Financial Info
| OPERATIONAL HIGHLIGHTS | Dec-18 | Dec-19 | Feb-20 |
| Number of Branches | 36 | 34 | 34 |
| Number of Sub Branches | 114 | 115 | 115 |
| Number of Villages | 12,614 | 12,675 | 12,683 |
| Coverage of total village in Cambodia | 89% | 90% | 90% |
| Number of Staff | 2,811 | 3,091 | 3,163 |
| Client Officers over Total Staff | 35% | 41% | 40% |
| Number of Total Active Client Accounts | 765,058 | 912,113 | 907,871 |
| Number of Active Loan Accounts | 359,681 | 398,465 | 402,441 |
| Group Loan Account | 78% | 74% | 73% |
| Individual Loan Account | 22% | 26% | 27% |
| Loan Portfolio (USD) | $ 252,910,502 | $ 326,836,739 | $ 342,581,819 |
| Group Loans | 44% | 51% | 50% |
| Individual Loans | 56% | 49% | 50% |
| Active Loan Account / Avg. Client Officer | 346 | 315 | 320 |
| Loan Outstanding/Avg. Client Officer (USD) | $ 239,546 | $ 258,165 | $ 272,648 |
| Number of Active Depositor accounts | 793,526 | 1,359,755 | 946,244 |
| Number of Depositors with Outstanding Loan | 388,149 | 380,872 | 402,441 |
| Deposit Balance (USD) | $ 158,786,976 | $ 178,882,153 | $ 178,680,608 |
| Number of ATM / CDM | 61 | 56 | 56 |
| Number of Active Micro Insurance | 285,646 | 328,968 | 334,939 |
| FINANCIAL HIGHLIGHTS | |||
| Net Profit (after tax, USD) | $ 6,659,344 | $ 7,767,179 | $ 1,220,534 |
| Operational Self Sufficiency (OSS) | 115.8% | 117.5% | 115.5% |
| Return on Assets (RoA) | 2.1% | 2.0% | 1.7% |
| Adjusted RoA (Less B2B) | 2.2% | 2.2% | 1.8% |
| Return on Equity (RoE) | 15.3% | 13.8% | 10.5% |
| Average Cost of Funds | 6.9% | 6.6% | 6.2% |
| Leverage Ratio (Debt to Equity) | 4.99 | 4.33 | 4.34 |
| PAR 30 Days | 1.09% | 0.86% | 0.91% |
| Write off Ratio | 1.14% | 0.56% | 0.04% |
| SOCIAL HIGHLIGHTS | |||
| Loan Highlights | |||
| Average Loan Size / GNI per Capita (loan disbursed) | 91.7% | 84.1% | 86.8% |
| Percent of Loans ≤USD 500 | 21.5% | 17.6% | 16.7% |
| Average Outstanding Loan Per Loan Account (USD) | $ 692 | $ 820 | $ 851 |
| Group Loan Account | $ 518 | $ 571 | $ 582 |
| Individual Loan Account | $ 1,377 | $ 1,514 | $ 1,593 |
| Average Loan Disbursed (USD) | $ 926 | $ 1,206 | $ 1,244 |
| Group Loan Account | $ 662 | $ 798 | $ 814 |
| Individual Loan Account | $ 1,926 | $ 2,211 | $ 2,364 |
| Deposit Highlights | |||
| Average Deposit Balance / GNI per Capita | 19.8% | 9.2% | 9.2% |
| Percentage of Deposits with Balance ≤USD 300 | 97.4% | 98.4% | 98.5% |
| Average Deposit Per Saving Account (USD) | $ 200 | $ 132 | $ 132 |
| Money Transfer Highlights | |||
| Number of Money Transfer ≤USD 300 | 48,181 | 29,295 | 33,524 |
| Average Transfer Balance/GNI per Capita | 30.5% | 20.7% | 13.4% |
| Other Social Highlights | |||
| Women Borrowers as Percentage of Total | 81.3% | 81.0% | 80.9% |
| Rural Borrowers as Percentage of Total | 93.1% | 95.0% | 95.1% |
| Drop-out Rate** | 21.6% | 29.4% | 3.6% |
As of Q2 2024
