ACLEDA MFI Myanmar Co., Ltd.

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Financial Statements for June 2015


Balance Sheet (Unaudited)
June 30, 2015

Description Amounts in USD
ASSETS  
Total cash 68,628
Cash - MMK 68,313
Cash - USD 315
Bank deposits 11,360
Deposit with other banks 10,617
ST Deposit with other banks -
Current Deposit with other banks 10,617
Deposit with central bank 743
ST Deposit with MICB -
Current Deposit with MICB 743
CBM reserve requirement -
Reserve requirement -
Capital guarantee deposit -
Gross loan assets 8,572,389
Micro1 Business Loan 1,179,962
Micro2 Business Loan 7,391,427
Micro3 Business Loan 999
Personal Loan -
Less specific provision (249)
Net loan assets 8,572,140
Prepayment and int. receivable 567,807
Prepayment 438,803
Interest receivable - MMK 129,004
Interest receivable - USD -
Other assets 1,623
Total fixed assets 456,543
Intangible assets -
Accu. amortization-intangible assets -
Tangible assets 456,543
Accu. depre-building & tangible assets (322,008)
Net fixed assets 134,535
Total assets 9,356,093
LIABILITIES  
Total deposits 308,181
Withholding tax 39,270
Accrued expenses and other liabilities 933,641
Health insurance fund 2,331
General provision on loan 171,443
Staff pension fund -
Total liabilities 1,454,866
EQUITY  
Share capital 7,207,207
Capacity Building (Grant by ACL) -
General Reserves 148,138
Retained earning previous period 444,413
Currency translation reserve (1,562)
Net income current year 103,031
Total equity 7,901,227
Inter-branch balance -
Total liabilities & equity 9,356,093

Income Statement (Unaudited)
June 30, 2015

Description Amounts in USD
Interest on micro1 business loan 28,950
Interest on micro2 business loan 183,101
Interest on micro3 business loan 19
Interest on personal loan -
Interest on bad & doubtful loans 277
Interest on bank deposit -
Income on investment and trading securities -
Total interest income 212,348
Commission received on remittance -
Western Union -
Loan fee 13,048
Payroll service -
Foreign exchange -
Trade finance -
Fees received on e-banking system -
Others commission income -
Income from sale of check book 424
Service chrg/penalty saving 349
Consultancy incomes -
Miscellaneous income -
Recovery on loan prev chrg-off -
Total other revenues 13,822
Total financial income 226,169
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 3,623
Total financial cost 3,623
Gross financial result 222,546
Loan loss expense (3,280)
Provision for loan - MMK (3,280)
Provision for loan - USD -
Provision for loan - THB -
Provision for accrued interest -
ATM/Credit card provision expense -
Currency translation expenses (11,571)
Financial margin 207,695
Operational cost  
Total salaries 33,681
Health insur. & social welfare fund exp. 2,165
Other insurance expenses 290
Employee train-work related expenses -
Depreciation expenses 12,488
Purchases of FF and equipments 185
ATM/Credit card expenses -
Motor vehicle operating expenses 314
Repair and maint exp-FF and equipment 180
Publicity expenses 343
Advertising and promotion expense -
Rentals charges 14,297
Contribute to employee pension fund 1,680
Employee uniform expense 1,580
Other employee expenses 909
Litigation expenses -
Bank charges 34
Fees & commission paid to bank -
Swift expense -
Office supplies 1,899
Other miscellaneous expenses 802
Printing & forms expenses 920
Other taxes expenses -
Telecommunication charges 932
Travel charges 4,687
Utilities charges 1,855
Disposal of fixed assets -
ACLEDA Bank MSA 73,263
Bank license fees 601
External advice / audit fee (90)
Board of director expenses 7,004
Total administrative expense 160,017
Profit before capacity building grants income 47,678
Capapcity building grants income (IFC) -
Capapcity building grants income (KfW) -
Capapcity building grants income (COFIBRED) -
Total capacity building grants -
Profit before income tax 47,678
Income tax expense 11,919
Net profit (loss) after taxes 35,758
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