Balance Sheet for Mikrofond


		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		3,502,703	5,286,466	5,865,000	6,852,941	6,361,644
+ Currency
+ Foreign currency	—	—	—	2,421,429	4,478,676	—
Euro	—	—	—	2,232,857	4,429,412	—
United states dollar	—	—	—	188,571	49,265	—
+ Local currency	—	—	—	3,443,571	2,374,265	—
Bulgarian lev	—	—	—	3,443,571	2,374,265	—
+ Maturity
+ Less than one year	—	—	—	3,089,286	3,733,824	—
+ Less than six months	—	—	—	—	—	—
Less than one month	—	—	—	887,857	921,324	—
From one to three months	—	—	—	579,286	596,324	—
From three to six months	—	—	—	0	0	—
From six to twelve months	—	—	—	0	0	—
One year or more	—	—	—	2,775,714	2,311,029	—
+ Cash and cash equivalents		347,973	803,008	452,857	1,311,029	1,671,233
+ Currency
+ Foreign currency	—	—	—	180,000	355,147	—
Euro	—	—	—	6,429	306,618	—
United states dollar	—	—	—	173,571	48,529	—
+ Local currency	—	—	—	262,857	955,882	—
Bulgarian lev	—	—	—	262,857	955,882	—
+ Maturity
+ Less than one year	—	—	—	269,286	1,093,382	—
+ Less than six months	—	—	—	—	—	—
Less than one month	—	—	—	269,286	277,206	—
One year or more	—	—	—	173,571	217,647	—
+ Trade and other receivables		62,162	112,030	225,714	355,147	570,548
+ Currency
+ Foreign currency	—	—	—	1,429	1,471	—
Euro	—	—	—	—	1,471	—
United states dollar	—	—	—	1,429	—	—
+ Local currency	—	—	—	17,143	63,971	—
Bulgarian lev	—	—	—	17,143	63,971	—
+ Maturity
+ Less than one year	—	—	—	18,571	65,441	—
+ Less than six months	—	—	—	—	—	—
Less than one month	—	—	—	18,571	—	—
From one to three months	—	—	—	—	65,441	—
Financial assets at fair value		—	—	—	12,500	—
Financial assets available for sale		—	—	—	—	—
+ Other investments		0	175,188	—	—	—
+ Maturity
One year or more	—	—	—	10,000	12,500	—
+ Currency
+ Foreign currency	—	—	—	10,000	12,500	—
Euro	—	—	—	10,000	12,500	—
+ Net loan portfolio		2,954,730	3,585,714	4,655,000	4,606,618	3,511,644
+ Currency
+ Foreign currency	—	—	—	2,230,000	4,109,559	—
Euro	—	—	—	2,216,429	4,108,824	—
United states dollar	—	—	—	13,571	735	—
+ Local currency	—	—	—	2,632,143	786,765	—
Bulgarian lev	—	—	—	2,632,143	786,765	—
+ Maturity
+ Less than one year	—	—	—	2,801,429	2,882,353	—
+ Less than six months	—	—	—	—	—	—
Less than one month	—	—	—	600,000	616,176	—
From one to three months	—	—	—	579,286	596,324	—
One year or more	—	—	—	2,060,714	2,122,794	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio		3,150,000	3,801,504	4,956,429	5,094,853	4,033,562
+ Methodology
Individual	—	—	—	4,956,429	5,094,853	4,033,562
Solidarity group	—	—	—	—	—	0
Village banking s h g	—	—	—	—	—	0
+ Currency
Local currency	—	—	—	—	786,765	—
+ Products (credit)
+ Retail loans	—	—	—	4,956,429	5,094,853	4,033,562
+ Household financing	—	—	—	79,286	390,441	332,192
Consumption	—	—	—	—	—	0
Education	—	—	—	—	—	0
Mortgage housing	—	—	—	—	—	0
Household other	—	—	—	79,286	390,441	332,192
Microenterprise	—	—	—	4,877,143	4,704,412	3,701,370
+ Relationship
External customers	—	—	—	4,956,429	5,094,853	4,033,562
Management and staff	—	—	—	—	—	0
+ Gender
Male	—	—	—	3,607,143	3,905,147	—
Female	—	—	—	1,349,286	1,189,706	—
Legal entity	—	—	—	—	—	3,528,082
+ Location
Urban	—	—	—	3,268,571	3,567,647	2,743,151
Rural	—	—	—	1,687,857	1,527,206	1,291,096
+ Delinquency
Less than one month	—	2,883,784	3,694,737	4,812,857	4,483,088	3,513,699
+ One month or more	—	266,216	106,767	130,714	—	—
From one to three months	—	130,405	64,662	82,857	194,853	156,164
+ More than three months	—	—	—	—	—	—
From three to six months	—	37,838	13,534	30,000	216,176	172,603
+ More than six months	—	—	—	—	—	—
From six to twelve months	—	17,568	4,511	5,714	84,559	60,959
One year or more	—	32,432	12,030	12,143	0	17,123
Renegotiated loans	—	47,973	12,030	12,857	116,176	113,699
Impairment loss allowance		195,270	215,789	243,571	488,235	521,918
Unearned income and discount		—	—	57,857	—	—
Finance lease		—	—	—	—	—
Current tax assets		—	—	—	—	—
Deferred tax assets		—	—	—	—	—
Inventories		—	—	—	—	—
+ Intangible assets other than goodwill		—	—	21,429	16,912	10,959
+ Maturity
One year or more	—	—	—	21,429	16,912	—
+ Currency
+ Local currency	—	—	—	21,429	16,912	—
Bulgarian lev	—	—	—	21,429	16,912	—
+ Net fixed assets		137,838	610,526	510,000	550,735	322,603
+ Maturity
One year or more	—	—	—	510,000	550,735	—
+ Currency
+ Local currency	—	—	—	510,000	550,735	—
Bulgarian lev	—	—	—	510,000	550,735	—
Liabilities and equity		3,502,703	5,286,466	5,865,000	6,852,941	6,361,644
+ Liabilities		2,819,595	3,709,023	4,085,000	5,008,824	4,723,288
+ Currency
+ Foreign currency	—	—	—	3,902,857	388,235	—
Euro	—	—	—	3,726,429	4,620,588	—
United states dollar	—	—	—	176,429	178,676	—
+ Local currency	—	—	—	182,143	209,559	—
Bulgarian lev	—	—	—	182,143	209,559	—
+ Maturity
+ Less than one year	—	—	—	1,061,429	1,092,647	—
+ Less than six months	—	—	—	—	—	—
Less than one month	—	—	—	14,286	14,706	—
From one to three months	—	—	—	5,714	5,882	—
From three to six months	—	—	—	0	0	—
From six to twelve months	—	—	—	0	0	—
One year or more	—	—	—	3,023,571	3,112,500	—
+ DepositsDeposits Total value of all deposit accounts		0	0	0	0	0
+ Currency
Local currency	—	—	—	—	0	—
+ Products (deposits)
+ Retail deposits	—	0	0	0	0	0
+ Voluntary deposits	—	0	0	0	0	0
Demand deposits	—	0	0	—	0	—
Time deposits	—	0	0	—	0	—
Compulsory deposits	—	0	0	0	0	0
+ Borrowings		2,679,054	3,471,429	3,828,571	4,730,882	4,528,082
+ Currency
+ Foreign currency	—	—	—	3,898,571	200,735	—
Euro	—	—	—	3,722,143	4,616,176	—
United states dollar	—	—	—	176,429	178,676	—
+ Local currency	—	—	—	—	22,059	—
Bulgarian lev	—	—	—	—	22,059	—
+ Maturity
+ Less than one year	—	—	—	1,034,286	1,064,706	—
+ Less than six months	—	—	—	—	—	—
Less than one month	—	—	—	714	735	—
From one to three months	—	—	—	5,714	5,882	—
One year or more	—	—	—	2,865,000	2,949,265	—
+ Subordinated debt		—	—	—	—	—
+ Currency
Foreign currency	—	—	—	—	0	—
Local currency	—	—	—	—	0	—
Other short term financial liabilities		—	—	—	—	—
+ Trade and other payables		140,541	237,594	230,000	252,941	179,452
+ Currency
+ Foreign currency	—	—	—	4,286	4,412	—
Euro	—	—	—	4,286	4,412	—
+ Local currency	—	—	—	155,714	162,500	—
Bulgarian lev	—	—	—	155,714	162,500	—
+ Maturity
+ Less than one year	—	—	—	22,857	21,324	—
+ Less than six months	—	—	—	—	—	—
Less than one month	—	—	—	9,286	7,353	—
One year or more	—	—	—	136,429	145,588	—
Provisions for employee benefits		—	—	—	—	—
+ Deferred revenue		—	—	—	—	—
+ Maturity
Less than one year	—	—	—	—	25,000	—
+ Current tax liabilities		—	—	4,286	—	—
+ Maturity
+ Less than one year	—	—	—	4,286	—	—
+ Less than six months	—	—	—	—	—	—
Less than one month	—	—	—	4,286	—	—
+ Currency
+ Local currency	—	—	—	4,286	—	—
Bulgarian lev	—	—	—	4,286	—	—
+ Deferred tax liabilities		—	—	22,143	25,000	15,753
+ Maturity
One year or more	—	—	—	22,143	—	—
+ Currency
+ Local currency	—	—	—	22,143	25,000	—
Bulgarian lev	—	—	—	22,143	25,000	—
Equity		683,108	1,577,444	1,780,000	1,844,118	1,638,356
Paid in capital		1,229,730	1,984,211	1,853,571	1,908,088	1,777,397
Retained earnings		-951,351	-512,030	-173,571	-166,912	-139,041
Share premium		—	—	—	—	—
Treasury shares		—	—	—	—	—
Donated equity		404,730	582,707	—	—	—
Equity reserves		0	105,263	100,000	102,941	—
Other equity interest		0	0	—	—	—

MFI Report

Global Partners