Financial Statements 2013
2016-Mar-29 14:37 [Viewed : 1717]

INCOME STATEMENT(Un-audited)

 

1st Quarter 2013

For the period: January to March 2013

 

Riel'000

 

US$

Interest income

 

21,570,775

 

5,399,443

Interest expenses

 

(5,971,910)

 

(1,494,846)

Net interest income

 

15,598,865

 

3,904,597

Fee and commission expenses

 

(1,534,554)

 

(384,119)

Other incomes

 

686,770

 

171,907

Total operating expenses

 

(11,346,969)

 

(2,840,293)

Provision for bad and doubtful loans

 

(308,367)

 

(77,188)

Profit before income taxes

 

3,095,745

 

774,905

Income tax expenses

 

(685,780)

 

(171,660)

Net profit for the year

 

2,409,965

 

603,245

         

BALANCE SHEET (Un-audited)

 

1st Quarter 2013

As at: 31 Mar 2013

 

KHR'000

 

US$

ASSETS

       

Cash on hand

 

7,017,659

 

1,756,611

Deposits with National Bank of Cambodia

 

8,457,814

 

2,117,100

Deposits and placements with other banks

 

57,737,309

 

14,452,393

Loans to customers

 

255,215,744

 

63,883,791

Other assets

 

8,168,518

 

2,044,685

Property and equipment

 

5,680,958

 

1,422,017

Intangible assets

 

1,982,144

 

496,156

Deferred tax assets

 

939,232

 

235,102

TOTAL ASSETS

 

345,199,378

 

86,407,854

LIABILITIES AND EQUITY

       

Liabilities

       

Deposits from customers

 

51,713,672

 

12,944,599

Provision for income tax

 

516,494

 

129,285

Other liabilities

 

9,691,095

 

2,425,806

Borrowings

 

208,326,025

 

52,146,690

Provision for staff pension funds

 

4,445,109

 

1,112,668

Total liabilities

 

274,692,395

 

68,759,048

Shareholders' equity

       

Share capital

 

34,881,325

 

8,731,245

Share premium

 

126,984

 

31,786

Reserves

 

5,928,121

 

1,483,885

Retained earnings

 

29,570,553

 

7,401,891

Total shareholders' equity

 

70,506,983

 

17,648,807

TOTAL LIABILITIES AND EQUITY

 

345,199,378

 

86,407,854

INCOME STATEMENT (Un-audited)

2nd Quarter 2013

For the period: April-June 2013

Riel'000

US$

Interest income

23,192,296

5,709,576

Interest expenses

(6,127,421)

(1,508,474)

Net interest income

17,064,875

4,201,102

Fee and commission expenses

(1,672,977)

(411,860)

Other incomes

788,769

194,182

Total operating expenses

(11,937,275)

(2,938,768)

Provision for bad and doubtful loans

(543,739)

(133,860)

Profit before income taxes

3,699,653

910,796

Income tax expenses

(790,832)

(194,690)

Net profit for the year

2,908,821

716,106

     

BALANCE SHEET (Un-audited)

2nd Quarter 2013

As at 30 June 2013

KHR'000

US$

ASSETS

   

Cash on hand

8,090,625

1,991,784

Deposits with National Bank of Cambodia

9,381,708

2,309,628

Deposits and placements with other banks

51,670,367

12,720,425

Loans to customers

275,409,229

67,801,386

Other assets

7,684,931

1,891,908

Property and equipment

6,663,603

1,640,473

Intangible assets

1,878,589

462,479

Deferred tax assets

660,537

162,614

TOTAL ASSETS

361,439,589

88,980,696

LIABILITIES AND EQUITY

   

Liabilities

   

Deposits from customers

65,531,344

16,132,778

Provision for income tax

792,262

195,042

Other liabilities

9,387,752

2,311,116

Borrowings

207,477,095

51,077,571

Provision for staff pension funds

4,835,331

1,190,382

Total liabilities

288,023,784

70,906,889

Shareholders' equity

   

Share capital

34,881,325

8,587,229

Share premium

126,984

31,261

Reserves

5,928,121

1,459,409

Retained earnings

32,479,375

7,995,907

Total shareholders' equity

73,415,805

18,073,807

TOTAL LIABILITIES AND EQUITY

361,439,589

88,980,696

INCOME STATEMENT (Un-audited)

Total
(Q1+Q2+Q3)

3rd Quarter

For the period: Jul to Sep 2013

US$

US$

Interest income

17,326,302

6,306,344

Interest expenses

(4,643,209)

(1,664,546)

Net interest income

12,683,093

4,641,798

Fee and commission expenses

(1,254,437)

(464,794)

Other incomes

585,561

222,306

Total operating expenses

(8,882,749)

(3,150,538)

Provision for bad and doubtful loans

(356,653)

(146,878)

Profit before income taxes

2,774,815

1,101,895

Income tax expenses

(575,894)

(212,376)

Net profit for the year

2,198,921

889,520

BALANCE SHEET (Un-audited)

 

3rd Quarter

As at 30 SEP 2013

 

US$

ASSETS

   

Cash on hand

 

2,766,210

Deposits with National Bank of Cambodia

 

4,739,132

Deposits and placements with other banks

9,678,391

Loans to customers

 

76,441,213

Other assets

 

2,004,536

Property and equipment

 

1,800,279

Intangible assets

 

418,078

Deferred tax assets

 

202,636

TOTAL ASSETS

 

98,050,476

LIABILITIES AND EQUITY

   

Liabilities

   

Deposits from customers

 

16,195,960

Provision for income tax

 

383,968

Other liabilities

 

2,794,960

Borrowings

 

58,367,625

Provision for staff pension funds

 

1,278,536

Total liabilities

 

79,021,049

Shareholders' equity

   

Share capital

 

8,647,784

Share premium

 

36,806

Reserves

 

1,459,409

Retained earnings

 

8,885,427

Total shareholders' equity

 

19,029,426

TOTAL LIABILITIES AND EQUITY

 

98,050,476

INCOME STATEMENT (Un-audited)

Total
(Q1+Q2+Q3+Q4)

4th Quarter

For the period: Oct to Dec 2013

US$

US$

Interest income

24,474,959

6,858,078

Interest expenses

(6,503,265)

(1,782,185)

Net interest income

17,971,694

5,075,893

Fee and commision expenses

(1,779,932)

(504,457)

Other incomes

771,649

176,268

Total operating expenses

(12,388,363)

(3,356,642)

Provision for bad and doubtful loans

(500,981)

(138,347)

Profit before income taxes

4,074,066

1,252,715

Income tax expenses

(764,951)

(179,399)

Net profit for the year

3,309,115

1,073,316

BALANCE SHEET (Un-audited)

 

4th Quarter

As at 31 Dec 2013

 

US$

ASSETS

   

Cash on hand

 

3,266,914

Deposits with National Bank of Cambodia

 

3,701,643

Deposits and placements with other banks

11,161,965

Loans to customers (Net)

 

78,446,547

Other assets

 

2,086,136

Property and equipment

 

2,038,378

Intangible assets

 

530,579

Deferred tax assets

 

373,613

TOTAL ASSETS

 

101,605,776

LIABILITIES AND EQUITY

   

Liabilities

   

Deposits from customers

 

18,712,365

Provision for income tax

 

668,792

Other liabilities

 

3,117,254

Borrowings

 

57,257,967

Provision for staff pension funds

 

1,427,514

Total liabilities

 

81,183,891

Shareholders' equity

   

Share capital

 

8,792,816

Share premium

 

37,423

Reserves

 

2,140,652

Retained earnings

 

9,450,994

Total shareholders' equity

 

20,421,884

TOTAL LIABILITIES AND EQUITY

 

101,605,776

 

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