Financial Performance

 
       Financial Performance

 

 
FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2008
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FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2007
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FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2006
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  Dec 2009 Dec 2008
Number of Borrowers 224,708 226,262
     
Operating Provinces 14 14
     
Operating Districts 91 75
     
Operating Village 4,708 3,490
     
% of Women Borrowers 84% 83%
     
Staff 964 768
     
Total Assets KHR 297,800 Million KHR 284,436 Million
     
Loan Portfolio [1] KHR 221,570 Million KHR 222,640 Million
     
Equity plus Quasi Equity [2] KHR 72,375 Million KHR 59,687 Million
     
Net Income / Average Total Assets 5.80% 6.5%
     
Net Income / Net Financial Income 24.5% 31.6%
     
Operational Self-Sufficiency [3] 129% 145%
     
Financial Self-Sufficiency [4] 124% 139%
     
Net Financial Income KHR 60,489 Million KHR 46,032 Million
     
Salary/ Net Financial Income 24% 20%
     
Borrowers per Credit Agent 511 540
     
Average Loan Outstanding
Per Credit Agent
KHR 503.6 Million KHR 410.3 Million
     
Portfolio at risk > 30 days [5]
(Total value of all principal outstanding on loans with late repayments)
3.71 % 0.49 %
     
Average amount per SC loan KHR 0.76 Million KHR 0.65 Million
     
Average amount per IC loan KHR 2.19 Million KHR 2.40 Million
     
Exchange Rate KHR 4,169 per USD KHR 4,081 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
     
 
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