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