Financial Highlights

STATEMENT OF INCOME THE YEAR ENDED DECEMBER 2012 AND DECEMBER 2013

December 2013 December 2012
KHR’000 USD KHR’000 USD
Interest income 7,403,894 1,853,290 9,885,264 2,474,409
Interest expense (1,478,502) (370,088) (1,985,627) (497,028)
Net interest income 5,925,392 1,483,202 7,899,637 1,977,381
Fees and commissions expenses (66,261) (16,586) (65,462) (16,386)
Other operating income (338,313) (84,684) 564,797 141,376
Personnel expenses (4,054,462) (1,014,884) (4,238,495) (1,060,950)
Depreciation and amortization (114,960) (28,776) (141,898) (35,519)
General and administrative expenses (1,624,282) (406,579) (2,046,670) (512,308)
Operating income (272,886) (68,307) 1,971,909 493,594
Reversal of bad and doubtful loans 322,301 80,676 88,761 22,218
Profit before income tax 49,415 12,369 2,060,670 515,812
Income tax expense (44,109) (11,041) (516,581) (129,307)
Profit for the year 5,306 1,328 1,544,089 386,505

BALANCE SHEET THE YEAR ENDED DECEMBER 2012 AND DECEMBER 2013

December 2013 December 2012
KHR’000 USD KHR’000 USD
Assets
• Cash on hand 63,345 15,856 64,900 16,245
• Balances with the Central Bank 200,865 50,279 200,713 50,241
• Balances with other banks 1,780,424 445,663 985,624 246,714
• Loans to customers 19,079,225 4,775,776 26,543,106 6,644,082
• Other Assets 1,771,203 443,355 754,731 188,919
• Property and Equipment 82,585 20,672 116,590 29,184
• Intangible Assets 26,631 6,666 58,223 14,574
• Deferred tax assets 356,865 89,328 243,475 60,945
Total Assets 23,361,143 5,847,595 28,967,362 7,250,904
Liabilities
• Compulsory Deposits 1,088,510 272,468 1,414,647 354,104
• Current Tax Liabilities 132,694 33,215 443,605 111,040
• Other Liabilities 815,859 204,220 1,708,622 427,690
• Borrowings 10,765,235 2,694,677 14,995,642 3,753,603
• Provision for provident fund
and severance pay
1,112,112 278,376 963,419 241,156
Total Liabilities 13,914,410 3,482,956 19,525,935 4,887,593
Equity
Share capital 3,995,000 1,000,000 3,995,000 1,000,000
Reverses 1,307,400 327,259 1,305,806 326,860
Subordinated debts 2,046,631 512,298 2,046,631 512,298
Retained earnings 2,097,702 525,082 2,093,990 524,153
Total Equity 9,446,733 2,364,639 9,441,427 2,363,311
Total Liability and Equity 23,361,143 5,847,595 28,967,362 7,250,094
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