Financial Performance

Financial Performance

2014

2015

2016

2017

Q2-2018

Total Asset ( KHR'Million)

40,086

48,381

47,841

49,624

61,585

Total Equity (KHR'Million)

8,400

7,894

10,116

10,487

10,802

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

(554,944)

(505,724)

416,100

370,354

332,059

Debt-to-Equity Ratio

3.11 3.93

      3.00

3.2 3.8

Capital Adequacy Ratio

20.90% 16.95%

22.31%

20.54% 17.08%

Net Open Position Ratio

19.22% 18.78%

10.73%

17.04% 19.08%

Risk Coverage Ratio

85.14% 77.35%

    75.08%

75.20% 122.92%

Loan Yield

47.11%

43.07%

45.34%

34.5%

30.05%

Financial Expense Ratio

7.13%

8.16%

9.86%

8.8%

8.42%

Operating Expense Ratio

37.39%

35.75%

33.20%

25.8%

18.84%

Provision Expense Ratio

0.20%

0.57%

2.38%

2.5%

2.5%

Operational Self-sufficiency

96.06% 97.3% 103.4% 93.20% 105%

Return on Assets

(1.6%) (1.1%) 0.9% 0.76% 0.60%

Return on Equity

(7.2%) (6.2%) 4.6% 3.60% 3.12%