Financial Performance

Financial Performance

2020

2021

Q4-22

Total Assets (KHR'Million)

167,077 164,766

184,873

Total Equity (KHR'Million)

42,347 43,191

42,483

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

3,888 844

-708

Debt-to-Equity Ratio

2.76 2.55

2.98

Capital Adequacy Ratio

30.90% 27.13%

23.75%

Net Open Position Ratio

9.72% -17.67%

-19.94%

Loan Yield

27.77% 24.63%

24.24%

Financial Expense Ratio

6.90% 7.01%

7.13%

Operating Expense Ratio

15.27% 13.56%

13.48%

Provision Expense Ratio

0.99% 3.17%

4.08%

Operational Self-Sufficiency

115.02% 102.64%

97.45%

Return on Assets

2.96% 0.54%

-0.41%

Return on Equity

15.29%
1.99%

-1.61%