Financial Statements 2014
2015-Dec-30 15:26 [Viewed : 1728]

Quarterly Financial Statements​ 2014

Exchange rate as at Mar 2014  1 USD = KHR 4,015

INCOME STATEMENT
(Un-audited)

TOTAL
(Year 2014, Q1)

 

1st QUARTER
(Jan to Mar 2014)

 

US$

 

US$

Interest income

6,734,117

 

6,734,117

Interest expenses

(1,719,090)

 

(1,719,090)

Net interest income

5,015,028

 

5,015,028

Fee and commision expenses

(498,123)

 

(498,123)

Other incomes

292,753

 

292,753

Total operating expenses

(3,773,014)

 

(3,773,014)

Provision for bad and doubtful loans

(130,518)

 

(130,518)

Profit before income taxes

906,126

 

906,126

Income tax expenses

(179,358)

 

(179,358)

Net profit for the year

726,768

 

726,768

       

BALANCE SHEET (Un-audited)

 

 

1st Quarter

As at 31 Mar 2014

   

US$

ASSETS

     

Cash on hand

   

3,452,941

Deposits with National Bank of Cambodia

   

2,625,867

Deposits and placements with other banks

   

8,935,693

Loans to customers (Net)

   

82,980,151

Other assets

   

2,706,168

Property and equipment

   

2,347,489

Intangible assets

   

494,621

Deferred tax assets

   

371,752

TOTAL ASSETS

   

103,914,681

LIABILITIES AND EQUITY

     

Liabilities

     

Deposits from customers

   

22,553,736

Provision for income tax

   

114,122

Other liabilities

   

3,060,071

Borrowings

   

55,621,745

Provision for staff pension funds

   

1,518,084

Total liabilities

   

82,867,758

Shareholders' equity

     

Share capital

   

8,749,016

Share premium

   

37,237

Reserves

   

2,129,989

Retained earnings

   

10,130,682

Total shareholders' equity

   

21,046,923

TOTAL LIABILITIES AND EQUITY

   

103,914,681

Quarterly Financial Statements​ 2014

Exchange rate as at​ Jun2014    1 USD = KHR 4,040

INCOME STATEMENT (Un-audited)

Total
(Q1+Q2)

 

2nd Quarter

For the period: Apr to Jun 2014

US$

 

US$

Interest income

13,868,630

 

7,176,184

Interest expenses

(3,625,131)

 

(1,916,679)

Net interest income

10,243,499

 

5,259,505

Fee and commision expenses

(997,905)

 

(502,865)

Other incomes

537,645

 

246,703

Total operating expenses

(7,598,206)

 

(3,848,539)

Provision for bad and doubtful loans

(247,887)

 

(118,176)

Profit before income taxes

1,937,146

 

1,036,628

Income tax expenses

(388,614)

 

(210,366)

Net profit for the year

1,548,532

 

826,262

       

BALANCE SHEET (Un-audited)

 

 

2nd Quarter

As at 31 Jun 2014

   

US$

ASSETS

     

Cash on hand

   

3,906,535

Deposits with National Bank of Cambodia

 

5,325,679

Deposits and placements with other banks

 

13,197,998

Loans to customers (Net)

   

85,207,425

Other assets

   

2,488,454

Property and equipment

   

2,542,679

Intangible assets

   

439,909

Deferred tax assets

   

369,451

TOTAL ASSETS

   

113,478,131

LIABILITIES AND EQUITY

     

Liabilities

     

Deposits from customers

   

28,131,986

Provision for income tax

   

249,779

Other liabilities

   

3,599,444

Borrowings

   

58,153,040

Provision for staff pension funds

   

1,600,938

Total liabilities

   

91,735,186

Shareholders' equity

     

Share capital

   

8,694,876

Share premium

   

37,006

Reserves

   

2,116,808

Retained earnings

   

10,894,254

Total shareholders' equity

   

21,742,944

TOTAL LIABILITIES AND EQUITY

   

113,478,131

Quarterly Financial Statements​ 2014

Exchange rate as at​ Sep 2014       1 USD = KHR 4,085

 

INCOME STATEMENT
(Un-audited)

Total
(Q1+Q2+Q3)

 

3rd Quarter

For the period: Jul to Sep 2014

US$

 

US$

Interest income

21,182,527

 

7,466,672

Interest expenses

(5,479,612)

 

(1,894,415)

Net interest income

15,702,915

 

5,572,257

Fee and commision expenses

(1,532,966)

 

(546,054)

Other incomes

861,047

 

329,324

Total operating expenses

(11,410,364)

 

(3,895,859)

Provision for bad and doubtful loans

(393,857)

 

(148,701)

Profit before income taxes

3,226,774

 

1,310,967

Income tax expenses

(642,531)

 

(258,198)

Net profit for the year

2,584,243

 

1,052,769

       

BALANCE SHEET (Un-audited)

 

 

3rd Quarter

As at 30 Sep 2014

   

US$

ASSETS

     

Cash on hand

   

5,084,431

Deposits with National Bank of Cambodia

 

4,339,378

Deposits and placements with other banks

 

6,529,437

Loans to customers (Net)

   

91,469,101

Other assets

   

2,419,961

Property and equipment

   

2,519,280

Intangible assets

   

416,095

Deferred tax assets

   

376,243

Total Assets

   

113,153,925

LIABILITIES AND EQUITY

     

Liabilities

     

Deposits from customers

   

33,949,671

Provision for income tax

   

440,016

Other liabilities

   

4,069,012

Borrowings

   

50,484,851

Provision for staff pension funds

   

1,654,180

Total liabilities

   

90,597,730

Shareholders' equity

     

Share capital

   

8,599,094

Share premium

   

36,598

Reserves

   

2,093,489

Retained earnings

   

11,827,013

Total shareholders' equity

   

22,556,195

TOTAL LIABILITIES AND EQUITY

   

113,153,925

Quarterly Financial Statements​ 2014

Exchange rate as at Dec 2014          1 USD = KHR 4,075

INCOME STATEMENT (Un-audited)

Total
(Q1+Q2+Q3+Q4)

 

4th Quarter

For the period: Oct to Dec 2014

US$

 

US$

Interest income

29,263,155

 

8,028,646

Interest expenses

(7,394,762)

 

(1,901,703)

Net interest income

21,868,393

 

6,126,943

Fee and commision expenses

(2,216,592)

 

(679,864)

Other incomes

1,218,703

 

355,543

Total operating expenses

(15,286,643)

 

(3,848,278)

Provision for bad and doubtful loans

(537,511)

 

(142,687)

Profit before income taxes

5,046,350

 

1,811,657

Income tax expenses

(1,043,010)

 

(398,903)

Net profit for the year

4,003,339

 

1,412,754

       

BALANCE SHEET (Un-audited)

 

 

4th Quarter

As at 31 Dec 2014

   

US$

ASSETS

     

Cash on hand

   

6,283,015

Deposits with National Bank of Cambodia

 

6,218,198

Deposits and placements with other banks

 

5,348,265

Loans to customers (Net)

   

95,294,128

Other assets

   

2,448,608

Property and equipment

   

2,745,668

Intangible assets

   

369,733

Deferred tax assets

   

447,067

Total Assets

   

119,154,681

LIABILITIES AND EQUITY

     

Liabilities

     

Deposits from customers

   

39,290,526

Provision for income tax

   

828,766

Other liabilities

   

4,348,435

Borrowings

   

48,872,096

Provision for staff pension funds

   

1,790,556

Total liabilities

   

95,130,379

Shareholders' equity

     

Share capital

   

8,620,196

Share premium

   

36,688

Reserves

   

2,755,394

Retained earnings

   

12,612,024

Total shareholders' equity

   

24,024,302

TOTAL LIABILITIES AND EQUITY

   

119,154,681

 

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