Income Statement for Ryada - CHF International


		2006	2007	2008	2009	2010
Start date		2005-10-01	2006-10-01	2007-10-01	2008-10-01	2009-10-01
As of date		2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30
Currency		USD	USD	USD	USD	USD
Financial revenue		743,532	432,107	1,427,969	1,970,730	2,106,545
Interest and fee income		609,739	406,411	1,417,462	1,970,842	2,106,545
Revenue from interest		—	364,331	1,226,779	1,707,098	1,745,154
+ Interest income on loan portfolio		—	361,348	1,200,735	1,707,079	1,745,071
+ Products (credit)
Retail loans	—	—	—	—	—	—
Interest income from investments		—	2,983	26,044	0	—
Other interest income		—	—	—	19	83
Fee and commission income		—	42,080	190,683	263,744	361,391
+ Fee and commission income on loan portfolio		—	42,080	104,609	89,667	100,808
+ Products (credit)
Retail loans	—	—	—	—	—	—
Income from penalty fees on loan portfolio		—	0	86,074	174,077	260,583
Fee and commission income from other financial services		—	—	—	0	—
Other fee and commission income		—	—	—	0	—
Other operating income		133,793	25,654	10,402	0	0
Gains (losses) on exchange differences on translation recognised in profit or loss		—	42	105	-112	—
Gains (losses) on disposals of property, plant and equipment		—	—	—	0	—
Gains (losses) on financial assets		—	—	—	—	—
Gains (losses) on financial liabilities at fair value through profit or loss		—	—	—	0	—
Gains (losses) on held-to-maturity investments		—	—	—	0	—
Gains (losses) on loans and receivables		—	—	—	0	—
Gains (losses) on available-for-sale financial assets		—	—	—	0	—
Gains (losses) on financial liabilities at amortised cost		—	—	—	0	—
Gains (losses) on net monetary position		—	—	—	0	—
Financial expense		0	0	0	11,219	24,226
Interest and fee expense		—	0	0	11,219	24,226
Interest expense		—	0	0	11,219	24,226
Interest expense on borrowings		—	0	0	11,219	24,226
Interest expense on deposits		—	0	0	0	0
Interest expense on subordinated debt		—	—	—	0	—
Fee expense		—	0	0	0	0
Fee and commission expense on deposits		—	0	0	0	—
Fee and commission expense on borrowings		—	0	0	0	—
Other fee and commission expense		—	—	—	0	—
Other financial expense		—	42	—	0	—
Net impairment loss, gross loan portfolio		2,793,483	1,205,122	-551,607	-533,819	-123,181
Impairment loss (reversal of impairment loss), gross loan portfolio		—	1,288,311	869,439	247,503	225,114
Recoveries on loans written off		—	83,189	1,421,046	781,322	348,295
Operating expense		615,041	911,681	925,413	1,030,518	1,289,226
Personnel expense		—	404,838	423,988	568,792	662,153
Depreciation and amortisation expense		—	0	0	0	0
Administrative expense		—	506,843	501,425	461,726	627,073
Net operating income		-2,664,992	-600,836	2,792,831	1,462,812	916,274
Non operating income		0	0	0	-547,607	-547,256
Net Income before taxes and donations		-2,664,992	-600,836	2,792,831	915,205	369,018
Tax expense		0	0	0	0	0
Net Income after taxes and before donations		-2,664,992	-600,836	2,792,831	915,205	369,018
Donations		1,318,188	1,142,807	237,700	0	0
Net income after taxes and donations		-1,346,804	541,971	3,030,531	915,205	369,018

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