Interim Financial Statements as at 30 June 2018

Balance Sheet

As at 30 June 2018- Unaudited

	30 June 2018 US$ (Unaudited)	31 December 2017 US$ (Audited)
ASSETS
Cash on hand	66,004,187	43,744,709
Balances with the National Bank of Cambodia	190,647,734	124,540,739
Balances with other banks	12,418,268	19,095,480
Loans to customers	854,079,125	794,125,991
Other assets	17,987,779	16,848,396
Goodwill	17,380,030	17,380,030
Property and equipment	9,684 ,868	8,016,784
Intangible assets	738,891	943,246
Other investment	50,000	50,000
Deferred tax assets	3,048,924	3,048,924
TOTAL ASSETS	1,172,039,806	1,027,794,299
LIABILITIES AND SHAREHOLDERS' EQUITY
LIABILITIES
Deposits from customers and other financial institutions	697,650,478	618,172,252
Borrowings	267,749,255	214,788,333
Subordinated debts	13,000,000	13,000,000
Provident fund	11,771,546	10,378,502
Current income tax liabilities	2,765,032	4,444,141
Other liabilities	12,453,967	12,831,664
Total Liabilities	1,005,390,278	873,614,892
SHAREHOLDERS' EQUITY
Share capital	120,000,000	120,000,000
Retaining earning	46,649,529	34,179,407
Total shareholders’ equity	166,649,529	154,179,407
TOTAL LIABILITIES AND EQUITY	1,172,039,806	1,027,794,299

Income statement
For the period from 01 January to 30 June 2018 - Unaudited

	01 January to 30 June 2018 US$ (Unaudited)	01 January to 30 June 2017 US$ (Unaudited)
Operating income
Interest income	62,885,013	56,079,801
Interest expense	(23,661,962)	(25,496,191)
Net interest income	39,223,051	30,583,610
Net fees and commissions	2,600,084	1,841,822
Other income	478,523	424,566
Total operating profit	42,301,657	32,849,999
Allowance for bad and doubtful loans	(2,533,583)	(1,709,622)
Other operating expenses	(23,976,973)	(21,032,160)
Profit before income tax	15,791,101	10,108,216
Income tax expense	(3,320,979)	(2,339,588)
Net profit for the period	12,470,121	7,768,629