Financial Statements 2013-2017

Balance Sheet 

 

December

2017

US$

(Audited)

December

2016

US$

(Audited)

December

2015

US$

(Audited)

December

2014

US$

(Audited)

December

2013

US$

(Audited)

ASSETS

Cash on hand

43,744,709

32,876,496

17,613,309

10,210,384

8,937,781

Balances with the National Bank of Cambodia

124,540,739

212,512,999

65,852,851

82,948,728

57,574,981

Balances with other banks

19,095,480

46,743,874

25,673,728

33,454,283

14,286,214

Loans to customers

794,125,991

599,550,758

546,710,543

370,722,788

258,249,000

Other assets

16,848,396

8,219,292

13,468,485

9,680,172

6,447,517

Goodwill

17,380,030

17,380,030

17,380,030

17,380,030

17,380,030

Property and equipment

8,016,784

7,208,738

5,997,688

4,634,561

4,477,137

Intangible assets

943,246

1,466,861

294,997

557,253

556,864

Other investment

50,000

50,000

50,000

50,000

50,000

Deferred tax assets

3,048,924

2,697,590

1,413,581

1,057,958

722,694

TOTAL ASSETS

1,027,794,299928,706,638694,455,212530,696,157

368,682,218

LIABILITIES AND SHAREHOLDERS’ EQUITY 

LIABILITIES

 

Deposits from customers and other

   financial institutions

618,172,252583,220,998348,396,974269,258,527

163,021,443

Borrowings

214,788,333170,721,348160,425,396115,530,220

83,407,385

Subordinated debts

13,000,00016,313,21732,313,21747,313,217

37,313,217

Provident fund

10,378,5027,645,5075,816,7334,082,666

2,899,452

Current income tax liabilities

4,444,1412,783,6514,415,9412,482,746

1,983,610

Other liabilities

 12,831,66412,428,5498,704,7135,879,515

3,876,370

Total Liabilities 

873,614,892793,113,270560,072,974444,546,891

292,501,477

SHAREHOLDERS’ EQUITY

 

Share capital

120,000,000120,000,000104,000,00074,000,000

74,000,000

Retained earnings

34,179,40715,593,36830,382,23812,149,266

2,180,741

Total shareholder's equity

154,179,407135,593,368134,382,23886,149,266

76,180,741

TOTAL LIABILITIES AND EQUITY

1,027,794,299928,706,638694,455,212530,696,157

368,682,218

 

Income Statement 

 

2017

US$

(Audited)

2016

US$

(Audited)

2015

US$

(Audited)

2014

US$

(Audited)

2013

US$

(Audited)

OPERATING INCOME 

Interest income

115,992,555102,114,82489,011,63055,933,603

38,354,857

Interest expense

(49,463,241)(44,225,679)(32,888,646)(19,411,777)

(13,095,171)

Net interest income

66,529,31457,889,14556,122,98436,521,826

25,259,686

Net fees and commissions

5,370,725940,7071,802,0651,262,010

2,925,154

Other income

660,511360,304295,98487,421

218,420

Total operating profit

72,560,55059,190,15658,221,03337,871,257

28,403,260

Allowance for bad and doubtful loans

(4,871,366)(7,150,298)(2,385,472)(1,018,073)

2,193,116

Other operating expenses

(43,883,576)(40,757,971)(32,566,672)(24,577,711)

(20,678,934)

Profit before income tax

23,805,608 11,281,88723,268,88912,275,473

9,917,442

Income tax expense

(5,219,569)(2,450,183)(4,906,436)(2,678,248)

(1,989,685)

Net profit for the year

18,586,039  8,831,70418,362,4539,597,225

7,927,757

 Note: From 2013 to 2015: MARUHAN JAPAN BANK’s consolidated financial statements with Sathapana limited MFI.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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