Financial Statements as at 31 December 2018

Balance Sheet
As of 31 December 2018-Unaudited

	31 December 2018 US$ (Unaudited)	31 December 2017 US$ (Audited)
ASSETS
Cash on hand	67,916,384	43,744,709
Balances with the National Bank of Cambodia	168,970,016	124,540,739
Balances with other banks	7,871,412	19,095,478
Loans to customers	1,007,139,509	794,125,992
Other assets	18,454,873	16,848,396
Goodwill	17,380,030	17,380,030
Property and equipment	10,388,220	8,016,784
Intangible assets	1,376,637	943,246
Other investment	50,000	50,000
Deferred tax assets	4,994,518	3,048,924
TOTAL ASSETS	1,304,541,598	1,027,794,298
LIABILITIE AND SHAREHOLDERS' EQUITY
LIABILITIES
Deposits from customers and other financial institutions	804,699,381	618,172,253
Borrowings	253,817,389	214,788,333
Subordinated debts	30,000,000	13,000,000
Provident fund	12,923,876	10,378,502
Current income tax liabilities	6,023,627	4,444,141
Other liabilities	19,867,047	12,831,662
Total Liabilities	1,127,331,320	873,614,890
SHAREHOLDERS' EQUITY
Share capital	120,000,000	120,000,000
Retained earnings	57,210,279	34,179,408
Total Shareholders’ equity	177,210,279	154,179,408
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	1,304,541,598	1,027,794,298

Income Statement
For the period from 1 January 2018 to 31 December 2018-Unaudited

	1 January to 31 December 2018 US$ (Unaudited)	1 January to 31 December 2017 US$ (Audited)
Operating income
Interest income	130,966,956	115,992,555
Interest expense	(51,616,010)	(49,463,241)
Net interest income	79,350,946	66,529,314
Net fees and commissions	6,719,521	4,884,930
Other income	1,452,245	816,381
Total operating profit	87,522,712	72,230,625
Allowance for bad and doubtful loans	(7,149,332)	(4,871,366)
Other operating expenses	(52,317,648)	(43,553,649)
Profit before income tax	28,055,732	23,805,609
Income tax expense	(5,024,861)	(5,219,570)
Net profit for the period	23,030,871	18,586,040