ACLEDA MFI Myanmar Co., Ltd.

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Financial Statements for November 2013


Balance Sheet (Unaudited)
November 30, 2013

Description Amounts in USD
Assets  
Total cash 326,723
Cash - MMK 301,467
Cash - USD 25,256
Cash - THB -
Cash - EUR -
Cash - AUD -
Bank deposits 6,349,663
Deposit with MICB 508,647
Deposit with other banks 5,841,016
MICB reserve requirement -
Reserve requirement -
Capital guarantee deposit -
Gross loan assets 2,026,509
Loan assets MMK 2,026,509
Loan assets USD -
Loan assets THB -
Less specific provision -
Net loan assets 2,026,509
Prepayment and int. receivable 116,669
Prepayment 81,026
Interest receivable - MMK 35,643
Interest receivable - USD -
Interest receivable - THB -
Interest receivable - EUR -
Other assets 27,656
Investment -
Total fixed assets 466,265
Fixed assets under constr/develop -
Fixed assets under const-tangible -
Fixed assets under const-intangible -
Intangible assets -
Accu. amortization-intangible assets -
Land -
Building -
Other tangible assets 466,265
Accu. depre-building & tangible assets (93,885)
Net fixed assets 372,380
Total assets 9,219,599
Liabilities  
Total deposits 138,251
Withholding tax 28,992
Accrued expenses and other liabilities 1,447,297
Health insurance fund 1,030
General provision on loan 40,530
Staff pension fund -
Subordinate debts -
Short-term loans -
Long-term loans -
Total liabilities 1,656,100
Equity  
Share capital 8,138,352
Position account foreign exchange -
Capacity building (grant by ACL) -
General reserves -
Retained earning previous period (644,444)
Net income current year 69,590
Total equity 7,563,499
Inter-branch balance -
Total liabilities & equity 9,219,599

Income Statement (Unaudited)
November 30, 2013

Description Amounts in USD
Interest on micro 1 business loan 12,322
Interest on micro 2 business loan 31,088
Interest on micro 3 business loan 554
Interest on personal loan -
Interest on bad & doubtful loans -
Interest on bank deposit 3,345
Income on investment and trading securities -
Total interest income 47,309
Commission received on remittance -
Western union -
Loan fee 429
Payroll service -
Foreign currency exchange -
Trade finance -
Fees received on e-banking system -
Others commission income -
Income from sale of check book 671
Service chrg/penalty saving 1
Consultancy incomes -
Miscellaneous income 5
Recovery on loan prev chrg-off -
Total other revenues 1,107
Total financial income 48,416
Financial cost  
Interest expense on debts- MMK -
Interest expense on debts - USD -
Interest expense on debts - THB -
Interest expense on debts - EUR -
Interest on deposits 528
Total financial cost 528
Gross financial result 47,888
Loan loss expense (11,506)
Provision for loan - MMK (11,506)
Provision for loan - USD -
Provision for loan - THB -
Provision for accrued interest -
ATM/credit card provision expense -
Currency translation expenses (6,219)
Financial margin 30,162
Operational cost  
Total salaries 129,414
Health insur. & social welfare fund exp. 942
Other insurance expenses 258
Employee train-work related expenses 11,076
Depreciation expenses 12,491
Purchases of FF and equipments 2,606
ATM/credit card expenses -
Motor vehicle operating expenses 52
Repair and maint exp-FF and equipment 171
Publicity expenses 278
Advertising and promotion expense -
Rentals charges 14,252
Contribute to employee pension fund 1,535
Employee uniform expense 1,776
Other employee expenses -
Litigation Expense -
Bank charges 8
Fees & commission paid to bank -
Swift expense -
Office supplies 3,709
Other miscellaneous expenses 559
Printing & forms expenses 1,084
Other taxes expenses -
Telecommunication charges 1,056
Travel charges 4,125
Utilities charges 1,043
Disposal of fixed assets -
Bank license fees 898
External advice / audit fee -
Board of director expenses 1,000
Total administrative expense 188,334
Pre-tax financial income (158,171)
Tax on P&L on ordinary activities -
Net profit (loss) after taxes (158,171)
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