|
| |
| FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2008 |
| click
here to download the whole report |
| |
| FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2007 |
| click
here to download the whole report |
| |
| FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2006 |
| click
here to download the whole report |
| |
| |
| |
June 2010 |
Dec 2009 |
|
|
|
| Number of Borrowers |
214,942 |
224,708 |
|
|
|
| |
|
|
|
|
|
| Operating Provinces |
14 |
14 |
|
|
|
| |
|
|
| Operating Districts |
94 |
91 |
| |
|
|
|
|
|
| Operating Village |
4,905 |
4,708 |
|
|
|
| |
|
|
|
|
|
| % of Women Borrowers |
84% |
84% |
|
|
|
| |
|
|
|
|
|
| Staff |
1,087 |
964 |
|
|
|
| |
|
|
|
|
|
| Total Assets |
KHR 308,540 Million |
KHR 296,293 Million |
|
|
|
| |
|
|
|
|
|
| Loan Portfolio [1] |
KHR 222,687 Million |
KHR 221,570 Million |
|
|
|
| |
|
|
|
|
|
| Equity plus Quasi Equity [2] |
KHR 80,593 Million |
KHR 71,256 Million |
|
|
|
| |
|
|
|
|
|
| Net Income / Average Total Assets |
2.8% |
4.4% |
|
|
|
| |
|
|
|
|
|
| Net Income / Net Financial Income |
28.4% |
22.05% |
|
|
|
| |
|
|
|
|
|
| Operational Self-Sufficiency [3] |
136% |
125% |
|
|
|
| |
|
|
|
|
|
| Financial Self-Sufficiency [4] |
129% |
119% |
|
|
|
| |
|
|
|
|
|
| Net Financial Income |
KHR 29,177 Million |
KHR 60,005 Million |
|
|
|
| |
|
|
|
|
|
| Salary/ Net Financial Income |
26.3% |
21% |
|
|
|
| |
|
|
|
|
|
| Borrowers per Credit Agent |
418 |
511 |
|
|
|
| |
|
|
|
|
|
Average Loan Outstanding
Per Credit Agent |
KHR 443 Million |
KHR 503.57 Million |
|
|
|
| |
|
|
|
|
|
Portfolio at risk > 30 days [5]
(Total value of all principal outstanding on loans with late
repayments) |
2.0% |
3.71 % |
|
|
|
| |
|
|
|
|
|
| Average amount per SC loan |
KHR 0.78 Million |
KHR 0.76 Million |
| |
|
|
| Average amount per IC loan |
KHR 2.41 Million
|
KHR 2.18 Million |
|
|
|
| |
|
|
| Exchange Rate |
KHR 4,226 per USD |
KHR 4,169 per USD |
| |
|
|
| Note: |
| [1] Loan Portfolio: Gross Loan Outstanding |
| [2] Equity plus Quasi Equity: Total Equity includes Subordinated Debt |
| [3] Operational Self-Sufficiency = Financial Income / (Financial Expense + Operational Expense + Loan Loss Provision) |
| [4] Financial Self-Sufficiency = Financial Income / (Financial Expense + Operational Expense + Loan Loss Provision+(Average Equity - Average Fixed Asset) * Inflation Rate) |
| [5] Portfolio-at-Risk > 30 Days = (Portfolio at Risk >30 Days to 365 Days (of overdue principle) + Restructure Loan) / Gross Loan Portfolio |
|
| |
|
|