Financial Performance

Financial Performance

2013

2014

2015

Q4- 2016

Total Asset ( KHR'Million)

        31,044

        40,086

        48,381

        47,841

Total Equity (KHR'Million)

         6,909

         8,400

         7,894

         10,116

Net Profit (loss) after taxes (KHR'000)

      373,485

  (554,944)

 (505,724)

    416,100

Debt-to-Equity Ratio

3.49

3.11

             3.93

3.00

Capital Adequacy Ratio

23.19%

20.90%

      16.95%

22.31%

Net Open Position Ratio

10.70%

19.22%

      18.78%

10.73%

Risk Coverage Ratio

57.95%

85.14%

      77.35%

75.08%

Loan Yield

47.11%

43.07%

45.34%

45.74%

Financial Expense Ratio

7.13%

8.16%

9.86%

9.86%

Operating Expense Ratio

37.39%

35.75%

33.20%

31.09%

Provision Expense Ratio

0.20%

0.57%

2.38%

2.79%

Operational Self-sufficiency

106.0%

96.06%

97.3%

103.4%

Return on Assets

1.2%

(1.6%)

(1.1%)

0.9%

Return on Equity

6.0%

(7.2%)

(6.2%)

4.6%