Financial Performance

Financial Performance

2016

2017

2018

Q3-2019

Total Assets (KHR' Million)

47,714 49,624 67,661 94,935

Total Equity (KHR'Million)

10,117 10,487 12,451 18,825

Net Profit/Loss after taxes (KHR'Million)

416,100 370,354 1,980,806 3,322,300

Debt-to-Equity Ratio

3.00 3.2 3.66 3.64

Capital Adequacy Ratio

22.31% 20.54% 18.65% 17.36%

Net Open Position Ratio

10.73% 17.04% 33.50% 2.29%

Risk Coverage Ratio

75.08% 75.20% 140.43% 182.97%

Loan Yield

46.51% 34.50% 32.82% 31.69%

Finance Expense Ratio

10.81% 8.75 8.38% 6.82%

Operating Expense Ratio

31.09% 25.80%  18.38% 16.15%

Provision Expense Ratio

2.79% 2.51% 1.83% 0.88%

Operational Self-sufficiency

103.40% 93.20% 113.3% 125.30%

Return on Assets

0.90% 0.76% 3.4% 4.21%

Return Equity

4.60%  3.60%  17.3%  21.66%