536,384	—
+ Trade and other receivables		612,299	461,655	932,487	1,109,631
+ Maturity
+ Less than one year	—	—	—	578,988,787	—
From six to twelve months	—	—	—	29,023,112	—
One year or more	—	—	—	353,497,941	—
+ Currency
+ Foreign currency	—	—	286,369,855	476,215,332	—
United states dollar	—	—	286,369,855	476,215,332	—
+ Local currency	—	—	175,285,797	456,271,396	—
Tajik somoni	—	—	175,285,797	456,271,396	—
Financial assets at fair value		—	—	—	68,992
Financial assets available for sale		—	—	—	—
Other investments		0	—	—	—
+ Net loan portfolio		14,507,427	30,450,287	27,863,478	32,613,953
+ Currency
+ Foreign currency	—	—	20,144,844,058	25,434,359,268	21,735,058
United states dollar	—	—	20,144,844,058	25,434,359,268	—
+ Local currency	—	—	10,305,442,899	6,530,422,883	10,878,895
Tajik somoni	—	—	10,305,442,899	6,530,422,883	—
+ Maturity
+ Less than one year	—	—	26,110,860,870	27,065,121,739	—
+ Less than six months	—	—	—	—	—
Less than one month	—	—	146,156,522	575,000,915	—
From six to twelve months	—	—	9,268,052,174	7,709,796,339	—
One year or more	—	—	4,819,690,435	4,899,660,412	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio		14,860,228	30,548,721	28,980,142	34,081,595
+ Delinquency
Less than one month	—	14,797,914	30,424,680	27,659,711	32,570,360
+ One month or more	—	62,314	111,667	—	—
From one to three months	—	13,122	51,107	407,024	123,783
+ More than three months	—	—	—	—	—
From three to six months	—	9,615	31,725	341,267	134,597
+ More than six months	—	—	—	—	—
From six to twelve months	—	25,361	21,091	514,301	465,762
One year or more	—	4,579	7,743	29,992	761,864
Renegotiated loans	—	9,636	12,374	27,849	25,228
+ Location
Urban	—	—	13,178,446	12,988,880	15,074,535
Rural	—	—	17,370,275	15,991,262	19,007,060
+ Products (credit)
Loans to corporations	—	—	—	—	11,362,023
Loans to financial institutions	—	—	—	—	0
Loans to governments	—	—	—	—	0
+ Retail loans	—	—	30,548,721	28,980,142	22,719,572
+ Household financing	—	—	3,970,862	1,825,462	3,811,733
Consumption	—	—	3,474,746	343,614	3,811,733
Education	—	—	—	123,353	0
Mortgage housing	—	—	496,116	662,579	0
Household other	—	—	—	695,916	0
Microenterprise	—	—	26,577,859	27,154,680	18,907,839
+ Relationship
External customers	—	—	29,920,318	28,223,883	33,271,595
Management and staff	—	—	628,403	756,259	810,000
+ Methodology
Individual	—	—	21,440,623	22,176,154	28,822,314
Solidarity group	—	—	9,108,098	6,803,988	5,259,281
Village banking s h g	—	—	—	0	0
+ Gender
Male	—	—	11,111,049	19,677,065	23,269,488
Female	—	—	19,437,672	9,303,077	10,812,107
Legal entity	—	—	—	—	0
Impairment loss allowance		352,801	98,434	1,116,664	1,467,642
Unearned income and discount		—	—	—	—
Finance lease		—	—	—	—
+ Current tax assets		—	—	37,019	15,986
+ Maturity
+ Less than one year	—	—	455,282,029	37,019,451	—
From six to twelve months	—	—	—	37,019,451	—
+ Currency
+ Local currency	—	—	—	37,019,451	—
Tajik somoni	—	—	—	37,019,451	—
+ Deferred tax assets		—	—	22,945	—
+ Maturity
Less than one year	—	—	6,373,623	—	—
One year or more	—	—	—	22,944,622	—
+ Currency
+ Local currency	—	—	—	22,944,622	—
Tajik somoni	—	—	—	22,944,622	—
Inventories		—	—	—	—
+ Intangible assets other than goodwill		—	21,997	21,382	29,643
+ Maturity
One year or more	—	—	21,909,565	21,382,151	—
+ Currency
+ Local currency	—	—	21,909,565	21,382,151	—
Tajik somoni	—	—	21,909,565	21,382,151	—
+ Net fixed assets		261,301	312,865	2,154,363	2,738,911
+ Maturity
One year or more	—	—	312,952,174	2,154,362,700	—
+ Currency
+ Local currency	—	—	312,952,174	2,154,362,700	—
Tajik somoni	—	—	312,952,174	2,154,362,700	—
Liabilities and equity		16,174,505	33,329,025	37,176,438	41,074,255
+ Liabilities		13,972,829	24,540,381	28,074,471	29,419,454
+ Currency
+ Foreign currency	—	—	23,106,987,246	26,730,190,160	23,291,229
Euro	—	—	0	22,397,712	—
United states dollar	—	—	23,106,987,246	26,707,792,449	—
+ Local currency	—	—	1,433,393,333	1,344,280,778	6,128,225
Tajik somoni	—	—	1,433,393,333	1,344,280,778	—
+ Maturity
+ Less than one year	—	—	6,325,397,391	8,687,437,529	—
+ Less than six months	—	—	—	—	—
Less than one month	—	—	30,006,957	0	—
From one to three months	—	—	0	0	—
From three to six months	—	—	0	0	—
From six to twelve months	—	—	3,898,420,290	3,862,690,618	—
One year or more	—	—	18,214,983,188	19,387,033,410	—
+ DepositsDeposits Total value of all deposit accounts		0	0	0	0
+ Currency
Foreign currency	—	—	—	95,404,041	—
Local currency	—	—	—	5,109,551	—
+ Products (deposits)
Deposits from corporations	—	—	—	—	0
Deposits from financial institutions	—	—	—	—	0
Deposits from governments	—	—	—	—	0
+ Retail deposits	—	0	0	0	0
+ Voluntary deposits	—	0	0	0	0
Demand deposits	—	0	—	—	0
Time deposits	—	0	—	—	0
Compulsory deposits	—	0	0	0	0
+ Maturity
Less than one year	—	—	—	0	—
+ Borrowings		13,474,829	19,617,246	23,000,822	24,795,757
+ Currency
+ Foreign currency	—	—	17,035,202,319	21,831,588,330	18,886,828
United states dollar	—	—	17,035,202,319	21,831,588,330	—
+ Local currency	—	—	831,193,333	1,169,233,638	5,908,929
Tajik somoni	—	—	831,193,333	1,169,233,638	—
+ Maturity
+ Less than one year	—	—	5,319,182,029	7,529,334,325	—
+ Less than six months	—	—	—	—	—
Less than one month	—	—	30,006,957	—	—
From six to twelve months	—	—	2,892,204,928	3,862,690,618	—
One year or more	—	—	12,547,213,623	15,471,487,643	—
+ Subordinated debt		—	3,916,919	3,915,546	3,917,408
+ Maturity
+ Less than one year	—	—	—	0	—
From six to twelve months	—	—	—	16,879,958	—
One year or more	—	—	5,667,769,565	3,915,545,767	—
+ Currency
+ Foreign currency	—	—	5,667,769,565	3,915,545,767	3,917,408
Euro	—	—	—	97,878	—
United states dollar	—	—	5,667,769,565	3,915,545,767	—
Local currency	—	—	—	764,956	—
+ Other short term financial liabilities		—	—	0	—
+ Currency
+ Foreign currency	—	—	—	517,729,291	—
Euro	—	—	—	22,397,712	—
United states dollar	—	—	—	495,331,579	—
+ Local currency	—	—	—	175,047,140	—
Tajik somoni	—	—	—	175,047,140	—
+ Maturity
Less than one year	—	—	—	692,776,430	—
+ Trade and other payables		497,999	1,006,215	1,158,103	679,337
+ Currency
+ Foreign currency	—	—	404,015,362	465,326,773	—
United states dollar	—	—	404,015,362	465,326,773	—
+ Local currency	—	—	602,200,000	—	—
Tajik somoni	—	—	602,200,000	—	—
+ Maturity
+ Less than one year	—	—	1,006,215,362	465,326,773	—
From six to twelve months	—	—	1,006,215,362	—	—
Provisions for employee benefits		—	—	—	—
Deferred revenue		—	—	—	24,887
Current tax liabilities		—	—	—	—
Deferred tax liabilities		—	—	—	2,065
Equity		7,151,198	8,788,644	9,101,967	11,654,801
Paid in capital		6,643,469	6,662,725	5,260,046	5,224,182
Retained earnings		1,856,471	1,616,718	2,282,783	2,506,867
Share premium		—	0	—	—
Treasury shares		—	0	—	—
Donated equity		345,205	0	—	0
Equity reserves		507,729	509,201	1,559,138	3,923,753
Other equity interest		0	0	—	—

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