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 »  Financial Information  »  Audited Financial Statements  »  For the year ended 2018

Audited Financial Statements

Consolidated Income Statement

For the year ended December 31, 2018

  2018 2017 2018 2017
US$ US$ KHR'000 KHR'000
Interest income 423,256,184 425,345,629 1,700,643,347 1,717,120,304
Interest expense (151,404,682) (149,641,260) (608,344,012) (604,101,767)
Net interest income 271,851,502 275,704,369 1,092,299,335 1,113,018,537
Fee and commission income 64,413,418 58,862,019 258,813,114 237,625,971
Fee and commission expense (749,501) (2,867,061) (3,011,495) (11,574,325)
Net fee and commission income 63,663,917 55,994,958 255,801,619 226,051,646
Provision for loan losses and balances with other banks (40,711,110) (34,250,324) (163,577,240) (138,268,558)
Provision for off balance sheet commitments 142,248 (1,814,620) 571,552 (7,325,621)
Net provision for loan losses and off balance sheet commitments (40,568,862) (36,064,944) (163,005,688) (145,594,179)
Net income after provision 294,946,557 295,634,383 1,185,095,266 1,193,476,004
Other incomes 14,933,916 10,601,824 60,004,474 42,799,563
Personnel expenses (125,922,231) (112,238,869) (505,955,524) (453,108,314)
General and administrative expenses (51,865,658) (52,308,736) (208,396,214) (211,170,367)
Depreciation charges (21,934,848) (21,265,226) (88,134,219) (85,847,717)
Amortisation charges (3,550,055) (4,051,084) (14,264,121) (16,354,226)
  (203,272,792) (189,863,915) (816,750,078) (766,480,624)
Profit before income tax 106,607,681 116,372,292 428,349,662 469,794,943
Income tax expenses (22,598,413) (23,844,294) (90,800,423) (96,259,415)
Profit for the year 84,009,268 92,527,998 337,549,239 373,535,528
Attributable to:        
Equity holders of the Bank 84,009,268 91,684,504 337,549,239 370,130,343
Non-controlling interest - 843,494 - 3,405,185
  84,009,268 92,527,998 337,549,239 373,535,528

Consolidated Balance Sheet

As at December 31, 2018

  2018 2017 2018 2017
US$ US$ KHR'000 KHR'000
ASSETS        
Cash on hand 407,864,703 321,744,245 1,638,800,377 1,298,881,517
Balances with the Central Banks 1,470,592,514 1,497,133,324 5,908,840,721 6,043,927,229
Balances with other banks 26,567,692 120,254,917 106,748,986 485,469,100
Loans and advances to customers 3,513,593,815 3,085,214,651 14,117,619,949 12,455,011,546
Other assets 51,351,402 49,569,779 206,329,935 200,113,198
Statutory deposits 248,880 307,159 1,000,000 1,240,000
Property and equipment 137,862,097 133,328,287 553,929,906 538,246,295
Intangible assets 11,197,887 11,340,345 44,993,110 45,780,973
Deferred tax assets 21,939,917 25,321,024 88,154,587 102,220,974
Other investments 153,529 153,529 616,880 619,797
TOTAL ASSETS 5,641,372,436 5,244,367,260 22,667,034,451 21,171,510,629
LIABILITIES AND EQUITY        
LIABILITIES        
Due to other banks 286,941,309 212,455,089 1,152,930,180 857,681,194
Deposits from customers 3,548,889,040 3,117,209,726 14,259,436,163 12,584,175,664
Provision for off balance sheet commitments 1,666,147 1,814,620 6,694,579 7,325,621
Other liabilities 103,963,704 86,097,342 417,726,163 347,574,970
Borrowings 784,671,879 906,378,182 3,152,811,610 3,659,048,721
Subordinated debts 77,101,490 108,684,090 309,793,787 438,757,671
Current income tax liabilities 13,810,997 23,971,605 55,492,586 96,773,369
Employee benefits 17,952,505 47,541,284 72,133,165 191,924,164
TOTAL LIABILITIES 4,834,997,071 4,504,151,938 19,427,018,233 18,183,261,374
EQUITY        
Share capital 395,224,105 358,544,956 1,588,010,454 1,447,445,987
General reserves 348,162,806 302,148,410 1,398,918,155 1,219,773,131
Currency translation reserves (6,741,470) (2,512,499) (27,087,226) (10,142,958)
Other reserves (14,279,344) (14,132,007) (57,374,404) (57,050,912)
Retained earnings 84,009,268 91,684,504 337,549,239 370,130,343
  806,375,365 735,733,364 3,240,016,218 2,970,155,591
Minority interest - 4,481,958 - 18,093,664
TOTAL EQUITY 806,375,365 740,215,322 3,240,016,218 2,988,249,255
TOTAL LIABILITIES AND EQUITY 5,641,372,436 5,244,367,260 22,667,034,451 21,171,510,629

Note:

  • You may find the detail audited financial statements in our annual reports.
  • These financial statements are audited by KPMG Cambodia Ltd.

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