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 »  Financial Information  »  Audited Financial Statements  »  For the year ended 2017

Audited Financial Statements

Consolidated Income Statement

For the year ended December 31, 2017

  2017 2016 2017 2016
  US$ US$ KHR'000 KHR'000
Interest income 425,345,629 411,925,807 1,717,120,304 1,662,944,483
Interest expense (149,641,260) (124,702,772) (604,101,767) (503,425,091)
Net interest income 275,704,369 287,223,035 1,113,018,537 1,159,519,392
Fee and commission income 58,862,019 52,863,407 237,625,971 213,409,574
Fee and commission expense (2,867,061) (4,736,575) (11,574,325) (19,121,553)
Net fee and commission income 55,994,958 48,126,832 226,051,646 194,288,021
Provision for loan losses (34,250,324) (13,655,023) (138,268,558) (55,125,328)
Provision for off balance sheet commitments (1,814,620) - (7,325,621) -
Net provision for loan losses and off balance sheet commitments (36,064,944) (13,655,023) (145,594,179) (55,125,328)
Net income after provision 295,634,383 321,694,844 1,193,476,004 1,298,682,085
Other incomes 10,601,824 10,814,975 42,799,563 43,660,054
Personnel expenses (112,238,869) (105,784,312) (453,108,314) (427,051,268)
General and administrative expenses (52,308,736) (42,142,228) (211,170,367) (170,128,174)
Depreciation charges (21,265,226) (22,888,987) (85,847,717) (92,402,841)
Amortisation charges (4,051,084) (3,311,079) (16,354,226) (13,366,826)
  (189,863,915) (174,126,606) (766,480,624) (702,949,109)
Profit before income tax 116,372,292 158,383,213 469,794,943 639,393,030
Income tax expenses (23,844,294) (31,014,485) (96,259,415) (125,205,476)
Profit for the year 92,527,998 127,368,728 373,535,528 514,187,554
Attributable to:
Equity holders of the Bank 91,684,504 126,886,969 370,130,343 512,242,694
Minority interest 843,494 481,759 3,405,185 1,944,860
  92,527,998 127,368,728 373,535,528 514,187,554

Consolidated Balance Sheet

As at December 31, 2017

  2017 2016 2017 2016
  US$ US$ KHR'000 KHR'000
ASSETS
Cash on hand 321,744,245 286,216,621 1,298,881,517 1,155,456,499
Balances with the Central Banks 1,497,133,324 1,239,883,281 6,043,927,229 5,005,408,806
Balances with other banks 120,254,917 86,820,790 485,469,100 350,495,529
Loans and advances to customers 3,085,214,651 2,841,390,830 12,455,011,546 11,470,694,781
Other assets 49,569,779 51,987,525 200,113,198 209,873,639
Statutory deposits 307,159 307,159 1,240,000 1,240,000
Property and equipment 133,328,287 125,990,861 538,246,295 508,625,106
Intangible assets 11,340,345 11,841,825 45,780,973 47,805,448
Deferred tax assets 25,321,024 20,133,459 102,220,974 81,278,774
Other investments 153,529 153,529 619,797 619,797
TOTAL ASSETS 5,244,367,260 4,664,725,880 21,171,510,629 18,831,498,379
LIABILITIES AND EQUITY
LIABILITIES
Due to other banks 212,455,089 361,414,079 857,681,194 1,459,028,637
Deposits from customers 3,117,209,726 2,764,757,416 12,584,175,664 11,161,325,689
Provision for off balance sheet commitments 1,814,620 - 7,325,621 -
Other liabilities 86,097,342 80,619,149 347,574,970 325,459,505
Borrowings 906,378,182 616,064,141 3,659,048,721 2,487,050,937
Subordinated debts 108,684,090 109,400,000 438,757,671 441,647,800
Current income tax liabilities 23,971,605 35,697,545 96,773,369 144,110,989
Employee benefits 47,541,284 35,983,909 191,924,164 145,267,041
TOTAL LIABILITIES 4,504,151,938 4,003,936,239 18,183,261,374 16,163,890,598
EQUITY
Share capital 358,544,956 307,763,911 1,447,445,987 1,242,442,909
General reserves 302,148,410 238,722,359 1,219,773,131 963,722,163
Currency translation reserves (2,512,499) (2,082,409) (10,142,958) (8,406,685)
Other reserves (14,132,007) (14,132,007) (57,050,912) (57,050,912)
Retained earnings 91,684,504 126,886,969 370,130,343 512,242,694
  735,733,364 657,158,823 2,970,155,591 2,652,950,169
Minority interest 4,481,958 3,630,818 18,093,664 14,657,612
TOTAL EQUITY 740,215,322 660,789,641 2,988,249,255 2,667,607,781
TOTAL LIABILITIES AND EQUITY 5,244,367,260 4,664,725,880 21,171,510,629 18,831,498,379

Note:

  • You may find the detail audited financial statements in our annual reports.
  • These financial statements are audited by PricewaterhouseCoopers (Cambodia) Ltd.

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