Balance Sheet for XacBank


		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		122,692,900	163,177,452	223,314,641	380,189,433
Cash and cash equivalents		26,619,583	24,931,573	63,784,806	98,788,575
Trade and other receivables		3,669,274	2,403,385	3,069,673	4,251,783
Financial assets at fair value		—	—	—	—
Financial assets available for sale		—	175,991	2,415,581	18,905
Other investments		0	—	—	—
Net loan portfolio		84,615,566	117,410,519	134,875,131	260,178,601
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio		85,208,597	118,735,288	137,080,303	263,594,653
+ Delinquency
Less than one month	—	—	116,747,364	126,882,058	259,259,214
+ One month or more	—	540,298	1,987,925	—	—
From one to three months	—	115,846	614,818	600,683	477,479
+ More than three months	—	—	—	—	—
From three to six months	—	58,266	726,588	734,444	1,235,793
+ More than six months	—	—	—	—	—
From six to twelve months	—	154,299	382,924	1,763,126	551,064
One year or more	—	158,197	190,410	654,725	2,071,103
Renegotiated loans	—	53,690	73,185	6,445,267	0
+ Location
Urban	—	—	—	48,964,786	168,174,954
Rural	—	—	—	61,048,689	95,419,699
+ Products (credit)
Loans to corporations	—	—	—	26,619,686	102,391,552
Loans to financial institutions	—	—	—	447,143	0
Loans to governments	—	—	—	—	0
+ Retail loans	—	—	53,297,766	110,013,474	161,203,102
+ Household financing	—	—	—	93,045,287	95,989,831
Consumption	—	—	—	34,259,405	39,516,501
Education	—	—	—	230,953	0
Mortgage housing	—	—	—	29,536,154	34,255,680
Household other	—	—	—	29,018,776	22,217,650
Microenterprise	—	—	53,297,766	16,968,188	65,213,270
+ Relationship
External customers	—	—	—	106,013,295	263,594,653
Management and staff	—	—	—	4,000,180	0
+ Methodology
Individual	—	—	—	109,956,961	263,594,653
Solidarity group	—	—	—	56,514	0
Village banking s h g	—	—	—	0	0
+ Gender
Male	—	—	21,646,920	58,704,676	100,629,874
Female	—	—	21,902,611	51,308,799	96,134,561
Legal entity	—	—	9,748,235	—	66,830,218
Impairment loss allowance		593,031	1,324,770	2,205,172	3,416,052
Unearned income and discount		—	—	—	—
Finance lease		—	—	—	—
Current tax assets		—	—	207,731	—
Deferred tax assets		—	—	—	251,154
Inventories		—	723,244	663,080	—
Intangible assets other than goodwill		—	1,588,066	1,986,399	2,860,884
Net fixed assets		7,788,174	9,865,359	10,395,948	13,505,754
Liabilities and equity		122,692,900	163,177,452	223,314,641	380,189,433
+ Liabilities		111,376,390	145,997,271	202,750,251	352,104,993
+ Maturity
+ Less than one year	—	—	61,639,802	113,539,596	—
+ Less than six months	—	—	—	—	—
Less than one month	—	—	23,417,815	27,734,253	—
From one to three months	—	—	15,243,587	29,499,627	—
From three to six months	—	—	9,336,567	16,156,181	—
From six to twelve months	—	—	13,641,834	40,149,535	—
One year or more	—	—	121,852,763	134,669,556	—
+ DepositsDeposits Total value of all deposit accounts		66,732,555	64,536,178	88,153,308	166,857,857
+ Maturity
+ Less than one year	—	—	47,021,383	75,058,519	—
+ Less than six months	—	—	—	—	—
Less than one month	—	—	23,417,815	27,734,253	—
From one to three months	—	—	9,177,467	20,473,647	—
From three to six months	—	—	8,134,541	12,267,065	—
From six to twelve months	—	—	6,291,559	14,583,555	—
One year or more	—	—	25,593,703	29,095,032	—
+ Products (deposits)
Deposits from corporations	—	—	7,586,708	20,326,839	0
Deposits from financial institutions	—	—	6,029,434	256,531	46,904,850
Deposits from governments	—	—	12,034	1,699,009	0
+ Retail deposits	—	36,631,268	50,908,003	65,870,928	119,953,007
+ Voluntary deposits	—	66,732,555	42,554,095	65,870,928	119,953,007
Demand deposits	—	36,631,268	14,959,486	17,223,434	34,701,798
Time deposits	—	30,101,287	27,594,609	48,647,495	85,251,209
Compulsory deposits	—	0	8,353,908	0	0
+ Borrowings		44,012,601	79,085,974	106,497,754	118,681,401
+ Maturity
+ Less than one year	—	—	13,985,481	37,351,603	—
+ Less than six months	—	—	—	—	—
From one to three months	—	—	5,664,341	8,317,677	—
From three to six months	—	—	1,159,923	3,641,386	—
From six to twelve months	—	—	7,161,217	25,392,540	—
One year or more	—	—	91,476,604	95,988,221	—
+ Subordinated debt		—	—	6,152,253	11,442,985
+ Maturity
+ Less than one year	—	—	—	17,857	—
+ Less than six months	—	—	—	—	—
From three to six months	—	—	—	17,857	—
One year or more	—	—	4,756,621	9,585,994	—
Other short term financial liabilities		—	—	—	1,582,150
+ Trade and other payables		631,293	658,773	1,543,631	54,781,609
+ Maturity
+ Less than one year	—	—	632,938	1,111,616	—
+ Less than six months	—	—	—	—	—
From one to three months	—	—	401,778	708,303	—
From three to six months	—	—	42,102	229,873	—
From six to twelve months	—	—	189,058	173,440	—
One year or more	—	—	25,834	309	—
Provisions for employee benefits		—	—	—	—
Deferred revenue		—	80,155	268,101	246,336
Current tax liabilities		—	218,720	—	94,805
Deferred tax liabilities		—	82,694	135,203	—
Equity		11,316,148	17,180,181	20,564,390	28,084,440
Paid in capital		6,872,712	8,589,902	9,277,941	10,783,490
Retained earnings		2,473,761	2,485,383	1,788,723	4,494,888
Share premium		7,315	2,036,031	3,666,390	4,261,341
Treasury shares		—	0	0	—
Donated equity		673,472	0	0	—
Equity reserves		1,962,360	4,068,865	5,831,336	8,544,720
Other equity interest		0	0	0	—

MFI Report

Global Partners