Interim Financial Statements as at 30 September 2018

Balance Sheet
As of 30 September 2018-Unaudited

	30 September 2018 US$ (Unaudited)	31 December 2017 US$ (Audited)
ASSETS
Cash on hand	86,185,653	43,744,709
Balances with the National Bank of Cambodia	209,933,153	124,540,739
Balances with other banks	23,111,666	19,095,478
Loans to customers	910,158,433	794,125,992
Other assets	17,600,045	16,848,396
Goodwill	17,380,030	17,380,030
Property and equipment	8,958,646	8,016,784
Intangible assets	946,705	943,246
Other investment	50,000	50,000
Deferred tax assets	3,048,924	3,048,924
TOTAL ASSETS	1,276,756,168	1,027,794,298
LIABILITIE AND SHAREHOLDERS' EQUITY
LIABILITIES
Deposits from customers and other financial institutions	788,164,118	618,172,253
Borrowings	266,755,229	214,788,333
Subordinated debts	22,000,000	13,000,000
Provident fund	12,262,761	10,378,502
Current income tax liabilities	3,547,793	4,444,141
Other liabilities	13,335,587	12,831,662
Total Liabilities	1,106,065,489	873,614,890
SHAREHOLDERS' EQUITY
Share capital	120,000,000	120,000,000
Retained earnings	50,690,679	34,179,408
Total Shareholders’ equity	170,690,679	154,179,408
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	1,276,756,168	1,027,794,298

Income Statement
For the period from 1 January 2017 to 30 September 2018-Unaudited

	1 January to 30 September 2018 US$ (Audited)	1 January to 30 September 2017 US$ (Unreviewed)
Operating income
Interest income	95,677,010	85,505,510
Interest expense	(37,380,181)	(37,695,078)
Net interest income	58,296,830	47,810,431
Net fees and commissions	4,618,966	3,315,729
Other income	807,687	666,997
Total operating profit	63,723,482	51,793,157
Allowance for bad and doubtful loans	(5,173,054)	(3,212,690)
Other operating expenses	(36,964,865)	(32,469,909)
Profit before income tax	20,968,477	16,110,557
Income tax expense	(4,457,206)	(3,637,317)
Net profit for the period	16,511,271	12,473,240