Financial InformationAudited Financial StatementsFor the year ended 2014

Audited Financial Statements

Income Statement

Consolidated Income Statement for the year ended December 31, 2014

  2014 2013
  US$ KHR'000 US$ KHR'000
Interest income 278,301,846 1,134,080,022 237,497,998 948,804,502
Interest expense (72,903,673) (297,082,467) (56,730,782) (226,639,474)
Net interest income 205,398,173 836,997,555 180,767,216 722,165,028
Provision for loan losses (9,326,930) (38,007,240) (6,223,095) (24,861,265)
Net interest income after provision for loan losses 196,071,243 798,990,315 174,544,121 697,303,763
Fee and commission income 31,920,469 130,075,911 27,590,443 110,223,820
Fee and commission expense (895,803) (3,650,397) (736,385) (2,941,858)
Net fee and commission income 31,024,666 126,425,514 26,854,058 107,281,962
Other income 6,717,798 27,375,027 6,081,431 24,295,317
Personnel expenses (81,129,588) (330,603,071) (65,827,056) (262,979,089)
General and administrative expenses (35,235,618) (143,585,143) (29,868,262) (119,323,707)
Depreciation charge (12,846,564) (52,349,748) (7,872,314) (31,449,894)
Amortisation charge (2,596,577) (10,581,051) (2,423,475) (9,681,783)
  (125,090,549) (509,743,986) (99,909,676) (399,139,156)
Profit before income tax 102,005,360 415,671,843 101,488,503 405,446,569
Income tax expenses (21,237,658) (86,543,456) (20,583,240) (82,230,044)
Profit for the year 80,767,702 329,128,387 80,905,263 323,216,525
Attributable to:
Equity holders of the Bank 80,369,228 327,504,605 79,717,179 318,470,130
Minority interest 398,474 1,623,782 1,188,084 4,746,395
  80,767,702 329,128,387 80,905,263 323,216,525

Balance Sheet

Consolidated Balance Sheet as at December 31, 2014

  2014 2013
  US$ KHR'000 US$ KHR'000
ASSETS
Cash on hand 205,947,006 839,234,049 154,488,282 617,180,687
Balances with the Central Bank 602,566,016 2,455,456,515 530,170,936 2,118,032,889
Balances with other banks 140,636,998 573,095,767 101,696,748 406,278,508
Loans and advances to customers 2,043,687,919 8,328,028,270 1,527,679,732 6,103,080,529
Other assets 31,590,404 128,730,898 26,358,512 105,302,255
Statutory deposits 245,399 1,000,000 250,313 1,000,000
Property and equipment 95,736,890 390,127,827 51,165,264 204,405,230
Intangible assets 10,213,547 41,620,204 9,980,335 39,871,438
Deferred tax assets 8,794,507 35,837,616 5,646,981 22,559,689
Other investments 353,529 1,440,631 353,529 1,412,348
TOTAL ASSETS 3,139,772,215 12,794,571,777 2,407,790,632 9,619,123,573
LIABILITIES
Due to other banks 266,517,620 1,086,059,302 193,611,138 773,476,496
Deposits from customers 2,003,372,911 8,163,744,612 1,515,985,264 6,056,361,130
Other liabilities 55,619,797 226,650,673 49,371,503 197,239,154
Borrowings 215,137,155 876,683,907 125,945,910 503,153,910
Subordinated debts 118,500,000 482,887,500 108,500,000 433,457,500
Provision for income tax 21,558,935 87,852,660 15,838,311 63,274,052
Employee benefits 17,917,141 73,012,350 12,293,543 49,112,704
TOTAL LIABILITIES 2,698,623,559 10,996,891,004 2,021,545,669 8,076,074,946
EQUITY
Share capital 225,535,605 919,057,590 185,671,857 741,759,069
General reserves 146,009,848 594,990,131 106,156,417 424,094,886
Currency translation reserves (416,044) (1,695,379) (934,005) (3,731,350)
Other reserves (14,132,007) (57,587,929) - -
Retained earnings 80,369,228 327,504,604 79,717,179 318,470,130
  437,366,630 1,782,269,017 370,611,448 1,480,592,735
Minority interest of subsidiaries 3,782,026 15,411,756 15,633,515 62,455,892
TOTAL EQUITY 441,148,656 1,797,680,773 386,244,963 1,543,048,627
TOTAL LIABILITIES AND EQUITY 3,139,772,215 12,794,571,777 2,407,790,632 9,619,123,573

Note:

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