Foreword
In 2011, many developed and emerging economies were
affected by a series of crises, including severe public debt
crisis in European regions, high unemployment rate, and low
public confidence, while recovery from natural disaster is still in progress.
According to the International Monetary Fund (IMF), the global economic
growth in 2011 is 4% , a drop of 1.1% as compared to 2010.
Cambodia managed to make a satisfactory progress in its development and
stabilized its macroeconomic condition despite the impacts of the global
economic crises and, especially, flood that affected some parts of the country in
2011. With the National Bank of Cambodia’s efforts in improving access to
finance, banking intermediation showed noticeable improvement as reflected in
the increasing numbers of banks and their branch networks over the last year.
The performance of banking institutions was satisfactory in 2011. The capital base
of banking sector was strengthened through the injection of paid-up capital from
banks, while liquidity was maintained over the regulatory requirement. In
addition, assets and profitability of banking institutions displayed a trend of
gradual increment since 2009. Furthermore, micro-finance institutions (MFIs)
continue to play significant roles in improving access to finance in the rural area
and contribute to the economic growth. In 2011, total lending by MFIs increased
by approximately 50%, while saving in microfinance deposit taking institutions
(MDIs) tripled compared to 2010.
As Cambodian financial sector is still at its early stage of development, there is
significant room for improvement both at the industry level as well as at the
regulatory and supervisory level. The Royal Government of Cambodia under the
leadership of Samdech Akka Moha Senapadei Techo Hun Sen, developed in the
year 2000, Cambodia’s first financial sector blueprint to serve as a 10-years plan
and guidance for important infrastructure, capacity and legal and regulatory
development in the financial sector in the country. Since then, the Blueprint has
been updated to reflect the changes in domestic as well as global financial
system landscape. In 2011, the National Bank of Cambodia, Ministry of Economic
and Finance, and other relevant ministries and authorities reviewed and
discussed the Financial Sector Development plan 2011-2020. The updated
blueprint is expected to be launched in 2012.
-i-
In order to achieve efficiency in its supervisory and regulatory function, the
National Bank of Cambodia restructured and upgraded the Banking Supervision
Department into a Banking Supervision General Directorate which consists of 4
departments: Off-site Supervision, On-site Supervision, Legal and Licensing
Department. The total staff has also increased from 64 in 2009 to 82 in 2011
including both new recruitment and internal transfer. All staff have received
regular trainings from international experts in Cambodia and oversea.
In line with international best practices and to keep up with the fast changing
financial environment, the National Bank of Cambodia has been reviewing the
existing prudential regulations and issuing new ones to ensure that banking and
financial institutions are operating in a safe and sound manner. The adoption of
these regulations is expected to strengthen the development of banking and
financial institutions as Cambodia is progressively integrating into the regional
and world market.
In collaboration with International Financial Corporation, the National Bank of
Cambodia, Association of Banks in Cambodia (ABC) and Cambodia
Microfinance Association (CMA) established a private credit bureau company
(CBC). The establishment of this company is an important milestone in our effort
to promote the quality of lending, transparency, and, especially, prevent credit
risk resulting from excessive lending to one borrower by different institutions.
In conclusion, the performance and accomplishment of banking institutions in
2011 has contributed to the development of Cambodia’s financial system as well
as economic growth. However new challenges continue to emerge and will
require close monitoring from supervisors. As such the National Bank of
Cambodia will continue its supervisory and regulatory function in a prudent
manner incorporating risk-based and forward looking approach. As these
functions required skills and experiences, building the capacity of our supervisors
continues to be our top priority. To this end, the National Bank of Cambodia
actively engages in bilateral cooperation with various supervisory authorities to
share information and exchange knowledge. Despite the constraints and
challenges, we remain poised and resolute in our commitment to ensure a safe
and vibrant banking system.
Phnom Penh, April 4, 2012
CHEA CHANTO
Governor
National Bank of Cambodia
-ii-
CONTENTS
1. Structure of the Banking System ........................................................................................ 1
2. Banking Sector Performance ............................................................................................. 1
3. Operation in the Microfinance Sector............................................................................... 2
4. Development in the Banking Supervision ......................................................................... 3
4.1. Regulatory Development ....................................................................................... 3
4.2. Supervisory Development ...................................................................................... 4
4.3. Financial Products and Services Development .................................................... 4
4.4. Infrastructure Development.................................................................................... 4
5. Risks and Vulnerabilities................................................................................................. 5
5.1. Credit Risk ................................................................................................................ 5
5.2. Liquidity Risk ............................................................................................................ 6
5.3. Operational Risk ...................................................................................................... 7
5.4. Profitability ............................................................................................................... 7
5.5. Capital ..................................................................................................................... 8
6. Issues and Challenges ................................................................................................... 8
7. Conclusion ...................................................................................................................... 9
Appendix 1: Data of Banks and Microfinance Institutions 2011........................................ 10
Appendix 2: Interest Rates Trends ....................................................................................... 47
Appendix 3: Banking System in Cambodia ....................................................................... 49
-iii-
All data are unaudited and as reported by Banks and MFIs
-iv-
1. Structure of the Banking System
By the end of 2011, the banking sector in Cambodia consisted of 31 commercial banks
of which 22 local incorporated banks and 9 foreign bank branches, 7 specialized banks
including one state owned bank, 32 licensed microfinance institutions where 7 eligible to
collect customer deposits, and 29 registered microfinance institutions. Under the banking
law, banking institutions in Cambodia are subject to the same regulatory and prudential
requirements irrespective of their legal status as local incorporated banks or foreign bank
branches.
2. Banking Sector Performance
Banking sector grew significantly in 2011. Total assets increased by 24.39% from the
previous year, at the same time credit grew by 33%, or USD 1,085 million. This credit
growth was made possible as a result of deposit growth of 20% or USD 880 million and
growth in the capital base of 9.85% or USD 112 million. The level of intermediation
increased from 75% in 2010 to 83% in 2011. Total assets to gross domestic products (GDP)
reached 63% in 2011 from 56% in 2010. Total credits and total deposits to GDP both
increased to 34% and 41% respectively, from 28% and 37% previous year.
Assets to GDP (Banks)
14,000
12,676
In Million of USD
12,000
77%
8,631
10,000
8,000
6,000
4,000
2,000
-
4,656
21%
955
5,315
22%
22%
1,169
6,293
22%
16%
1,354
7,275
26% 40%
39%
3,359
1,902
10,337
10,335
4,165
24%
63%
7,945
48%
40%
80%
11,344
56%
70%
60%
50%
6,387
40%
4,996
30%
28%
20%
24.39%
12%
2003
90%
20%
10%
0%
2004
Total assets
2005
GDP
2006
2007
2008
Growth of total assets
2009
2010
2011
Total assets to GDP
In term of outreach, performance in the banking sector presented substantial progress.
Though the number of borrowers increased slightly by only 3% to 294,533 accounts, the
number of depositors jumped by 19% reaching 1,266,412 accounts by the year end 2011.
The number of branches network and service posts for banks increased by 7.1% in 2011
to 421 offices in the country wide. Other platforms of modern banking services such as
Automate Teller Machine (ATM), Debit Card, and Credit Card also expanded rapidly.
The number of ATM terminals rose by 17%, totaling of 588 terminals. New credit cards and
debit cards issued in 2011 increased by 53% to 21,364 cards, and 29% to 761,876 cards
respectively compared to 2010. As of year end 2011, total number of money changers
country wide was 1,296 of which 47 licensed money changers and 1,249 registered
counters.
-1-
Number of Depositors and Borrowers (Banks)
Number of Debit and Credit Cards (Banks)
800,000
25,000
1,400
21,364
700,000
1,200
20,000
600,000
1,266
1,067
928
1,000
14,003
5,279
2006
2007
100,000
-
322,339
150,546
4,953
36,013
200,000
453,471
Thousands
9,146
300,000
10,576
592,317
400,000
15,000
761,876
500,000
10,000
800
600
2009
2010
Number of Debit card
456
400
5,000
200
2008
700
149
124
206
145
286
165
197
230
295
286
263
-
2011
2004
Number of Credit card
2005
2006
2007
2008
Number of Depositors
2009
2010
2011
Number of Borrowers
3. Operation in the Microfinance Sector
Cambodian Microfinance Sector continues to grow rapidly in term of number, size, and
operation, providing financial services to Small and Medium Enterprises as well as to
people in the remote area who do not have access to financial services from
commercial banks. As of year end 2011, there are 32 licensed microfinance institutions,
of which 7 are microfinance deposit taking institutions. This development is shown
through the increase of total assets of the whole sector of 47.97% from KHR 2,051,484
million (USD 506.16 million) at the end of 2010 to KHR 3,025,083 million (USD 748.97 million)
at the end of 2011. Microfinance sector not only contributes to poverty reduction of the
poor in rural areas through microfinance services, but also provides job opportunities to
many Cambodian graduate students. As of December 2011 the total number of staff
employed in the microfinance sector was 9,744, of which 2,617 were women.
Growth of Total Assets (MFIs)
Share of Paid-up Capital (MFIs)
100%
3,500,000
3,025,083
87%
3,000,000
80%
Million of KHR
2,500,000 73%
1,361,449
1,524,983
50%
47%
35%
40%
20%
0%
Total Assets
2009
23%
23%
73%
74%
77%
77%
77%
2007
2008
2009
2010
2011
20%
10%
2008
23%
60%
30%
12%
2007
26%
40%
726,358
500,000
27%
80%
60%
2,000,000
1,500,000
100%
70%
2,051,484
1,000,000
120%
90%
2010
0%
2011
Foreign Share
Asset Growth
-2-
Cambodian Share
With favorable business, regulatory and policy environment, the microfinance sector has
gained significant confidence from the public including both debtors and creditors,
particularly from the poor in rural areas and foreign investors. As of 31 December 2011, 23%
and 77% of total registered capital is owned by Cambodian and foreign shareholders
respectively.
Total loans increased by 50% from KHR 1,724,841 million (USD 426 million) at the end of
2010 to KHR 2,591,263 million (USD 641.53 million) at the end of 2011. The number of
borrowers rose by 17% from 978,077 to 1,141,913. Aggregate amount of deposits, on the
other hand, surged by 180% from KHR 164,014 million (USD 41 million) to KHR 459,473
million (USD 114 million) in the same period.
Loans and Non-Performing Loans (MFIs)
Loans and Deposits (MFIs)
3,000,000
3%
2.80%
2,500,000
1,724,841
1,108,225
1,244,597
459,473
617,907
21,211
Million of KHR
In Million KHR
2,591,263
22,082
39,627
2,591,263
2,000,000
2%
1,724,841
1,500,000
1,000,000
616,953 1,130,216
500,000
164,014
2008
Loans
2009
2010
Deposits
1.18%
1,244,597
2008
Loans
2009
1%
1%
0.22%
0%
0.19%
2007
2011
2%
0.42%
2007
3%
2010
2011
NPL Ratios
The average delinquency ratio is 0.22%, decreasing from 1.18% in 2010 despite the
severe flooding in the country in the third quarter. In compliance with the regulations of
the National Bank of Cambodia, the average solvency ratio is 21.25 % and the liquidity
ratio is 398.66%. MFIs’ profitability continues to increase. In 2011, total net profit is
KHR 110,117 million (USD 27.26 million), a 63% increased from the end of 2010. Return on
asset and return on equity ratios were 3.64% and 15.10% respectively.
4. Development in the Banking Supervision
4.1 Regulatory Development
The National Bank of Cambodia revised many of its regulations and circulars to achieve
a more effective supervision and be in line with recent developments in financial sector.
During 2011, the National Bank of Cambodia issued a circular related to net worth
calculation, and 5 other regulations, including Prakas on risk based and forward looking
supervision, Prakas on credit information sharing system, Prakas on transparency in
granting credit facilities of banks and financial institutions, Prakas on financial leasing
business, and Prakas on licensing of financial lease companies.
-3-
4.2 Supervisory Development
As the supervisory authority, the National Bank of Cambodia, regularly conducts off-site
and on-site examination on banking and financial institutions to protect depositors’
money, maintain safety and soundness, and promote fair competition in the banking
sector. The supervisory approach is progressively moving from rule-based supervision to
risk-based and forward-looking supervision. To enhance data and information flow, the
National Bank of Cambodia has also revised and updated supervisory reporting system
for both banking institutions and microfinance institutions. This new reporting system is an
online based submission that would provide timely and accurate information on the
condition of the banking and financial institutions. It also helps to reduce burden and
cost related to reporting submission by banking and financial institutions and also
exemplify the development in Cambodia’s banking sector in response to rapid
technological advancement and the fast changing environment of the industry.
4.3 Financial Products and Services Development
As the banking sector’s growth continues to accelerate and increase in sophistication,
new banking products and services also develop. Leasing and hire purchase products
have been increasingly prevalently used mainly for consumer goods financing. Both
bank centric and mobile banking centric models are operating Cambodia. Regardless
the models are forms mobile banking business are strictly and subjected to the
regulation and supervision of the National Bank of Cambodia to ensure the protection of
customers.
4.4 Infrastructure Development
The National Bank of Cambodia has recognizes the importance of enhancing the
existing infrastructure in the banking sector in order to further facilitate the role of
banking sector in promoting economic growth. As a result, the National Bank of
Cambodia has undertaken extensive work to upgrade its national payment system,
creating regulatory platform for an interbank market and has supported the creation of
a private-owned credit bureau expected to be launched early in 2012 to enhance
intermediary function and risk management function of regulated entities. This credit
bureau is expected to facilitate credit flow in the economy by reducing information
asymmetry between banking institutions and their customers.
Strengthening accounting practices within banking institutions is also recognized as an
important milestone for banking sector development and for the banking sector
integration in the region. Cambodia banks are expected to implement the International
Financial Reporting Standard (IFRS) by 2016. The roadmap toward full adoption of the
IFRS for banking institutions is in the study process. The roadmap would provide areas for
improvement of current practices for both authority and market players. This will lead to
changes of accounting policy, information system, personals/skills set, and prudential
regulations. Enhancing cooperation among financial regulators within the country is also
recognized as a crucial step to ensure sustainable development. As demonstrated by
-4-
the global financial, there is a need for closer coordination between on site supervisors
and off site regulators in order to avoid regulatory arbitrage.
5. Risks and Vulnerabilities
5.1 Credit Risk
Despite relatively high credit growth as of year-end 2011 of 33.5% and the flood disaster
affecting agriculture sector, nonperforming loans in the banking sector declined to
2.43% from 3.05% in 2010. Net nonperforming loans decreased from 1.37% to only 1.09%,
while total provisioning reserves remained stable at 55% of the nonperforming assets.
Nonperforming Loans Ratio
12%
10%
9.87%
9.64%
7.26%
8%
4.84%
6%
4%
2%
1.60%
0.83%
2005
1.61%
2.52%
1.72%
1.37%
1.09%
2007
2008
2009
2010
2011
3.05%
2.43%
4.07%
0%
2004
3.44%
3.68%
2006
NPL/Loans
NPL Net-off Provision/Loans
Related party lending is reported to be within prudential limit of 10.7% of net worth. Total
large exposure loans in proportion of the net worth surged to 97% from 80% in 2010.
Fixed Assets Ratio, Real Estate to Net Worth, and Related Lending Ratio
25.0%
18.7%
18.0%
20.0%
10.0%
19.0%
17.9%
17.0%
15.9%
15.0%
15.0%
1.2%
18.6%
15.0%
15.4%
17.0%
11.9%
7.6%
20.0%
22.7%
16.8%
1.7%
1.2%
16.0%
12.0%
1.3%
1.8%
10.0%
10.7%
9.8%
1.4%
5.0%
0.0%
5.0%
0.0%
-5.0%
2004
2005
Fixed Assets Ratio
2006
2007
2008
2009
Loans to Real Estate to Net Worth
-5-
2010
2011
Related Lending
Retail and wholesale sector captured one-third of the total portfolios. Manufacturing,
nonfinancial services, and agriculture sector each absorbed around 9% of the portfolios.
Tourism and construction accumulated the same shares of 7.4%. Though all indicators
provide satisfactory outlook on credits performance, vigilance is exercised to closely
monitor credit’s growth and concentrated in the real estate sector.
Credit by Economic Sectors
Mining and Quarrying
Credit Cards
Rental and Operational Leasing Activities
Other Lending
Utilities
Financial Institutions
Transport and Storage
Owner-Occupied Housing only
Information Media and Telecommunications
Real Estate Activities
Agriculture, Forestry and Fishing
Personal Lending
Construction
Other Non-Financial Services
Manufacturing
Hotels and Restaurants
Wholesale Trade
Retail Trade
0%
5%
10%
15%
2011
20%
2010
5.2 Liquidity Risk
Bank liquid assets remained relatively stable while stress coverage within one month
period increased. Off-balance sheet commitments doubled from previous year.
Development of money market and capital market is expected to provide more room
for liquidity management in banking institutions.
Liquidity & Uses of Funds Ratio
160%
140%
120%
100%
80%
117%
118%
108%
104%
108%
104%
100%
100%
2004
2005
2006
2007
136%
81%
123%
91%
121%
91%
120%
83%
60%
40%
20%
0%
Liquidity Ratio
2008
2009
Uses of Funds Ratio
-6-
2010
2011
Maturity Mismatch
5,000
4,000
3,000
2,000
1,000
Maturity Gap
(1,000)
Cumulative Gap
(2,000)
(3,000)
(4,000)
Up to 1 M
>1 Y up to 2 Ys
>1 M up to 3Ms
>2 Ys up to 5 Ys
>3 Ms up to 6 Ms
>5 Ys up to 10 Ys
>6 Ms up to 12 Ms
>10 Ys
Interest Rate Trend
20%
18.2%
18%
17.3%
18.8%
16.2%
16.7%
16.0%
16%
15.8%
16.4%
17.2%
15.4%
14%
12%
10%
8%
6%
4%
2%
4.2%
4.0%
1.6%
1.4%
2002
2003
4.8%
4.9%
6.3%
3.6%
4.0%
0.9%
1.1%
1.0%
1.0%
1.1%
2004
2005
2006
2007
2008
5.3%
4.4%
4.3%
0.7%
0.6%
0.6%
2009
2010
2011
0%
Saving Deposits
Fixed Deposits
Loans
5.3 Operational Risk
Numbers of prudential measures have been adopted to address the issue of operational
risk including the regulation on governance, fit and proper test, and internal control.
Progress to date proved satisfactory in term of risk management including operational
risk. Despite such progress, additional prudential measures especially capital charge for
operational risk is under consideration for adoption in response to the growing scope
and scale of operation of banking institutions.
5.4 Profitability
Profitability in the banking sector showed significant improvement compared to previous
year’s performance. Average return on assets increased to 1.89% while average return
on equity was 9.02% by the end of 2011.
-7-
Banks – Return on Assets and Return on Equity
18%
16.58%
14%
13.11%
12%
8%
1.89%
9.02%
1.25%
5.63%
2.83%
1.44%
6.63%
10%
2.88%
14.18%
2.84%
1.76%
7.87%
1.20%
5.73%
0.93%
3.83%
1.06%
3.92%
0.58%
1.73%
16%
6%
4%
2%
0%
2001
2002
2003
2004
2005
2006
2007
Return on Assets
2008
2009
2010
2011
Return on Equity
5.5 Capital
Solvency ratio dropped from 31.38% by year end 2010 to 26.23% by the end of 2011 but
still remained above the prudential limit and the early-warning threshold. This decrease is
mainly due to rapid credit expansion thus an increase in risk weighted asset. Tier I Capital
is 24.96% showing a strong stable capital base of banks in 2011.
Tier I CAR and Tier I + Tier II CAR
32.28%
2004
2005
2006
31.38%
26.23%
2007
2008
Tier I CAR
2009
30.80%
30.85%
23.57%
26.03%
25.25%
29.56%
32.01%
26.46%
27.64%
2010
24.96%
31.89%
22.81%
34.50%
2011
Tier I + Tier II CAR
6. Issues and Challenges
Despite significant progresses achieved, numerous challenges remain for the
development and stability within the banking sector. Currently, the National Bank of
Cambodia conducts review on existing regulations to minimize possibility of regulatory
arbitrage and, at the same time, assesses on the need for introducing additional
prudential regulations. Key regulations related to credit and liquidity risk need to be
reviewed whereas regulations related to market risk and operational risk need to be put
in place.
-8-
Capacity building continues to be the National Bank of Cambodia top priority. The
National Bank of Cambodia recognizes the need to have sufficient human resources in
place and the time needed to build the right skills and expertise. Institutionalized the
capacity building program, in this context, is a priority in order to improve and optimize
the quality and qualification of our human resources.
7. Conclusion
Vulnerabilities within the banking sector remains at manageable level despite some
concerns on credit and liquidity risk. Banking sector’s performance returns back on track
with all signs indicating a positive outlook for both the speed and depth of growths.
Intermediary function keeps expanding rapidly, resulting in greater depth and outreach
of the financial system.
-9-
Appendix 1
Data of Banks and Microfinance Institutions 2011
Note: All figures are unaudited and as reported by Banks and MFIs
- 10 -
Number of Offices of Cambodian banks
As of December 31, 2011
Table 1
Total
2011
2010
Phnom
Penh1
Phnom
Penh1
Provincial
Total
Provincial
Commercial Banks
1 Acleda Bank Plc. 3
2 Canadia Bank Plc.
234
14
220
234
14
220
33
13
20
27
13
14
3 Cambodian Public Bank
23
14
9
21
13
8
4 ANZ Royal Bank (Cambodia) Ltd.
19
11
8
19
11
8
5 Singapore Banking Corporation3
6 May Bank, Phnom Penh Branch*
16
10
6
15
10
5
11
7
4
9
6
3
7 Advanced Bank of Asia Ltd.
8 OSK Indochina Bank Ltd
10
7
3
8
6
2
9
5
4
9
5
9 CIMB Bank
10 Cambodia Mekong Bank Public Ltd.
7
5
2
1
1
6
4
2
6
2
4
11 Bank for Investment and Development of Cambodia PLc 2
6
2
4
4
2
2
12 Union Commercial Bank Plc.
5
2
3
5
2
3
13 Cambodian Commercial Bank Ltd.
4
1
3
4
1
3
14 Foreign Trade Bank of Cambodia
4
3
1
4
3
1
15 Vattanac Bank Ltd.
16 Saigon Thuong Tin (Cambodia) Plc
4
3
1
3
2
4
4
-
2
2
-
17 First Commercial Bank, Phnom Penh Branch*
18 HwangDBS Commercial Bank Plc.
3
3
-
3
3
-
3
3
-
3
3
-
19 Phnom Penh Commercial Bank
3
3
-
2
2
-
20 Krung Thai Bank Public Co. Ltd., P.P. Branch*
2
1
2
1
21 Agri Bank Cambodia Branch*
22 Bank of India Phnom Penh Branch*
1
1
-
1
1
-
1
1
-
1
1
-
23 Booyong Khmer Bank
1
1
-
1
1
-
24 Cambodia Asia Bank Ltd.
1
1
-
1
1
-
25 Kookmin Bank Cambodia Plc
26 M
Maruhan
Bank
h Japan
J
B k Plc
Pl
1
1
-
1
1
-
1
1
-
1
1
-
1
1
-
1
-
1
1
-
-
-
-
414
123
291
388
109
279
29 First Investment Specialized Bank
1
1
-
1
1
-
30 Anco Specialized Bank
31 Tomato Specialized Bank
1
1
-
1
1
-
1
1
-
1
1
-
32 CAMKO Specialized Bank Ltd.
33 Rural Development Bank
34 Angkor Capital Specialized Bank
1
1
-
1
1
-
1
1
-
1
1
-
1
1
-
1
1
-
35 PHSME Specialized Bank
1
1
-
1
1
-
7
7
-
7
7
-
421
130
395
116
27 Shinhan Khmer Bank
28 Bank of China Phnom Penh Branch*
Sub-total
1
1
4
-
1
1
Specialized Banks
Sub-total
Total
* Foreign branches
1
Including head office
Incuding Branches in Vietnam
2
3
Including Sevices Post
- Excluded Mega Bank*, ICBC*, MB*
-11-
291
279
Number of staff
As of December 31, 2011
Table 2
% Change
2011 over 2010
2011
2010
1 ACLEDA Acleda Bank Plc.
7,038
6,982
0.8%
2 CNB
Canadia Bank Plc.
1,191
1,041
14%
3 ANZR
ANZ Royal Bank (Cambodia) Ltd.
536
577
-7%
4 CPB
Cambodian Public Bank
479
449
7%
5 CAB
Cambodia Asia Bank Ltd.
281
86
227%
Commercial Banks
6 ABA
Advanced Bank of Asia Ltd.
243
196
24%
7 BIDC
Bank for Investment and Development of Cambodia Plc
222
132
68%
8 SBC
Singapore Banking Corporation
214
223
-4%
9 VB
Vattanac Bank Ltd.
207
165
25%
10 UCB
Union Commercial Bank Plc.
176
170
4%
11 MYB
May Bank, Phnom Penh Branch*
164
120
37%
12 OSK
OSK Indochina Bank Ltd
154
153
1%
13 FTB
Foreign Trade Bank of Cambodia
136
121
12%
129
125
3%
110
64
72%
144%
14 CMB
Cambodia Mekong Bank Public Ltd.
15 Sacomb Saigon Thuong Tin (Cambodia) Plc
16 CIMB
17 CCB
CIMB Bank
95
39
Cambodian Commercial Bank Ltd.
78
77
1%
18 PPCB
Phnom Penh Commercial Bank
67
40
68%
19 MJB
Maruhan Japan Bank Plc
58
55
5%
20 FCB
First Commercial Bank, Phnom Penh Branch*
53
49
8%
21 BOC
Bank of China Phnom Penh Branch*
52
22 HDBS
Hwang DBS Commercial Bank Plc*
48
37
30%
23 KBC
Kookmin Bank Cambodia Plc
28
27
4%
24 SKB
Shinhan Khmer Bank
25
24
4%
25 AGRI
Agri Bank Cambodia Branch*
24
23
4%
26 KTB
Krung Thai Bank Public Co. Ltd., P.P. Branch*
18
18
0%
27 BKB
Booyong Khmer Bank
12
15
-20%
28 BIPP
Bank of India Phnom Penh Branch*
9
11,847
9
11,017
0%
Specialized Banks
-
0%
8%
29 FISB
First Investment Specialized Bank
47
49
-4%
30 RDB
Rural Development Bank
46
48
-4%
31 PHSME
PHSME Specialized Bank
Angkor Capital Specialized Bank
45
48
-6%
19
20
-5%
18
15
20%
34 TSB
Anco Specialized Bank
Tomato Specialized Bank
15
14
7%
35 CKSB
CAMKO Specialized Bank Ltd.
14
204
18
212
-22%
12,051
11,229
7%
32 ACSB
33 ASB
Total
-4%
* Foreign branches
- Excluded Mega Bank*, ICBC*, MB*
1,191
Total Employees of all banks1
as of December 2011
1,200
1,000
-
1
Excluding total employees of
ACLEDA Bank Plc (7,038)
-12-
9
14
12
18
15
18
24
19
28
25
46
45
48
47
53
52
58
78
67
110
95
129
154
136
176
214
207
243
164
200
222
479
400
281
600
536
800
COMPARISON OF TOTAL ASSETS
As of December 31, 2011
Table 3
(millions of KHR)
2011
2010
Growth Rate (%)
Share
Commercial Banks
Share
2011 over 2010
1 Acleda Bank Plc.
2 Canadia Bank Plc.
6,063,681
18.9%
4,745,962
18.3%
27.8%
5,279,836
16.5%
4,351,832
16.8%
21.3%
3 Cambodian Public Bank
4 ANZ Royal Bank (Cambodia) Ltd.
4,093,420
12.8%
4,087,116
15.8%
0.2%
2,840,347
8.9%
2,462,684
9.5%
15.3%
1,820,359
5 Bank for Investment and Development of Cambodia Plc
6 Foreign Trade Bank of Cambodia
5.7%
1,050,562
4.1%
73.3%
1,654,958
5.2%
1,355,408
5.2%
22.1%
7 May Bank, Phnom Penh Branch*
1,290,251
4.0%
949,967
3.7%
35.8%
8 Union Commercial Bank Plc.
9 Bank of China Phnom Penh Branch*
1,025,197
833,832
3.2%
3.2%
24.7%
2.6%
822,285
-
0.0%
0.0%
10 Advanced Bank of Asia Ltd.
817,998
2.5%
616,791
2.4%
32.6%
11 Vattanac Bank Ltd.
763,629
2.4%
828,402
3.2%
-7.8%
12 First Commercial Bank, Phnom Penh Branch*
578,187
1.8%
415,759
1.6%
39.1%
13 Maruhan Japan Bank Plc
501,262
1.6%
354,099
1.4%
41.6%
14 Cambodian Commercial Bank Ltd.
15 Phnom Penh Commercial Bank
474,833
413,934
1.5%
1.6%
11.3%
1.3%
426,485
237,535
0.9%
74.3%
16 OSK Indochina Bank Ltd
413,896
1.3%
255,773
1.0%
61.8%
17 CIMB Bank
18 Saigon Thuong Tin (Cambodia) Plc
363,255
353,082
1.1%
0.6%
116.8%
1.1%
167,575
458,965
1.8%
-23.1%
19 Agri Bank Cambodia Branch*
274,034
0.9%
171,250
0.7%
60.0%
20 Cambodia Asia Bank Ltd.
271,189
0.8%
233,705
0.9%
16.0%
21 Singapore Banking Corporation
256,538
0.8%
225,497
0.9%
13.8%
22 Krung Thai Bank Public Co. Ltd., P.P. Branch*
229,641
0.7%
212,170
0.8%
8.2%
23 Shinhan Khmer Bank
198,916
0.6%
186,445
0.7%
6.7%
24 Hwang DBS Commercial Bank Plc
198,540
0.6%
201,562
0.8%
-1.5%
25 Kookmin Bank Cambodia Plc
187,653
0.6%
142,801
0.6%
31.4%
26 Cambodia Mekong Bank Public Ltd.
27 Booyong Khmer Bank
183,550
152,422
0.6%
172,594
148,690
0.7%
6.3%
0.6%
2.5%
28 Bank of India Phnom Penh Branch*
Sub-total
67,478
0.2%
55,778
0.2%
21.0%
31,601,920
98.5%
25,337,692
97.9%
24.7%
0.5%
Specialized Banks
29 Rural Development Bank
30 First Investment Specialized Bank
209,828
0.7%
164,650
0.6%
27.4%
61,268
0.2%
68,595
0.3%
-10.7%
31 CAMKO Specialized Bank Ltd.
32 Angkor Capital Specialized Bank
55,480
54,824
0.2%
114,385
94,969
0.4%
-51.5%
0.2%
0.4%
-42.3%
33 Anco Specialized Bank
34 PHSME Specialized Bank
38,350
0.1%
34,851
0.1%
10.0%
34,659
0.1%
32,752
0.1%
5.8%
35 Tomato Specialized Bank
Sub-total
34,601
489,010
0.1%
0.1%
1.1%
1.5%
34,214
544,414
2.1%
-10.2%
32,090,929
100%
25,882,106
100%
24.0%
Total
* Foreign branches
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
Growth of Total Assets
35,000.00
30,000.00
In Billion of KHR
32,091
74%
10,000.00
60%
20,830
20,000.00
15,000.00
70%
25,888
25,000.00
39%
50%
16,996
40%
13,445
26%
7,716
80%
23%
24%
24%
5,000.00
30%
20%
10%
-
0%
2006
2007
2008
2009
Total Assets
2010
Growth of Total Assets
-13-
2011
SHARE OF PAID-UP CAPITAL
As of December 31, 2011
Table 4
(millions of KHR)
Foriegn share
Share(%)
Commercial Banks
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
CNB
CPB
ACLEDA
MJB
ANZR
BIDC
OSK
HDBS
AGRI
PPCB
FTB
Sacomb
UCB
VB
CIMB
CMB
CAB
BKB
ABA
MAYB
FCB
CCB
KTB
SKB
SBC
KBC
BOC
BIPP
Canadia Bank Plc.
Cambodian Public Bank Plc
Acleda Bank Plc.
Amount paid
100.0%
49.0%
100.0%
55.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
11.4%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
Maruhan Japan Bank
ANZ Royal Bank (Cambodia) Ltd.
Bank for Investment and Development of Cambodia Plc
OSK Indochina Bank Ltd
Hwang DBS Commercial Bank Plc
Agri Bank Cambodia Branch*
Phnom Penh Commercial Bank
Foreign Trade Bank of Cambodia
Saigon Thuong Tin (Cambodia) Plc
Union Commercial Bank Plc.
Vattanac Bank Ltd.
CIMB Bank
Cambodia Mekong Bank Public Ltd.
Cambodia Asia Bank Ltd.
Booyong Khmer Bank
Advanced Bank of Asia Ltd.
May Bank, Phnom Penh Branch*
First Commercial Bank, Phnom Penh Branch*
Cambodian Commercial Bank Ltd.
Krung Thai Bank Public Co. Ltd., P.P. Branch*
Shinhan Khmer Bank
Singapore Banking Corporation
Kookmin Bank Cambodia Plc
Bank of China Phnom Penh Branch*
Bank of India Phnom Penh Branch*
Rural Development Bank
34 ASB
CAMKO Specialized Bank Ltd.
First Investment Specialized Bank
Angkor Capital Bank
Tomato Specialized Bank
Anco Specialized Bank
35 PHSME
PHSME Specialized Bank
100.0%
100.0%
71.7%
Total Paid-up
Capital
Amount paid
100.0%
51.0%
45.0%
100.0%
88.6%
100.0%
100.0%
-
444,290
161,439
129,046
155,502
134,151
151,463
149,443
-
3,399,177
Specialized Banks
RDB
CKSB
FISB
ACB
TSB
Share(%)
363,510
155,108
298,886
157,723
282,730
161,560
161,560
157,521
157,521
153,482
17,312
149,443
147,424
145,404
145,404
121,170
113,092
100,975
82,194
80,780
68,663
64,624
60,585
52,507
Sub Total
29
30
31
32
33
Cambodian share
Market Share
444,290
363,510
80,780
68,663
64,624
60,585
52,507
8.8%
7.2%
6.3%
5.9%
5.7%
5.6%
3.2%
3.2%
3.1%
3.1%
3.1%
3.0%
3.0%
3.0%
3.0%
3.0%
2.9%
2.9%
2.9%
2.4%
2.2%
2.0%
1.6%
1.6%
1.4%
1.3%
1.2%
1.0%
1,325,333
4,724,510
93.6%
316,547
298,886
286,769
282,730
161,560
161,560
157,521
157,521
155,502
153,482
151,463
151,463
149,443
149,443
147,424
145,404
145,404
121,170
113,092
100,975
82,194
52,507
40,370
23,467
100.0%
100.0%
0.1%
28.7%
82,284
48,468
20
9,380
82,284
52,507
48,468
40,390
32,716
1.6%
1.0%
1.0%
0.8%
0.6%
-
-
100.0%
32,716
32,716
0.6%
-
-
100.0%
31,282
31,282
0.6%
116,344
204,149
320,362
6.4%
3,515,521
1,529,482
5,044,872
100.0%
Sub Total
Total
* Foreign Branch
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
Minimum paid up capital of commercial bank and specialized bank is 150,000 million riel and 30,000 million riel respectively.
0.6%
0.6%
0.6%
1.0%
0.8%
1.6%
1.0%
1.0%
1.3%
1.2%
1.6%
1.4%
1.6%
2.2%
2.0%
2.9%
2.4%
2.9%
2.9%
3.0%
3.0%
3.0%
3.0%
3.0%
3.1%
3.1%
3.2%
3.1%
5.6%
3.2%
5.9%
5.7%
7.2%
6.3%
8.8%
9.0%
8.0%
7.0%
6.0%
5.0%
4.0%
3.0%
2.0%
1.0%
0.0%
MARKET SHARES OF PAID-UP CAPITAL
FOREIGN AND CAMBODIAN SHARE OF PAID-UP CAPITAL
100%
54%
53%
58%
52%
56%
67%
71%
73%
70%
Foreign Share (%)
46%
47%
42%
48%
44%
33%
29%
27%
30%
Cambodian Share (%)
2003
2004
2005
2006
2007
2008
2009
2010
2011
50%
0%
-14-
COMPARATIVE STATEMENT OF CONDITION
AS AT DECEMBER 31, 2011
Table 5
(millions of KHR)
Cash, Loans, Deposits with NBC and Banks
Total Assets
Cash
Gold
Deposits with
NBC
Due from
Banks
Loans and Advances to Customers
Deposits with,
Loans and
advances to,
Banks
Loans and
advances to
state
enterprises
Loans and
advances to
private sector
Accrued
interest
receivable
Securities
Claims on
goverment
Prepaid
Expenses
Fixed assets
Other assets
Commercial Banks
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
Acleda Bank Plc.
Canadia Bank Plc.
Cambodian Public Bank Plc
ANZ Royal Bank (Cambodia) Ltd.
BIDC
Foreign Trade Bank of Cambodia
May Bank, Phnom Penh Branch*
Union Commercial Bank Plc.
Bank of China Phnom Penh Branch*
Advanced Bank of Asia Ltd.
Vattanac Bank Ltd.
First Commercial Bank, P.P Branch*
Maruhan Japan Bank Plc
Cambodian Commercial Bank Ltd.
Phnom Penh Commercial Bank
OSK Indochina Bank Ltd
CIMB
Saigon Thuong Tin (Cambodia) Plc
Agri Bank Cambodia Branch*
Cambodia Asia Bank Ltd.
Singapore Banking Corporation
Krung Thai Bank Public Ltd., P.P Branch*
Shinhan Khmer Bank
Hwang DBS Commercial Bank Plc.
Kookmin Bank Cambodia Plc
Cambodia Mekong Bank Public Ltd.
Booyong Khmer Bank
Bank of India Phnom Penh Branch*
Sub-Total
Specialized Banks
29 Rural Development Bank
30 First Investment Specialized Bank
31 CAMKO Specialized Bank Ltd.
32 Angkor Capital Bank
33 Anco Specialized Bank
34 PHSME Specialized Bank
35 Tomato Specialized Bank
Sub-Total
Total
6,063,681
5,279,836
4,093,420
2,840,347
1,820,359
1,654,958
1,290,251
1,025,197
833,832
817,998
763,629
578,187
501,262
474,833
413,934
413,896
,
363,255
353,082
274,034
271,189
256,538
229,641
198,916
198,540
187,653
183,550
152,422
67,478
31,601,920
490,351
370,566
149,331
139,389
17,377
35,098
64,251
208,114
12,873
38,922
97,846
54,031
9,335
22,022
17,195
12,214
,
18,858
13,066
4,163
85,074
41,501
4,455
6,490
3,361
8,214
16,980
590
357
1,942,024
209,828
61,268
55,480
54,824
38,350
34,659
34,601
489,010
3,255
22,573
1,315
148
2,289
6,283
106
35,969
32,090,929
1,977,993
9,959
28
9,987
9,987
961,628
1,182,801
871,529
959,695
142,364
667,592
412,394
143,561
379,679
106,149
166,415
59,867
232,685
280,530
47,042
93,301
,
124,140
45,542
44,882
28,833
39,040
46,197
25,579
22,475
24,119
46,687
15,587
8,255
7,178,568
336,057
286,526
54,657
23,617
211,442
131,048
115,919
43,468
57,520
8,496
27,476
22,064
11,767
28,973
15,244
795
26,615
7,911
13,012
15,064
9,439
2
9,698
3,284
24,366
11,632
2,661
1,441
1,500,194
10,882
95,375
404,042
276,181
97,259
159,673
20,201
14,250
353,023
269,836
74,672
60,809
111,783
152,719
52,602
,
24,466
130,638
2,467
1,766
64,810
62,332
26,443
2,032
130,954
39,974
2,639,187
-
4,061,344
2,977,665
2,417,590
1,301,854
1,145,998
595,172
656,117
586,079
24,618
373,634
342,187
375,703
122,495
126,296
173,301
232,426
,
171,173
225,083
77,750
134,392
137,411
111,329
152,566
74,118
98,147
80,175
16,698
16,791,317
37,145
41,538
22,880
105
9,992
5,832
3,815
1,202
8
3,043
822
2,039
481
427
1,036
814
752
3,333
250
1,394
729
678
438
736
854
399
71
140,813
62,552
8,205
6,266
3,292
1,639
4,204
1,929
88,087
4,664
3,601
6,109
133
27
1,306
15,841
8,331
606
6,542
15,479
-
127,320
22,892
39,838
34,910
33,677
22,748
20,763
302,148
1,400
441
1,525
348
654
438
534
5,339
7,266,655
1,516,035
2,654,666
-
17,093,464
146,152
* Foreign branches
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
-15-
39,119
873
101
7,173
47,266
-
17,400
17,588
9,322
937
2,012
2,317
4,448
1,258
820
3,623
1,735
1,318
7,990
250
2,688
1,718
,
1,291
19,965
340
1,897
5,665
15
250
875
2,300
2,223
113
110,359
132,591
193,226
165,270
42,129
35,281
57,589
10,766
22,286
3,791
14,167
52,369
1,599
4,624
10,842
4,429
20,023
,
20,418
3,757
2,952
729
19,526
2,071
3,685
24,306
4,636
3,211
407
569
857,246
16,283
114,551
(1,199)
96,441
119,517
638
2,340
4,106
1,500
27
108
757
103
5,494
282
4
8
46
1,339
1,460
57
460
504
20,134
1
384,959
-
-
35
842
244
295
4
38
240
1,697
2,258
2,098
184
15,092
87
922
2,970
23,611
13
616
210
839
47,266
-
112,056
880,857
385,798
PERCENTAGE DISTRIBUTION OF ASSETS OF INDIVIDUAL BANKS
AS AT DECEMBER 31, 2011
Table 6
Cash, Loans, Deposits with NBC and Banks
Total Assets
Cash
Gold
Deposits with
NBC
Due from
Banks
Loans and Advances to Customers
Deposits with,
Loans and
advances to,
Banks
Loans and
advances to
state
enterprises
Loans and
advances to
private sector
Accrued
interest
receivable
Securities
Claims on
goverment
Prepaid
Expenses
Fixed assets
Other assets
Commercial Banks
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
8.1
7.0
3.6
4.9
1.0
2.1
5.0
20.3
1.5
4.8
12.8
9.3
1.9
4.6
4.2
3.0
5.2
3.7
1.5
31.4
16.2
1.9
3.3
1.7
4.4
9.3
0.4
0.5
6.1
2.8
0.0
0.0
15.9
22.4
21.3
33.8
7.8
40.3
32.0
14.0
45.5
13.0
21.8
10.4
46.4
59.1
11.4
22.5
34.2
12.9
16.4
10.6
15.2
20.1
12.9
11.3
12.9
25.4
10.2
12.2
22.7
5.5
5.4
1.3
0.8
11.6
7.9
9.0
4.2
6.9
1.0
3.6
3.8
2.3
6.1
3.7
0.2
7.3
2.2
4.7
5.6
3.7
0.0
4.9
1.7
13.0
6.3
1.7
2.1
4.7
0.2
1.8
9.9
9.7
5.3
9.6
1.6
1.4
42.3
33.0
9.8
10.5
22.3
36.9
12.7
6.9
47.7
0.9
0.7
28.2
31.4
14.1
1.1
85.9
59.2
8.4
-
67.0
56.4
59.1
45.8
63.0
36.0
50.9
57.2
3.0
45.7
44.8
65.0
24.4
26.6
41.9
56.2
47.1
63.7
28.4
49.6
53.6
48.5
76.7
37.3
52.3
43.7
24.7
53.1
0.6
0.8
0.6
0.0
0.5
0.4
0.3
0.1
0.0
0.4
0.1
0.4
0.1
0.1
0.3
0.2
0.2
0.9
0.1
0.5
0.3
0.3
0.2
0.4
0.5
0.2
0.1
0.4
2.1
0.1
0.0
3.6
0.1
-
0.3
0.3
0.2
0.0
0.1
0.1
0.3
0.1
0.1
0.4
0.2
0.2
1.6
0.1
0.6
0.4
0.4
5.7
0.1
0.7
2.2
0.0
0.1
0.5
1.3
1.5
0.2
0.3
2.2
3.7
4.0
1.5
1.9
3.5
0.8
2.2
0.5
1.7
6.9
0.3
0.9
2.3
1.1
4.8
5.6
1.1
1.1
0.3
7.6
0.9
1.9
12.2
2.5
1.7
0.3
0.8
2.7
0.3
2.2
(0.0)
3.4
6.6
0.0
0.2
0.4
0.2
0.0
0.0
0.1
0.0
1.2
0.1
0.0
0.0
0.0
0.5
0.6
0.0
0.2
0.3
11.0
0.0
1.2
Specialized Banks
29 Rural Development Bank
30 First Investment Specialized Bank
31 CAMKO Specialized Bank Ltd.
32 Angkor Capital Bank
33 Anco Specialized Bank
34 PHSME Specialized Bank
35 Tomato Specialized Bank
Sub-Total
100
100
100
100
100
100
100
100
1.6
36.8
2.4
0.3
6.0
18.1
0.3
7.4
-
29.8
13.4
11.3
6.0
4.3
12.1
5.6
18.0
2.2
5.9
11.0
0.2
0.1
3.8
3.2
4.0
1.1
18.9
3.2
-
60.7
37.4
71.8
63.7
87.8
65.6
60.0
61.8
0.7
0.7
2.7
0.6
1.7
1.3
1.5
1.1
-
-
0.0
1.4
0.4
0.5
0.0
0.1
0.7
0.3
1.1
3.4
0.3
27.5
0.2
2.7
8.6
4.8
0.0
1.0
0.6
0.2
Total
100
6.2
0.0
22.6
4.7
8.3
-
53.3
0.5
0.1
-
0.3
2.7
1.2
Acleda Bank Plc.
Canadia Bank Plc.
Cambodian Public Bank Plc
ANZ Royal Bank (Cambodia) Ltd.
BIDC
Foreign Trade Bank of Cambodia
May Bank, Phnom Penh Branch*
Union Commercial Bank Plc.
Bank of China Phnom Penh Branch*
Advanced Bank of Asia Ltd.
Vattanac Bank Ltd.
First Commercial Bank, P.P Branch*
Maruhan Japan Bank Plc
Cambodian Commercial Bank Ltd.
Phnom Penh Commercial Bank
OSK Indochina Bank Ltd
CIMB
Saigon Thuong Tin (Cambodia) Plc
Agri Bank Cambodia Branch*
Cambodia Asia Bank Ltd.
Singapore Banking Corporation
Krung Thai Bank Public Ltd., P.P Branch*
Shinhan Khmer Bank
Hwang DBS Commercial Bank Plc.
Kookmin Bank Cambodia Plc
Cambodia Mekong Bank Public Ltd.
Booyong Khmer Bank
Bank of India Phnom Penh Branch*
Sub-Total
* Foreign branches
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
-16-
COMPARATIVE STATEMENT OF CONDITION
AS AT DECEMBER 31, 2011
Table 7
(millions of KHR)
Total
Liabilities
and Equity
Owed to
NBC
Owed to
Banks
Borrowed
Funds
Other
liabilities
Customer's deposit
Shareholder's equity
Reserves
Subordinated
loans (after
NBC's
agreement)
General
provisions &
other
316,547
444,290
363,510
286,769
282,730
155,502
121,170
151,463
60,585
145,404
151,463
113,092
298,886
100,975
157,521
161,560
149 443
149,443
153,482
157,521
147,424
68,663
82,194
80,780
161,560
64,624
149,443
145,404
52,507
4,724,510
161,560
546
162,106
266,878
28,596
40,390
4,039
339,903
206,183
651
244
124
706
207,908
5,047
508
286
5,660
1,500
841
82,284
48,468
52,507
40,390
32,716
31,282
10,837
-
6,325
-
-
0
838
14,681
32,716
320,362
10,837
6,325
-
393,214
1,034,661
5,044,872
172,943
346,228
Demand
deposits
Saving
deposits
Fixed
deposits
Accrued
interest
payable
Other
deposits
17,776
9,658
2,343
24,199
5,956
1,135
2,157
236,121
2,818
956
993
1
1,445
1,459
377
75,395
539
0
72
36
1,151
8,626
0
393,214
290,140
201,237
79,735
148,286
33,171
22,375
21,859
22,702
103,496
5,506
8,171
4,315
3,417
6,669
3,083
4,894
16 647
16,647
11,523
12,890
2,932
5,092
2,487
3,205
1,158
2,073
1,889
380
649
1,019,980
0
Paid up
Capital
Retained and
Current
Profit/Loss
Commercial Banks
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
Acleda Bank Plc.
Canadia Bank Plc.
Cambodian Public Bank Plc
ANZ Royal Bank (Cambodia) Ltd.
BIDC
Foreign Trade Bank of Cambodia
May Bank, Phnom Penh Branch*
Union Commercial Bank Plc.
Bank of China Phnom Penh Branch*
Advanced Bank of Asia Ltd.
Vattanac Bank Ltd.
First Commercial Bank, P.P Branch*
Maruhan Japan Bank Plc
Cambodian Commercial Bank Ltd.
Phnom Penh Commercial Bank
OSK Indochina Bank Ltd
C
CIMB
Saigon Thuong Tin (Cambodia) Plc
Agri Bank Cambodia Branch*
Cambodia Asia Bank Ltd.
Singapore Banking Corporation
Krung Thai Bank Public Ltd., P.P Branch*
Shinhan Khmer Bank
Hwang DBS Commercial Bank Plc.
Kookmin Bank Cambodia Plc
Cambodia Mekong Bank Public Ltd.
Booyong Khmer Bank
Bank of India Phnom Penh Branch*
Sub-Total
6,063,681
5,279,836
4,093,420
2,840,347
1,820,359
1,654,958
1,290,251
1,025,197
833,832
817,998
763,629
578,187
501,262
474,833
413,934
413,896
363 256
363,256
353,082
274,034
271,189
256,538
229,641
198,916
198,540
187,653
183,550
152,422
67,478
31,601,920
-
169,959
405,036
11,956
50,476
1,019,875
89,275
510,825
48,868
86,011
15,087
440
139,756
17,153
81
158,311
71,680
12 253
12,253
120,154
20
9,170
8,373
29,476
59,148
47
8,089
3,041,520
145,054
284
55,149
200,487
482,818
233,685
755,659
948,425
129,125
260,271
272,696
135,947
185,015
20,145
149,756
42,400
6,373
67,581
3,564
53,047
45 696
45,696
7,848
22,204
20,186
61,317
5,253
18,628
4,441
8,603
42,860
51
533
3,984,127
2,017,137
1,336,694
789,139
923,735
11,387
360,408
135,889
213,732
86,570
375,141
117,380
151,596
125,170
245,079
31,259
23,165
18 995
18,995
27,316
689
26,578
77,455
58,386
57,376
4,836
42,850
23,835
3,425
1,266
7,286,486
1,946,771
2,343,246
1,568,680
431,112
287,840
678,760
195,922
405,333
41,318
255,721
308,540
90,297
77,969
23,524
50,726
110,317
135 072
135,072
21,978
3,414
64,595
53,443
391
15,757
3,120
13,055
1,551
9,128,450
27,547
51,139
21,157
2,821
11,989
9,694
1,075
21,470
413
5,866
3,704
8,764
1,799
41
827
1,719
570
168
85
1,570
1,052
0
20
34
75
58
0
33
173,690
209,828
61,268
55,480
54,824
38,350
34,659
-
534
22,426
-
96,983
-
3,018
30
442
1,918
858
138
4
-
1,441
-
25
-
34,601
489,010
-
22,960
1,616
98,599
8
5,415
1,001
1,441
25
32,090,929
-
3,064,480
299,086
3,989,543
7,287,487
9,129,892
173,716
176,873
226,255
339,682
48,724
19,393
71,928
29,681
23,401
(6,371)
(7,690)
23,220
26,974
(29,507)
29,438
7,183
(12,862)
(15 421)
(15,421)
10,613
1,835
7,906
(11,043)
15,906
14,704
(6,120)
(3,925)
(43,207)
3,162
(1,189)
939,539
Specialized Banks
29
30
31
32
33
34
Rural Development Bank
First Investment Specialized Bank
CAMKO Specialized Bank Ltd.
Angkor Capital Bank
Anco Specialized Bank
PHSME Specialized Bank
35 Tomato Specialized Bank
Sub-Total
Total
* Foreign branches
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
-17-
-
207,908
13,312
1,455
2,519
(14,099)
4,135
618
(577)
7,362
946,901
PERCENTAGE DISTRIBUTION OF LIABILITIES & EQUITY OF INDIVIDUAL BANKS
AS AT DECEMBER 31, 2011
Table 8
Total
Liabilities
and Equity
Owed to
NBC
Owed to
Banks
Borrowed
Funds
Other
liabilities
Customer's deposit
Demand
deposits
Saving
deposits
Fixed
deposits
Accrued
interest
payable
Other
deposits
Shareholder's equity
Paid up
Capital
Reserves
Subordinated
loans (after
NBC's
agreement)
General
provisions &
other
Retained and
Current
Profit/Loss
Commercial Banks
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
Acleda Bank Plc.
Canadia Bank Plc.
Cambodian Public Bank Plc
ANZ Royal Bank (Cambodia) Ltd.
BIDC
Foreign Trade Bank of Cambodia
May Bank, Phnom Penh Branch*
Union Commercial Bank Plc.
Bank of China Phnom Penh Branch*
Advanced Bank of Asia Ltd.
Vattanac Bank Ltd.
First Commercial Bank, P.P Branch*
Maruhan Japan Bank Plc
Cambodian Commercial Bank Ltd.
Phnom Penh Commercial Bank
OSK Indochina Bank Ltd
CIMB
Saigon Thuong Tin (Cambodia) Plc
Agri Bank Cambodia Branch*
Cambodia Asia Bank Ltd.
Singapore Banking Corporation
Krung Thai Bank Public Ltd., P.P Branch*
Shinhan Khmer Bank
Hwang DBS Commercial Bank Plc.
Kookmin Bank Cambodia Plc
Cambodia Mekong Bank Public Ltd.
Booyong Khmer Bank
Bank of India Phnom Penh Branch*
Sub-Total
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
-
2.8
7.7
0.3
1.8
56.0
5.4
39.6
4.8
10.3
1.8
0.1
24.2
3.4
0.0
38.2
17.3
3.4
34.0
0.0
4.0
4.2
14.8
31.5
0.0
12.0
9.6
2.4
0.0
24.0
0.6
8.0
4.4
18.5
33.4
7.1
15.7
21.1
13.3
22.2
2.5
19.6
7.3
1.3
14.2
0.9
12.8
12.6
2.2
8.1
7.4
23.9
2.3
9.4
2.2
4.6
23.4
0.0
0.8
12.6
33.3
25.3
19.3
32.5
0.6
21.8
10.5
20.8
10.4
45.9
15.4
26.2
25.0
51.6
7.6
5.6
5.2
7.7
0.3
9.8
30.2
25.4
28.8
2.4
22.8
13.0
2.2
1.9
23.1
32.1
44.4
38.3
15.2
15.8
41.0
15.2
39.5
5.0
31.3
40.4
15.6
15.6
5.0
12.3
26.7
37.2
6.2
1.2
23.8
20.8
0.2
7.9
1.6
7.0
2.3
28.9
0.5
1.0
0.5
0.1
0.7
0.6
0.1
2.1
0.0
0.7
0.5
1.5
0.4
0.0
0.2
0.4
0.2
0.0
0.0
0.6
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.3
0.2
0.1
1.3
0.4
0.1
0.2
28.3
0.3
0.1
0.2
0.0
0.3
0.4
0.1
27.5
0.2
0.0
0.0
0.0
0.6
4.7
0.0
1.2
4.8
3.8
1.9
5.2
1.8
1.4
1.7
2.2
12.4
0.7
1.1
0.7
0.7
1.4
0.7
1.2
4.6
3.3
4.7
1.1
2.0
1.1
1.6
0.6
1.1
1.0
0.2
1.0
3.2
5.2
8.4
8.9
10.1
15.5
9.4
9.4
14.8
7.3
17.8
19.8
19.6
59.6
21.3
38.1
39.0
41.1
43.5
57.5
54.4
26.8
35.8
40.6
81.4
34.4
81.4
95.4
77.8
15.0
3.9
0.0
0.5
4.4
0.5
4.8
6.0
1.1
3.4
0.0
0.0
0.0
0.3
0.7
2.9
4.3
8.3
1.7
1.1
4.3
2.3
2.3
(0.8)
(0.9)
3.0
4.7
(5.9)
6.2
1.7
(3.1)
(4.2)
3.0
0.7
2.9
(4.3)
6.9
7.4
(3.1)
(2.1)
(23.5)
2.1
(1.8)
3.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
-
0.3
40.9
4.7
46.2
4.7
20.2
1.4
0.1
0.8
5.5
0.0
1.1
0.4
0.2
0.0
0.2
0.7
0.3
0.0
0.0
0.0
0.0
2.4
0.8
0.5
10.3
3.9
2.4
2.4
3.0
39.2
79.1
94.6
73.7
85.3
90.3
94.6
65.5
17.7
2.2
3.0
1.3
-
6.3
2.4
4.5
(25.7)
10.8
1.8
(1.7)
1.5
100.0
-
9.5
0.9
12.4
22.7
28.5
0.5
1.2
3.2
15.7
0.5
1.1
0.6
Specialized Banks
29
30
31
32
33
34
35
Total
Rural Development Bank
First Investment Specialized Bank
CAMKO Specialized Bank Ltd.
Angkor Capital Bank
Anco Specialized Bank
PHSME Specialized Bank
Tomato Specialized Bank
Sub-Total
* Foreign branches
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
-18-
3.0
PROFIT AND LOSS STATEMENT
For the Year Ending December 31, 2011
Table 9
Interest
income
Interest
Expenses
Net interest
Income
Non
Interest
Income
1
2
3=1-2
4
GOI
(Gross
Operating
Inc or loss)
5=3+4
Operating
Expenses
(Excluding
depriciation)
6
Provision Expenses
Depreciation
Bad debts &
Doubtful
7
8
Recoveries
P&L
Before
Tax
Profit
Tax
9
10=5-6-7-8+9
11
Extra gains or
Losses Prior
year Adjustment
G/Reserves
12
(millions of KHR)
Net profit
& Loss for
12 months
13=10-11+/-12
Commercial Banks
1 Acleda Bank Plc.
2 Canadia Bank Plc.
3 Cambodian Public Bank Plc
4 ANZ Royal Bank (Cambodia) Ltd.
5 Foreign Trade Bank of Cambodia
6 First Commercial Bank, P.P. Branch
7 Bank for Investment and development of Cambodia Plc.
8 Union Commercial Bank Plc.
9 Vattanac Bank Ltd.
586,905
116,392
470,514
101,556
572,070
316,048
21,522
14,760
3,888
223,627
44,218
268,698
118,023
150,676
59,605
210,280
65,492
11,562
26,659
35,963
142,531
-
251,654
85,507
166,147
51,090
217,236
51,351
10,523
39,211
3,413
119,565
22,824
114,919
19,168
95,751
64,044
159,794
85,651
10,426
2,622
-
61,095
12,233
(2,536)
176,873
(34)
142,497
(1,021)
72
72,392
34,352
38,040
10,182
48,222
14,780
836
3,353
6,463
35,717
-
-
32,941
3,371
29,570
4,739
34,309
7,702
480
2,533
-
23,594
-
-
117,012
74,341
42,671
11,889
54,560
22,059
1,892
5,889
-
24,720
5,318
57,965
26,936
31,029
17,648
48,677
18,221
1,796
5,036
355
23,979
5,477
95,720
48,933
35,717
23,594
(9)
19,393
123
18,625
32,200
11,929
20,271
8,857
29,128
13,935
2,334
(2,809)
-
15,667
3,146
61
12,583
10 May Bank, Phnom Penh Branch*
11 Saigon Thuong Tin (Cambodia) Plc
49,584
6,098
43,486
8,479
51,965
15,919
4,088
13,653
-
18,305
6,990
129
11,443
21,574
2,467
19,107
18,832
7,041
867
739
-
10,184
2,102
2,531
10,613
12 Advanced Bank of Asia Ltd.
13 Shinhan Khmer Bank
53,446
27,159
26,287
9,543
35,830
19,099
4,403
4,433
973
8,868
666
11,469
511
10,958
3,287
14,245
5,685
518
279
-
7,763
18,421
5,354
13,067
2,904
15,971
8,238
853
825
-
7,481
,
475
7,006
,
5,650
,
12,656
,
5,880
,
1,313
,
-
-
14 Phnom Penh Commercial Bank
15 Cambodian Commercial Bank Ltd.
16 Agriculture Bank
17 Singapore Banking Corporation Ltd.
18 Krung Thai Bank Public P.P. Branch
19 Booyong Khmer Bank
20 Cambodia Asia Bank Ltd.
21 Kookmin Bank Cambodia
22 Cambodia Mekong Bank Public Ltd.
23 Bank of India PP branch
24 Hwang DBS
25 Bank of China*
26 OSK Indochina Bank Ltd
27 Maruhan Japan Bank Plc
28 CIMB Bank Plc.
Sub total
(276)
8,402
624
7,778
462
8,240
3,636
484
264
12,750
2,413
10,337
7,042
17,379
12,743
1,103
1,008
3,978
110
3,868
2,701
6,569
2,817
319
(137)
2,507
14
2,492
398
2,890
1,508
385
(6)
(29)
8,173
1,767
48
6,044
6,055
1,355
720
5,419
5,463
,
1,340
,
613
4,735
,
3,855
315
6
3,547
2,530
-
37
2,567
-
3,570
890
808
1,811
395
0
1,416
5
(225)
2,455
9,069
3,158
5,911
13,786
19,698
13,483
808
4,224
56
1,239
303
321
1,257
9,413
1,388
8,025
2,626
10,652
6,272
810
2,690
35
915
112
2
805
8,182
764
7,418
1,541
8,959
8,292
1,577
(1,763)
3
857
154
0
1,725
93
1,633
216
1,848
1,325
17
351
-
155
26
7,560
297
7,263
6,960
6,164
247
1,195
-
(646)
2,090
1,349
741
4,173
(303)
4,914
8,459
1,567
1,054
-
(6,166)
17,748
5,972
11,776
2,829
14,605
15,673
2,787
1,386
-
(5,240)
10,608
5,370
5,238
3,376
8,614
8,268
4,393
1,416
-
(5,463)
6,467
1,797,161
2,003
555,637
4,464
1,241,524
664
398,707
5,127
1,640,231
10,915
756,656
5,936
93,846
1,712
130,575
51,961
8,408
4,860
6,385
2,600
3,187
3,440
4,588
233
1,231
55
8,175
4,860
5,154
2,600
3,187
3,440
4,533
457
187
122
949
226
306
347
8,632
5,048
5,277
3,549
3,413
3,746
4,880
3,787
607
2,671
1,663
1,943
2,211
1,706
350
100
329
245
125
650
1,468
567
372
1,024
855
812
9,500
851
255
-
33,468
1,519
31,949
2,595
34,544
14,587
3,266
13,130
1,106
1,830,629
557,156
1,273,473
401,302
1,674,775
771,244
97,113
143,705
53,067
-
83
(1,020)
703
129
3
(726)
-
(5,146)
211
-
(5,451)
145
(61)
(5,669)
(13,436)
711,114
75
109,125
(84)
665
(13,594)
602,653
3,928
3,969
2,276
1,468
746
72
(7,793)
81
794
66
40
51
(191)
(0)
(1)
(13)
(130)
2
0
3,656
3,175
2,209
1,455
615
34
(7,844)
4,666
1,032
(334)
3,301
715,780
110,157
Specialized Banks
29
30
31
32
33
34
35
Rural Development Bank
Anco Specialized Bank Ltd.
CAMKO Specialized Bank Ltd.
First Investment Specialized Bank Ltd.
PHSME Specialized Bank Ltd.
Tomato Specialized Bank
Angkor Capital Specialized Bank
Sub total
Total
* Foreign Branch
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
-19-
331
605,954
NET PROFITS
For the Year Ending December 31, 2011
Table 10
(millions of KHR)
Net profit
Total Assets
As Percentage of
Assets
Loans
1
As Percentage of
Loans
Commercial Banks
1 Acleda Bank Plc.
2 Canadia Bank Plc.
3 Cambodian Public Bank Plc
176,873
6,063,681
2.9%
4,102,821
4.3%
142,497
5,279,836
2.7%
3,079,009
4.6%
95,720
4,093,420
2.3%
2,484,017
3.9%
4 ANZ Royal Bank (Cambodia) Ltd.
5 Foreign Trade Bank of Cambodia
48,933
2,840,347
1.7%
1,332,837
3.7%
35,717
1,654,958
2.2%
608,553
5.9%
6 First Commercial Bank, Phnom Penh Branch*
7 Bank for Investment and Development of Cambodia Plc
23,594
578,187
4.1%
19,393
1,820,359
1.1%
379,811
1,156,250
1.7%
8 Union Commercial Bank Plc.
18,625
1,025,197
1.8%
12,583
763,629
1.6%
589,874
343,242
3.2%
9 Vattanac Bank Ltd.
11,443
1,290,251
0.9%
682,814
1.7%
10,613
353,082
3.0%
229,563
4.6%
12 Advanced Bank of Asia Ltd.
8,173
817,998
1.0%
379,903
2.2%
13 Shinhan Khmer Bank
14 Phnom Penh Commercial Bank
6,044
198,916
3.0%
153,058
3.9%
5,419
413,934
1.3%
174,337
3.1%
15 Cambodian Commercial Bank Ltd.
4,735
474,833
1.0%
126,722
3.7%
16 Agri Bank Cambodia Branch*
3,547
274,034
1.3%
78,057
4.5%
17 Singapore Banking Corporation
2,567
256,538
1.0%
138,281
1.9%
18 Krung Thai Bank Public Co. Ltd., P.P. Branch*
19 Booyong Khmer Bank
2,455
229,641
1.1%
112,006
2.2%
1,416
152,422
0.9%
20 Cambodia Asia Bank Ltd.
1,257
271,189
0.5%
142,366
0.9%
21 Kookmin Bank Cambodia Plc
805
187,653
0.4%
101,414
0.8%
22 Cambodia Mekong Bank Public Ltd.
23 Bank of India Phnom Penh Branch*
703
183,550
0.4%
87,481
0.8%
129
67,478
0.2%
16,769
0.8%
10 May Bank, Phnom Penh Branch*
11 Saigon Thuong Tin (Cambodia) Plc
6.2%
3.7%
0.0%
24 Hwang DBS Commercial Bank Plc
25 Bank of China Phnom Penh Branch*
(726)
198,540
-0.4%
75,668
-1.0%
(5,146)
833,832
-0.6%
-20.9%
26 OSK Indochina Bank Ltd
(5,451)
413,896
-1.3%
24,626
233,588
27 Maruhan Japan Bank Plc
(5,669)
501,262
-1.1%
133,163
-4.3%
(13,594)
602,653
363,255
31,601,920
-3.7%
1.9%
171,925
17,138,155
-7.9%
3.5%
28 CIMB Bank
Sub total
-2.3%
Specialized Banks
29 Rural Development Bank
30 Anco Specialized Bank
31 CAMKO Specialized Bank Ltd.
32 First Investment Specialized Bank
33 PHSME Specialized Bank
3,656
209,828
1.7%
130,811
2.8%
3,175
38,350
8.3%
39,261
8.1%
2,209
55,480
4.0%
44,259
5.0%
1,455
61,268
34,659
2.4%
24,327
6.0%
1.8%
24,102
2.6%
34,601
54,824
0.1%
22,143
0.2%
-14.3%
51,319
-15.3%
3,301
489,010
0.7%
336,222
1.0%
605,954
32,090,929
1.9%
17,474,377
3.5%
615
34 Tomato Specialized Bank
35 Angkor Capital Specialized Bank
34
(7,844)
Sub total
Total
* Foreign Branch
1
Gross Loans (excluding loans to government & banks)
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
600,000
Net Profits
129%
800,000
73%
67%
150%
42%
31%
62%
50%
400,000
-
0%
-46%
200,000
98,014
224,148
373,815
489,478
263,108
374,018
605,954
2005
2006
2007
2008
2009
2010
2011
-20-
100%
-50%
-100%
Net profits
Percentage changes
COMPARISON OF TOTAL DEPOSITS1
As of December 31, 2011
Table 11
2011
(millions of KHR)
Growth Rate (%)
2010
Share
Share
2011 over 2010
Commercial Banks
1 Acleda Bank Plc.
2 Canadia Bank Plc.
4,492,049
21.4%
3,606,757
20.6%
24.5%
3,974,422
18.9%
3,101,796
17.7%
28.1%
3 Cambodian Public Bank Plc
4 ANZ Royal Bank (Cambodia) Ltd.
3,136,978
15.0%
3,231,618
18.5%
-2.9%
2,306,093
11.0%
2,059,786
11.8%
12.0%
5 Foreign Trade Bank of Cambodia
6 Union Commercial Bank Plc.
1,315,089
6.3%
1,076,071
6.2%
22.2%
778,639
3.7%
631,136
3.6%
23.4%
7 Advanced Bank of Asia Ltd.
8 May Bank, Phnom Penh Branch*
659,691
3.1%
477,593
2.7%
38.1%
606,716
2.9%
788,443
4.5%
-23.0%
9 Vattanac Bank Ltd.
10 Bank of China Phnom Penh Branch*
11 Bank for Investment and Development of Cambodia Plc
12 Cambodian Commercial Bank Ltd.
580,336
2.8%
660,287
3.8%
-12.1%
549,437
2.6%
464,539
2.2%
337,670
13 First Commercial Bank, Phnom Penh Branch*
14 Maruhan Japan Bank Plc.
294,051
15 CIMB Bank
16 Singapore Banking Corporation
-
0.0%
0.0%
394,786
2.3%
17.7%
1.6%
291,111
1.7%
16.0%
1.4%
163,477
0.9%
79.9%
211,313
1.0%
164,965
0.9%
28.1%
200,333
1.0%
12,214
0.1%
1540.2%
193,807
0.9%
167,513
1.0%
15.7%
17 OSK Indochina Bank
18 Cambodia Asia Bank Ltd.
188,624
0.9%
95,594
0.5%
97.3%
112,929
0.5%
76,788
0.4%
47.1%
19 Agri Bank Cambodia Bank*
20 Shinhan Khmer Bank
101,788
0.5%
14,882
0.1%
584.0%
91,853
0.4%
93,519
0.5%
-1.8%
21 Phnom Penh Commercial Bank
22 Cambodia Mekong Bank Public Ltd.
87,836
0.4%
44,254
0.3%
98.5%
75,379
0.4%
64,928
0.4%
16.1%
23 Kookmin Bank Cambodia Plc
24 Krung Thai Bank Public Co. Ltd., P.P. Branch*
65,734
0.3%
37,238
0.2%
76.5%
64,030
0.3%
50,408
0.3%
27.0%
25 Saigon Thuong Tin (Cambodia) Plc
57,310
0.3%
63,744
0.4%
-10.1%
26 Hwang DBS Commercial Bank Plc
27 Booyoung Khmer Bank
12,466
0.1%
12,935
0.1%
-3.6%
3,477
0.0%
634
0.0%
448.3%
28 Bank of India Phnom Penh Branch*
Sub-total
3,383
0.0%
4,137
0.0%
-18.2%
20,965,968
100.0%
17,386,611
99.5%
20.6%
Specialized Banks
29 Rural Development Bank
30 PHSME Specialized Bank
31 Angkor Capital Specialized Bank
5,343
0.0%
5,122
0.0%
4.1%
1,918
0.0%
409
0.0%
78.7%
-98.3%
446
0.0%
25,742
0.1%
32 CAMKO Specialized Bank Ltd.
33 Tomato Specialized Bank
168
8
0.0%
61,238
85
0.4%
-99.7%
0.0%
-1007.2%
34 First Investment Specialized Bank
35 Anco Specialized Bank
-
0.0%
18
0.0%
0.0%
-
0.0%
-
0.0%
0.0%
7,883
0.0%
92,613
0.5%
-91.5%
20,973,851
100.0%
17,479,224
100.0%
20.0%
Sub-total
Total
0.0%
* Foreign branches
Excluding deposits from Banks and Other Financial Institutions (OFIs), both local and abroad.
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
1
Total Deposits1 and Deposits
Total deposit asGrowth
at Dec. 31
80%
75%
70%
44%
35%
9,922
18%
5,655
5,000
10,287
10,000
2005
2006
20,974
17,479
15,000
13,842
20,000
3,927
Billions of KHR
25,000
26%
2007
2008
Deposits
30%
20%
20%
10%
0%
2009
Growth rate
-21-
50%
40%
4%
-
60%
2010
2011
TOTAL DEPOSITS CLASSIFIED BY CUSTOMER TYPE
As of December 31, 2011
Table 12
(millions of KHR)
Total Deposits Government
State
Enterprise
Bank
Municipality Incorporated
in Camobodia
Other local
Financial
Institutions
Business
Enterprise
Individuals
Non-profit
Organization
Bank
Other abroad
Incorporated
Financial
Abroad
Institutions
NonResident
Others
Commercial Banks
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
ACLEDA Bank
Canadia Bank Ltd.
Cambodian Public Bank Plc
ANZ Royal Cambodia
Bank for Investment & Development of Cambodia
Foreign Trade Bank of Cambodia
May Bank
Union Commercial Bank Plc.
Advanced Bank of Asia Ltd.
Bank of China Phnom Penh Branch Ltd.
Vattanac Bank
First Commercial Bank
Cambodian Commercial Bank Ltd.
OSK Indochina Bank
Phnom Penh Commercial Bank
Maruhan Japan Bank Plc.
CIMB Bank Plc.
Singapore Banking Corporation Ltd.
Saigon Thuong Tin (Cambodia) Plc
KOOKMIN Bank Cambodia Plc.
Cambodia Asia Bank Ltd.
AGRI Bank Cambodia Branch
Shinhan Khmer Bank
Cambodia Mekong Bank Ltd.
Krung Thai Bank Public Co. Ltd.
HwangDBS
Bank of India Phnom Penh Branch
Booyoung Khmer Bank
Sub total
4,662,007
4,379,457
3,148,934
2,326,659
1,484,414
1,404,364
1,117,540
827,507
674,778
635,448
580,776
433,807
337,670
259,820
246,147
228,466
212,586
193,826
177,464
124,882
112,929
101,788
100,226
75,425
64,030
41,942
4,192
3,477
23,960,561
176,801
76,154
570
128,434
185
2
-
19,633
162,430
7,120
14,711
334,467
9,893
-
1,427
1,149
60
-
169,802
285,606
11,956
517
89,057
89,275
501,393
48,868
12,448
86,011
440
68,990
125,395
16,314
12,253
20
120,154
37,990
8,160
47
8,345
809
-
41,423
20,049
36,763
2,639
32,916
839
21,158
157
-
721,779
1,564,834
1,405,663
771,004
207,599
308,601
317,371
210,165
162,284
426,862
130,111
187,232
228,093
83,424
24,424
33,753
36,285
39,808
7,659
30,694
20,766
95,098
64,250
41,697
53,870
2,468
368
3,194
3,268,806
2,084,142
1,621,288
1,371,531
38,110
529,110
280,327
551,532
467,312
89,138
427,505
106,819
83,985
89,420
60,421
80,505
61,306
146,352
49,625
35,040
92,163
6,688
18,040
32,986
10,159
8,534
3,002
282
48,119
73,293
37,402
12,742
13,322
2
1,767
113
-
157
894,054
9,432
139,756
1,818
213
858
-
78,007
388
20,116
-
254,722
70,314
36,735
65,647
194,951
7,372
9,018
16,942
27,277
33,437
25
12,085
15,404
1,540
97,054
7,646
26
3
7,306
1,315
13
-
762
16,547
52,818
9,167
5,956
2,818
377
1,448
102,739
490
696
36
-
382,147
548,254
2,636
1,693,851
155,944
7,179,359
11,614,128
186,760
1,046,288
98,511
858,831
193,853
191
191
519
249
30
798
2,345
1,399
197
125
4,066
0
14
14
2,998
8
3,005
156,135
7,180,156
11,618,194
858,846
196,858
Specialized Banks
29
30
31
32
33
34
35
Rural Development Bank
PHSME Specialized Bank Ltd.
Angkor Capital Specialized Bank
CAMKO Specialized Bank Ltd.
Tomato Specialized Bank
First Investment Specialized Bank
ANCO Specialized Bank
Sub total
Total
As Percentage of Total deposits
5,534
1,918
446
168
8
8,074
23,968,635
100.0%
382,147
1.59%
548,254
2.29%
2,636
0.01%
1,693,851
7.07%
*F
Foreign
i B
Branches
h
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
-22-
0.65%
29.96%
48.47%
186,760
0.78%
1,046,288
4.37%
98,511
0.41%
3.58%
0.82%
LOANS AND NON-PERFORMING LOANS (NPLs)
As of December 31, 2011
Table 13
Dec-11
NPLs
Loans1
Commercial Banks
1 Acleda Bank Plc.
2 Canadia Bank Plc.
3 Cambodian Public Bank Plc
4 ANZ Royal Bank (Cambodia) Ltd.
5 Bank for Investment & Development of Cambodia Plc
6 May Bank, Phnom Penh Branch*
7 Foreign Trade Bank of Cambodia
8 Union Commercial Bank Plc.
9 Advanced Bank of Asia Ltd.
10 First Commercial Bank, Phnom Penh Branch*
11 Vattanac Bank Ltd.
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
OSK Indochina Bank
Saigon Thuong Tin (Cambodia) Plc
Phnom Penh Commercial Bank
CIMB Bank
Shinhan Khmer Bank
Cambodia Asia Bank Ltd.
Singapore Banking Corporation
Maruhan Japan Bank Plc.
Cambodian Commercial Bank Ltd.
Krung Thai Bank Public Co. Ltd., P.P. Branch*
Kookmin Bank Cambodia Plc3
Cambodia Mekong Bank Public Ltd.
Agri Bank Cambodia Branch*
Hwang DBS Commercial Bank Plc
Bank of China Phnom Penh Branch*
Bank of India Phnom Penh Branch*
Booyoung Khmer Bank
Sub total
4,102,821
3,079,009
2,484,017
1,332,837
1,156,250
682,814
608,553
589,874
379,903
379,811
343,242
7,299
131,061
89,715
50,520
360
24,616
17,263
2,593
13,652
4,226
-
233,588
229,563
174,337
171,925
153,058
142,366
138,281
133,163
126,722
112,006
101,414
87,481
78,057
75,668
24,626
16,769
17,138,155
(millions of KHR)
Loans1
NPL/Loans
Dec-10
NPLs
NPL/Loans
0.18%
4.26%
3.61%
3.79%
0.03%
3.61%
2.84%
0.44%
3.59%
1.11%
3,047,511
2,140,373
2,326,613
1,193,835
606,506
367,835
527,311
361,091
302,097
303,650
13,599
140,095
78,293
68,079
14,815
17,030
247
2,359
-
0.4%
6.5%
3.4%
5.7%
0.0%
4.0%
3.2%
0.1%
0.8%
0.0%
799
160
2,020
1,893
10,187
593
6,601
22,701
112
386,371
0.00%
0.34%
0.07%
0.00%
0.00%
0.00%
1.42%
1.37%
7.65%
0.00%
0.53%
6.51%
25.95%
0.00%
0.15%
0.00%
0.00%
0.00%
2.25%
230,171
113,346
281,742
96,667
125,767
99,437
107,766
56,971
142,633
101,887
66,230
78,885
56,030
26,457
5,757
1,668
12,768,235
32,381
393
329
20,316
474
897
389,305
14.1%
0.3%
0.0%
0.0%
0.0%
0.0%
0.0%
0.3%
0.0%
0.0%
0.0%
0.0%
25.8%
0.0%
1.8%
0.0%
53.8%
3.0%
130,811
51,319
44,259
39,261
24,327
24,102
22,143
336,222
591
16,976
888
14,614
1,589
2,053
1,600
38,311
0.45%
33.08%
2.01%
37.22%
6.53%
8.52%
7.23%
11.39%
110,127
67,028
85,515
37,173
20,790
23,084
21,828
365,544
593
89
7,532
2,709
342
11,265
0.5%
0.1%
0.0%
20.3%
13.0%
1.5%
0.0%
3.1%
17,474,377
424,682
2.43%
13,133,779
400,570
3.0%
Specialized Banks
29 Rural Development Bank
30 Angkor Capital Specialized Bank
31 CAMKO Specialized Bank Ltd.
32 Anco Specialized Bank
33 First Investment Specialized Bank
34 PHSME Specialized Bank
35 Tomato Specialized Bank
Sub total
* Foreign branches
1
Gross Loans (excluding loans to government and banks)
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
17,474
9.5%
180
2005
340
2006
218
2007
Loans
360
4.4%
10,467
3.7%
9,804
6,335
3.4%
3.0%
457
2008
2009
NPLs
NPLs/Loans
-23-
13,135
7.5%
3,579
20,000
18,000
16,000
14,000
12,000
10,000
8,000
6,000
4,000
2,000
-
2,411
Billions of KHR
Loans and Non-Performing Loans (NPLs)
401
2010
2.43%
425
2011
10.0%
9.0%
8.0%
7.0%
6.0%
5.0%
4.0%
3.0%
2.0%
1.0%
0.0%
TOTAL CREDITS CLASSIFIED BY TYPE OF INDUSTRY
As at December 31, 2011
Table 14
(millions of KHR)
2011
2010
Growth Rate (%)
Share
Type of Industries
1 Retail Trade
2 Wholesale Trade
3 Other Non-Financial Services
Share
2011 over 2010
34.5%
3,187,382
18.0%
2,369,452
17.9%
2,545,005
14.4%
2,316,275
17.5%
9.9%
1,624,405
9.2%
1,309,328
9.9%
24.1%
4 Manufacturing
5 Agriculture, Forestry and Fishing
1,621,658
9.2%
1,149,889
8.7%
41.0%
1,569,397
8.9%
883,695
6.7%
77.6%
6 Construction
7 Hotels and Restaurants
1,316,915
7.4%
930,667
7.0%
41.5%
1,312,275
7.4%
1,287,877
9.7%
1.9%
8 Mortgages, Owner-Occupied Housing only
1,096,184
6.2%
476,143
3.6%
130.2%
27.8%
873,504
4.9%
683,655
5.2%
10 Real estate and Public utilities
11 Information Media and Telecom
564,804
3.2%
613,332
4.6%
-7.9%
527,975
3.0%
355,704
2.7%
48.4%
12 Financial Institutions
323,384
1.8%
177,214
1.3%
82.5%
13 Other
14 Rental and Operational Leasing Activities*
297,072
1.7%
165,468
1.3%
79.5%
293,376
1.7%
98,589
0.7%
197.6%
15 Transport and Storage
16 Utilities
271,896
1.5%
251,858
1.9%
8.0%
208,689
1.2%
72,878
0.6%
186.4%
32,626
0.2%
23,508
0.2%
38.8%
13,342
0.1%
55,404
0.4%
-75.9%
17,679,890
100.0%
13,220,939
100.0%
33.7%
9 Personal consumption
17 Credit Cards
18 Mining and Quarrying
Total
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
* Excluded Real Estate Leasing and Rentals
Other
1.7%
Financial Institutions
1.8%
Rental and Operational Leasing
Activities*
1.7%
Information Media and Telecom
3.0%
Real estate and Public utilities
3.2%
Transport and Storage
1.5%
Utilities
1.2%
Credit Cards
0.2%
Mining and Quarrying
0.1%
Retail Trade
18.0%
Personal consumption
4.9%
Wholesale Trade
14.4%
Mortgages, Owner-Occupied
Housing only
6.2%
Other Non-Financial
Services
9.2%
Construction
7.4%
Hotels and Restaurants
7.4%
Manufacturing
9.2%
Agriculture, Forestry and Fishing
8.9%
Total Credits classified by type of business
(billions of KHR)
20,000
Services
18,000
Whole sale and Retail
16,000
Manufacturing
Real estate and Public utilities
14,000
Construction
12,000
Agriculture
10,000
Import
8,000
28%
Personal
6,000 consumption
Other
4,000
2,000
2,438
2005
90%
80%
80%
17,680
57%
42%
13,221
9,833
6,260
25%
60%
34%
50%
40%
30%
10,540
20%
7%
3,472
70%
10%
0%
2006
2007
2008
Total credits
2009
Growth rate
-24-
2010
2011
TOTAL CREDITS CLASSIFIED BY TYPE OF BUSINESS
As at December 31, 2011
Table 15
(millions of KHR)
Total
Financial
Institutions
Agriculture,
Forestry and
Fishing
Mining and
Quarrying
Manufacturing
Utilities
Construction
Wholesale
Trade
Retail Trade
Hotels and
Restaurants
Transport
and
Storage
Information
media &
Telecom.
Rental and
Operational
Leasing
Activities
Real
Estate
Activities
Other NonFinancial
Services
Personal
Essentials
Other
Lending
77,000
Commercial banks
1 ACLEDA Bank
4,102,821
17,060
674,444
-
187,173
-
646,908
1,011,163
55,803
-
25,218
782,392
625,662
2 Canadia Bank Ltd.
3 Cambodian Public Bank Plc
3,081,029
14,835
265,811
5,234
230,397
23,028
204,556
384,989
610,103
450,668
30,506
140,026
141,421
58,623
71,565
449,268
-
2,484,017
7,465
51,845
1,794
272,186
13,699
307,668
188,229
611,485
393,623
108,853
27,847
89,743
105,344
104,925
194,984
4,326
4 ANZ Royal Cambodia
1,332,837
7,466
2,080
2,273
171,848
1,255
30,393
542,317
40,347
17,714
43,296
204,856
571
31,314
16,670
220,435
5 BIDC
1,156,250
-
133,702
2,198
216,829
31,326
123,557
99,396
210,138
3,882
29,114
50,917
-
56,178
-
73,472
-
-
-
6 Foreign Trade Bank of Cambodia
696,471
84,323
115,803
-
32,867
24,254
25,282
18,926
58,274
-
-
-
-
7 May Bank
682,814
16,821
35,579
-
118,633
16,487
52,535
84,657
42,057
4,958
7,145
1,586
-
121,519
8 Union Commercial Bank Plc.
589,874
24,839
15,853
-
88,416
28,006
159,919
79,325
65,408
31,145
494
10,708
6,152
37,911
9 Advanced Bank of Asia Ltd.
379,903
-
9,617
1,273
25,633
1,146
18,988
17,525
76,926
34,752
2,069
14,220
1,218
4,058
10 First Commercial Bank
379,811
-
5,534
-
54,683
-
29,952
119,601
18,239
25,587
2,690
1,423
-
15,301
87,724
11 Vattanac Bank
343,242
-
13,735
-
43,348
-
55,315
58,691
51,787
54,774
20,614
-
1,865
13,892
12 OSK Indochina Bank
13 Saigon Thuong Tin (Cambodia) Plc
233,588
851
3,363
-
37,244
173
9,151
8,264
52,359
64,164
3,813
3,287
22,593
-
229,563
-
-
-
40,779
406
19,003
51,682
53,145
6,934
6,494
122
-
-
-
125,540
322,989
13,753
13,260
166,951
626
-
13,738
22,780
5,180
93,506
78,974
-
4,040
15,037
24,771
4,275
174
3,788
24,538
-
-
3,732
47,266
14 Maruhan Japan Bank Plc.
198,663
65,582
26,558
-
7,175
4,018
21,260
40,401
298
30,523
1,514
-
632
-
-
15 Phnom Penh Commercial Bank
175,905
6,060
1,686
-
18,866
543
25,268
23,026
36,792
27,486
3,439
-
14,395
9,543
3,880
4,879
16 CIMB Bank Plc.
171,925
3,881
-
-
5,657
-
14,344
22,227
18,175
13,959
3,351
23,603
-
36,411
10,259
20,059
-
703
41
17 Shinhan Khmer Bank
153,058
-
11,968
29,665
11,307
7,126
32,369
5,034
805
-
-
17,630
1,988
18 Cambodia Asia Bank Ltd.
142,366
-
-
-
-
-
131,875
-
-
-
-
-
-
-
-
10,490
-
19 Singapore Banking Corporation Ltd.
138,281
1,794
224
-
8,012
3,896
10,501
2,855
-
-
-
-
6,854
5,432
569
33,754
844
242
98,369
101
20 Cambodian Commercial Bank Ltd.
126,722
-
-
-
-
-
-
88,526
33,754
-
-
-
-
2,984
652
-
21 Krung Thai Bank Public Co. Ltd.
112,006
-
48,478
-
1,091
36,399
14,524
10,171
1,344
-
-
-
-
-
-
-
-
22 KOOKMIN Bank Cambodia Plc.
101,414
-
11,531
-
-
-
5,409
38,062
-
6,747
-
-
-
14,955
24,709
-
-
23 Cambodia Mekong Bank Ltd.
87,481
-
9,115
-
4,118
18,700
145
10,233
964
2,215
-
-
-
18,026
20,595
1,426
1,945
24 AGRI Bank Cambodia Branch
78,057
-
3,433
-
6,467
-
6,719
11,306
-
6,177
71
40,437
-
25 HwangDBS
75,667
2,423
562
-
495
146
1,631
6,965
8,188
5,658
503
967
26 Bank of India Phnom Penh Branch
27 Bank of China Phnom Penh Branch
56,743
39,973
4,050
-
5,604
121
2,816
2,290
-
-
-
24,626
-
-
-
5,447
-
-
14,954
-
-
-
28 Booyoung Khmer Bank
Sub total
17,335,136
293,374
1,444,971
108,205
13,342
1,616,723
807
204,448
1,301,283
2,491,694
3,161,212
1,302,992
271,858
-
-
10,429
3,555
-
-
-
-
-
-
520,802
289,020
551,847
3,435
12
19,573
14,492
-
1,887
-
4,225
-
-
79
1,619,688
1,954,809
297,072
Specialized banks
139,343
28,430
-
-
-
-
-
-
-
-
-
-
-
2,679
-
30 Angkor Capital Specialized Bank
29 Rural Development Bank
51,319
-
-
-
-
-
-
51,319
-
-
-
-
-
-
-
-
-
31 CAMKO Specialized Bank Ltd.
44,259
-
-
-
-
-
3,479
-
-
-
-
-
-
8,923
31,734
-
32 ANCO Specialized Bank
39,261
1,016
11,543
-
893
3,421
1,224
-
7,740
5,281
-
-
-
906
-
7,237
-
33 First Investment Specialized Bank
24,327
-
1,335
-
1,581
140
3,103
326
3,763
1,165
7,172
-
-
1,007
4,698
-
34 PHSME Specialized Bank Ltd.
24,102
442
1,327
-
2,151
651
5,671
-
6,687
37
-
87
3,128
3,545
376
-
22,143
344,754
17,679,890
122
30,010
323,384
2,017
124,426
1,569,397
311
4,935
1,621,658
4,241
208,689
2,156
15,632
1,316,915
7,980
26,171
3,187,382
2,800
9,284
1,312,275
-
4,269
4,356
293,376
12,957
564,804
41
4,717
1,624,405
782
47,505
2,002,314
35 Tomato Specialized Bank
Sub total
Total
100.0%
1.8%
8.9%
13,342
0.1%
9.2%
30
1.2%
7.4%
* Foreign branches
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
-25-
1,666
53,311
2,545,005
14.4%
18.0%
7.4%
38
38
271,896
1.5%
7,172
527,975
3.0%
1.7%
3.2%
124
9.2%
11.3%
297,072
1.7%
LOANS AS PERCENTAGE OF DEPOSITS
As of December 31, 2011
Table 16
(millions of KHR)
2011
Deposits1
Commercial Banks
1 Acleda Bank Plc.
2 Canadia Bank Plc.
3 Cambodian Public Bank Plc
4 ANZ Royal Bank (Cambodia) Ltd.
5 Foreign Trade Bank of Cambodia
6 Union Commercial Bank Plc.
7 Advanced Bank of Asia Ltd.
8 May Bank, Phnom Penh Branch*
9 Vattanac Bank Ltd.
10 Bank of China Phnom Penh Branch*
11 Bank for Investment & Development of Cambodia Plc.
12 Cambodian Commercial Bank Ltd.
13 First Commercial Bank, Phnom Penh Branch*
14 Maruhan Japan Bank Plc.
15 CIMB Bank
16 Singapore Banking Corporation
17 OSK Indochina Bank
18 Cambodia Asia Bank Ltd.
19 Agri Bank Cambodia Branch*
20 Shinhan Khmer Bank
21 Phnom Penh Commercial Bank
22 Cambodia Mekong Bank Public Ltd.
23 Kookmin Bank Cambodia Plc3
24 Krung Thai Bank Public Co. Ltd., P.P. Branch*
25 Saigon Thuong Tin (Cambodia) Plc
26 Hwang DBS Commercial Bank Plc
27 Booyoung Khmer Bank
28 Bank of India Phnom Penh Branch*
Sub-total
Loans2
Loans to deposits
ratio
Deposits1
Loans2
4,102,821
3,079,009
2,484,017
1,332,837
608,553
589,874
379,903
682,814
343,242
24,626
1,156,250
126,722
379,811
133,163
171,925
138,281
233,588
142,366
78,057
153,058
174,337
87,481
101,414
112,006
229,563
75,668
16,769
17,138,155
91%
77%
79%
58%
46%
76%
58%
113%
59%
4%
249%
38%
129%
63%
86%
71%
124%
126%
77%
167%
198%
116%
154%
175%
401%
607%
0%
496%
81.7%
3,606,757
3,101,796
3,231,618
2,059,786
1,076,071
631,136
477,593
788,443
660,287
394,786
291,111
163,477
164,965
12,214
167,513
95,594
76,788
14,882
93,519
44,254
64,928
37,238
50,408
63,744
12,935
634
4,137
17,386,611
3,047,511
2,140,373
2,326,613
1,193,835
527,311
361,091
302,097
367,835
230,171
606,506
142,633
303,650
56,971
107,766
113,346
99,437
56,030
125,767
96,667
78,885
66,230
101,887
281,742
26,457
1,668
5,757
12,768,235
84%
69%
72%
58%
49%
57%
63%
47%
35%
154%
49%
186%
35%
0%
64%
119%
129%
377%
134%
218%
121%
178%
202%
442%
205%
263%
139%
73.4%
5,343
1,918
446
168
8
7,883
130,811
24,102
51,319
44,259
22,143
24,327
39,261
336,222
2448%
1257%
11494%
26348%
289832%
4265.0%
5,122
409
25,742
61,238
85
18
92,613
110,127
23,084
67,028
85,515
21,828
20,790
37,173
365,544
2150%
5651%
260%
140%
25804%
116601%
0%
394.7%
20,973,851
17,474,377
83.3%
17,479,224
13,133,779
75.1%
* Foreign branches
Excluding deposits from Banks and Other Financial Institutions (OFIs), both local and abroad.
1
2
Gross Loans (excluding loans to government & banks)
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
Loans to Deposits Ratio
25,000
120%
95%
76%
10,287
9,922
5,687
3,927
10,467
2006
9,804
2005
6,336
-
3,579
2,347
5,000
100%
80%
20,974
60%
17,474
10,000
17,479
60%
13,842
15,000
75%
83%
64%
13,135
Billions of KHR
20,000
63%
Loans to
deposits ratio
4,492,049
3,974,422
3,136,978
2,306,093
1,315,089
778,639
659,691
606,716
580,336
549,437
464,539
337,670
294,051
211,313
200,333
193,807
188,624
112,929
101,788
91,853
87,836
75,379
65,734
64,030
57,310
12,466
3,477
3,383
20,965,968
Specialized Banks
29 Rural Development Bank
30 PHSME Specialized Bank
31 Angkor Capital Specialized Bank
32 CAMKO Specialized Bank Ltd.
33 Tomato Specialized Bank
34 First Investment Specialized Bank
35 Anco Specialized Bank
Sub-total
Total
2010
40%
20%
0%
2007
Deposits
2008
Loans
-26-
2009
2010
Loans to Deposits Ratio
2011
Number of ATM terminals, ATM Cards, Debit Cards, and Credit Cards
As of December 31, 2011
Table 17
ATM terminals
POS**
Debit Cards
Credit Cards
Commercial Banks
1 ACLEDA Bank Plc.
134
640
504,173
-
2 ANZ Royal Bank (Cambodia) Ltd.
127
671
92,011
3,941
3 Canadia Bank Ltd.
68
863
41,490
3,953
4 Singapore Banking Corporation
62
359
17,058
1,889
5 Cambodian Public Bank Plc
40
293
53,258
4,705
6 Advanced Bank of Asia Ltd.
32
115
12,132
214
7 Vattanac Bank
21
16
356
170
8 Foreign Trade Bank of Cambodia
15
12
5,013
906
9 Maybank Phnom Penh Branch*
12
-
4,301
-
10 Cambodia Mekong Bank Public Ltd.
12
478
-
1,197
11 OSK Indochina Bank Ltd
11
-
10,764
-
12 Union Commercial Bank Plc.
10
147
2,285
1,516
13 Phnom Penh Commercial Bank
10
-
9,241
-
14 CIMB Bank Plc.
10
-
1,575
-
15 Bank for Investment and Development of Cambodia
5
200
-
2,862
16 Shinhan Khmer Bank
4
-
-
-
17 Saigon Thuong Tin (Cambodia) Plc
4
-
-
-
18 HwangDBS Commercial Bank Plc.
4
-
1,385
-
19 Cambodia Asia Bank Ltd.
3
-
-
-
20 Maruhan Japan Bank Plc
2
-
2,353
-
21 KOOKMIN BANK CAMBODIA PLC
2
-
4,481
-
22 Cambodian Commercial Bank Ltd.
-
-
-
-
23 Krung Thai Bank Pulic Co.Ltd. P.Penh Branch*
-
-
-
-
24 First Commercial Bank Phnom Penh Branch*
-
-
-
-
25 Booyoung Khmer Bank
-
-
-
-
26 Bank of India Phnom Penh Branch
-
-
-
-
27 Vietnam Bank for Agriculture and Rural Development*
-
-
-
-
28 Bank of China Phnom Penh Branch
-
-
-
-
Sub-total
588
3,794
761,876
21,353
Specialized Banks
29 Anco Specialized Bank
-
-
-
-
30 Angkor Capital Specialized Bank
-
-
-
-
31 Camko Specialized Bank
-
-
-
-
32 First Inverstment Specialized Bank
-
-
-
-
33 PHSME Specialized Bank Ltd.
-
-
-
-
34 Rural Development Bank
-
-
-
-
-
-
-
-
-
-
-
-
35 Tomato Specialized Bank
Sub-total
Total
588
* Foreign branches
** Point of Sale terminal
Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*
-27-
3,794
761,876
21,353
Number of Offices of Micro Finance Institutions
As of December 31, 2011
Table 18
Head Office
Branch Office
Total
Phnom Penh
Provincial
Branch
Province
District
Branch
Microfinance Deposit Taking Institutions (MDIs)
1
2
3
4
5
6
7
Hattakaksekar
PRASAC
Angkor Microherhvatho Kampuchea
SATHAPANA
AMRET
Vision Fund Cambodia
KREDIT
Total MDIs
Microfinance Institutions (MFIs)
8 Thaneakea Phum Cambodia
9 SEILANITHIH
10 Chamroeun
11 SAMIC
12 Green Central Micro Finance
13 Cambodian Business Intergrate in Rural Development
14 Intean Poalroath Rongroeung
15 Entean Akpevath Pracheachun
16 Cam Capital
17 Camma Microfinance
18 MAXIMA
19 Malis Finance
20 Y C P Microfinance
21 Angkor ACE Star Credit
22 Khemarak Microfinance
23 First Finance
24 Samrithisak Microfinance
25 Prime MF Microfinance
26 Sonatra
27 Active People
28 Farmer Union Development Fund
29 AEON
30 Farmer Finance
Total MFIs
Total MDIs and MFIs
307
207
206
192
128
121
113
1,274
1
1
1
1
1
1
1
7
124
65
61
41
33
30
30
27
22
20
18
16
15
15
15
14
14
13
12
11
10
10
4
620
1,894
1
1
1
1
1
-28-
-
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
22
29
1
1
18
24
21
23
15
12
11
124
288
182
184
168
112
108
101
1,143
17
7
9
7
6
5
5
6
2
3
2
1
2
4
2
2
2
2
1
1
4
1
1
92
216
106
57
51
33
26
24
24
20
19
16
15
14
12
10
12
11
11
10
10
9
5
8
2
505
1,648
Number of staff
As of December 31, 2011
Table 19
2011
Microfinance Deposit Taking Institutions (MDIs)
1 AMRET
AMRET
2010
Change%10-11
1,693
1,297
2 PRASAC
PRASAC
1,501
1,440
4%
3 SATHAPANA
SATHAPANA
1,339
965
39%
4 HATTAKAKSEKAR
Hattakaksekar
1,096
776
41%
5 AMK
Angkor Microherhvatho Kampuchea
973
844
15%
6 KREDIT
CREDIT
717
586
22%
7 VFC
Vision Fund Cambodia
700
8,019
627
6,535
12%
23%
Total Staff of MDIs
Microfinance Institutions (MFIs)
31%
8 TPC
Thaneakea Phum Cambodia
545
457
19%
9 SEILANITHIH
SEILANITHIH
207
187
11%
10 CHAMROEUN
Chamroeun Microfinance Limited
163
-
11 SAMIC
SAMIC
146
141
4%
12 IPR
Intean Poalroath Rongroeung
93
75
24%
13 CBIRD
Cambodian Business Intergrate in Rural Development
68
64
6%
14 GCMF
Green Central Micro Finance
67
42
60%
15 MAXIMA
MAXIMA
65
55
18%
16 CAM CAPITAL
Cam Capital
49
20
145%
17 MALIS
18 SAMRITHISAK
Malis Finance Ltd
44
Samrithisak Microfinance
40
19 SONATRA
Sonatra Microfinance Institution Plc
34
20 YCP
Y C P Microfinance
29
21 AEON
AEON Microfinance (Cambodia) Private Company Limited
27
-
-
22 PRIME
Prime MF Microfinance Institution LTD
26
-
-
23 KHEMARAK
Khemarak Limited
26
-
24 AASC
Angkor ACE Star Credit
24
17
25 EAP
26 CAMMA
Entean Akpevath Pracheachun
18
18
0%
Camma Microfinance
17
14
21%
27 FIRST FINANCE
First Finance
14
11
27%
28 FUDF
Farmer Union Development Fund
8
8
0%
29 FARMER FINANCE
Farmer Finance
8
7
14%
30 ACTIVE PEOPLE
Active People Ltd
7
1,725
1,180
9,744
7,715
46%
Total Staff of MFIs
Total
-
-
40
-
-
24
21%
41%
26%
Total Employee of Each MFIs in 2011
2,000
1,500
1,693
1,501
1,339
1,096
973
1,000
717 700
500
545
207 163 146
93 68 67 65 49 44 40 34 29 27 26 26 24 18 17 14
-
Total Employee of All MFIs
As at December 2011
12,000
10,000
50%
47%
40%
40%
8,000
6,000
22%
4,000
2,000
-
8 8
23%
26%
30%
20%
10%
3,511
5,148
6,330
7,715
9744
2007
2008
2009
2010
2011
Number of Staff
-29-
Change
0%
7
COMPARISION OF TOTAL ASSETS
As of December 31,2011
Table 20
(millions of KHR)
2011
Amount
Microfinance Deposit Taking Institutions (MDIs)
1 PRASAC
2010
Share
Amount
Growth Rate (%)
Share
2011/2010
629,015
20.79%
455,272
22.19%
38.16%
2 AMRET
482,109
15.94%
355,983
17.35%
35.43%
3 SATHAPANA
436,195
14.42%
270,497
13.19%
61.26%
4 Hattakaksekar
350,431
11.58%
193,084
9.41%
81.49%
5 Angkor Microherhvatho Kampuchea
276,335
9.13%
177,918
8.67%
55.32%
6 KREDIT
198,857
6.57%
147,233
7.18%
35.06%
7 Vision Fund Cambodia
178,689
5.91%
148,672
7.25%
20.19%
2,551,631
84.35%
1,748,659
85.24%
45.92%
185,573
6.13%
127,899
6.23%
45.09%
48,290
1.60%
22,185
1.08%
117.67%
Total MDIs
Microfinance Institutions (MFIs)
8 Thaneakea Phum Cambodia
9 Cam Capital
10 SEILANITHIH
35,391
1.17%
33,828
1.65%
4.62%
11 SAMIC
32,808
1.08%
26,383
1.29%
24.35%
12 Intean Poalroath Rongroeung
22,466
0.74%
22,493
1.10%
-0.12%
13 Green Central Micro Finance
20,640
0.68%
12,649
0.62%
63.18%
14 CHAMROEUN
17,607
0.58%
-
-
-
15 First Finance
15,336
0.51%
9,341
0.46%
64.18%
16 MALIS
12,448
0.41%
-
-
-
17 Entean Akpevath Pracheachun
11,356
0.38%
10,967
0.53%
3.54%
18 MAXIMA
11,179
0.37%
8,882
0.43%
25.86%
19 Samrithisak Microfinance
10,783
0.36%
5,711
0.28%
88.81%
20 KHEMARAK
9,895
0.33%
-
-
-
21 Farmer Union Development Fund
8,478
0.28%
8,657
0.42%
-2.06%
22 Cambodian Business Intergrate in Rural Development
8,111
0.27%
6,001
0.29%
35.16%
23 Angkor ACE Star Credit
4,816
0.16%
3,775
0.18%
27.58%
24 AEON
4,211
0.14%
-
-
-
25 SONATRA
3,897
0.13%
-
-
-
26 PRIME
3,631
0.12%
-
-
-
27 Camma Microfinance
2,591
0.09%
1,314
0.06%
97.16%
28 Farmer Finance
1,880
0.06%
1,345
0.07%
39.75%
29 Y C P Microfinance
1,245
0.04%
1,395
0.07%
-10.78%
30 Active People
819
0.03%
-
-
473,452
15.65%
302,825
14.76%
56.35%
3,025,083
100%
2,051,484
100%
47.46%
Total MFIs
Total
-
Growth of Total Assets
3,500,000
87%
Million of KHR
3,000,000
2,500,000
2,051,484
1,361,449
1,500,000
1,524,983
60%
47%
35%
726,358
500,000
2008
0%
2009
Total Asset
Asset Growth
-30-
40%
20%
12%
2007
100%
80%
73%
2,000,000
1,000,000
3,025,083
2010
2011
SHARE OF PAID-UP CAPITAL
As of December 31, 2011
Table 21
(millions of KHR)
Foreign share
Share(%)
Microfinance Deposit Taking Institutions (MDIs)
1 SATHAPANA
2 Vision Fund Cambodia
3 Angkor Microherhvatho Kampuchea
4 Hattakaksekar
5 KREDIT
6 PRASAC
7 AMRET
Total MDIs
Microfinance Institutions (MFIs)
8 Green Central Micro Finance
9 Intean Poalroath Rongroeung
10 Malis Finance
Cambodian share
Amount paid
Share(%)
90%
33,162
10%
100%
35,969
-
Amount paid
Total Paid-up
Capital
Market
Share
3,595
36,757
12.6%
-
35,969
12.3%
99%
34,069
1%
510
34,579
11.8%
76%
12,314
24%
3,991
16,305
5.6%
100%
15,473
-
-
15,473
5.3%
90%
13,863
10%
1,540
15,403
5.3%
98%
11,133
2%
246
11,379
3.9%
94%
155,982
6%
9,882
165,864
56.7%
100%
14,137
-
14,137
4.8%
34%
4,198
66%
8,277
12,475
4.3%
100%
12,117
-
-
12,117
4.1%
10,098
10,098
3.5%
11 Entean Akpevath Pracheachun
12 Samrithisak Microfinance
-
-
100%
10,098
10,098
3.5%
13 Khemarak Microfinance
-
-
100%
10,098
10,098
3.5%
14 First Finance
15 Thaneakea Phum Cambodia
85%
7,884
15%
1,363
9,247
3.2%
90%
5,547
10%
629
6,176
2.1%
17 Cam Capital
18 SAMIC
96%
5,816
4%
242
6,059
2.1%
48%
2,504
52%
2,747
5,251
1.8%
19 SEILANITHIH
20 Angkor ACE Star Credit
40%
1,616
60%
2,423
4,039
1.4%
100%
4,039
-
-
4,039
1.4%
6%
242
3,797
4,039
1.4%
100%
4,039
-
4,039
1.4%
3,231
3,231
1.1%
0.7%
-
20 Sonatra
21 AEON
22 MAXIMA
23 Prime MF Microfinance
-
-
24 Chamroeun
25 Camma Microfinance
-
100%
2,020
-
-
2,020
1,913
-
-
1,913
0.7%
-
100%
1,414
1,414
0.5%
-
100%
1,212
1,212
0.4%
85%
1,030
15%
182
1,212
0.4%
33%
400
67%
800
1,200
0.4%
-
-
100%
1,010
1,010
0.3%
-
100%
521
521
0.2%
-
800
0.3%
100%
323
323
0.1%
-
31 Farmer Finance
32 Y C P Microfinance
-
100%
-
29 Bayon Credit Limited
30 Cambodian Business Intergrate in Rural Development
94%
100%
-
26 BORRIBO Microfinance Institution PLC
27 Active People
28 Farmer Union Development Fund
100%
100%
800
-
-
-
Total MFIs
54%
68,302
46%
58,462
126,764
43%
Total
77%
224,284
23%
68,343
292,628
100%
Market Share of Paid-up Capital
12.6%
12.3%
11.8%
15.0%
5.6%
5.3%
5.3%
3.9%
4.8%
4.3%
4.1%
3.5%
3.5%
3.5%
3.2%
2.1%
2.1%
1.8%
1.4%
1.4%
1.4%
1.4%
1.1%
0.7%
0.7%
0.5%
0.4%
0.4%
0.4%
0.3%
0.2%
0.3%
0.1%
10.0%
5.0%
0.0%
FOREIGN AND CAMBODIAN SHARE OF PAID UP CAPITAL
100%
27%
26%
23%
23%
23%
73%
74%
77%
77%
77%
2007
2008
2009
2010
2011
0%
Foreign share %
Cambodian share %
-31-
COMPARATIVE STATEMENT OF CONDITION
As of December 31, 2011
(millions of KHR)
Table 22
Cash and Balance with
NBC and Other Banks
Loans and Advances to
Customers
Prepayment and short
term Receiable
Long Term Investment
Property and
Equipment
Other Assets
Total Assets
Microfinance Deposit Taking Institutions (MDIs)
1 PRASAC
9,870
609,367
2,362
114
2 AMRET
7,128
174
629,015
63,960
405,216
6,225
3 SATHAPANA
29,602
385,779
4,863
101
5,820
787
482,109
101
15,850
-
4 Hattakaksekar
34,173
305,598
436,195
1,510
87
8,478
585
5 Angkor Microherhvatho Kampuchea
74,054
350,431
193,313
2,660
101
6,208
-
6 KREDIT
276,335
12,280
182,234
1,732
225
2,043
344
198,857
21,315
245,254
154,027
2,235,533
1,308
20,659
61
789
1,979
47,506
1,890
178,689
2,551,631
46,571
136,037
1,347
61
1,533
25
185,573
1,253
45,338
341
1,166
192
48,290
10 SEILANITHIH
987
33,609
464
50
281
-
35,391
11 SAMIC
968
30,460
22
78
267
1,013
32,808
12 Intean Poalroath Rongroeung
2,698
18,768
435
565
-
13 Green Central Micro Finance
804
18,986
93
14 Chamroeun
3,933
13,087
378
15 First Finance
1,549
13,463
100
17 Malis Finance
1,215
10,017
-
18 Entean Akpevath Pracheachun
4,358
6,796
501
10,434
20 Samrithisak Microfinance
1,596
8,892
20 Khemrak
6,908
2,673
21 Farmer Union Development Fund
3,245
5,165
687
6,962
23 Angkor ACE Star Credit
1,365
24 AEON
25 Sonatra
7 Vision Fund Cambodia
Sub Total
Microfinance Institutions (MFIs)
8 Thaneakea Phum Cambodia
9 Cam Capital
-
20
-
22,466
736
209
1
20,640
-
17,607
5
217
2
15,336
724
493
12,448
13
40
139
10
11,356
59
67
103
16
11,179
-
279
16
10,783
-
260
0
9,895
-
68
34
-
347
3,105
163
-
183
-
4,816
3,620
132
145
-
315
-
4,211
2,051
1,658
1
-
187
-
26 PRIME
191
3,184
1
-
211
43
3,631
27 Camma Microfinance
215
2,321
1
-
38
17
2,591
28 Farmer Finance
239
1,304
8
305
20
1,880
29 Y C P Microfinance
616
577
1
76
85,645
697
373,665
1
3,658
325
29
8,213
17
1,947
819
473,452
330,899
2,609,198
24,317
1,114
55,719
3,837
3,025,083
19 MAXIMA
22 Cambodian Business Intergrate in Rural Development
30 Active People
Sub Total
TOTAL
-32-
-
54
-
4
-
51
-
8,478
81
8,111
3,897
-
1,245
PERCENTAGE DISTRIBUTION OF ASSETS OF INDIVIDUAL MFIs
As of December 31, 2011
Table 23
Cash and Balance with
NBC and Other Banks
Loans and Advances to
Customers
Prepayment and short
term Receivable
Long Term Investment
Property and
Equipment
Other Assets
Total Assets
Microfinance Deposit Taking Institutions (MDIs)
1 PRASAC
1.57
96.88
0.38
0.02
1.13
0.03
100
13.27
84.05
1.29
0.02
1.21
0.16
100
3 SATHAPANA
6.79
88.44
1.11
0.02
3.63
4 Hattakaksekar
9.75
87.21
0.43
0.02
2.42
26.80
69.96
0.96
0.04
2.25
6.18
91.64
0.87
0.11
1.03
11.93
86.20
0.73
0.03
1.11
-
100
9.61
87.61
0.81
0.03
1.86
0.07
100
0.03
0.83
0.01
100
2.42
0.40
100
2 AMRET
5 Angkor Microherhvatho Kampuchea
6 KREDIT
7 Vision Fund Cambodia
Sub Total
0.17
0.17
100
100
100
100
Microfinance Institutions (MFIs)
8 Thaneakea Phum Cambodia
25.10
73.31
0.73
9 Cam Capital
2.59
93.89
0.71
10 SEILANITHIH
2.79
94.96
1.31
0.14
0.79
11 SAMIC
2.95
92.84
0.07
0.24
0.82
12.01
83.54
1.94
12 Intean Poalroath Rongroeung
13 Green Central Micro Finance
3.90
91.98
0.45
14 Chamroeun
22.34
74.33
2.15
15 First Finance
10.10
87.78
0.65
16 Malis Finance
9.76
80.47
38.38
59.84
0.11
0.53
17 Entean Akpevath Pracheachun
18 MAXIMA
4.48
93.34
19 Samrithisak Microfinance
14.80
82.46
20 Khemrak
69.81
27.01
21 Farmer Union Development Fund
38.27
60.92
8.47
23 Angkor ACE Star Credit
24 AEON
-
-
0.10
0.03
2.52
3.56
1.19
3.09
0.01
-
100
100
100
100
100
1.41
0.01
100
5.81
3.96
100
0.36
1.22
0.09
100
0.60
-
0.92
0.14
100
-
2.59
0.15
100
-
2.63
0.00
100
-
-
0.81
-
100
85.84
0.41
-
4.28
1.00
100
28.33
64.47
3.39
-
3.80
-
100
85.95
3.14
3.43
-
7.48
-
100
25 Sonatra
52.62
42.55
0.03
-
4.80
-
100
26 PRIME
5.27
87.70
0.02
-
5.82
1.19
100
1.45
0.65
100
16.22
1.07
100
22 Cambodian Business Intergrate in Rural Development
27 Camma Microfinance
0.54
8.29
89.59
0.02
28 Farmer Finance
12.70
69.36
0.43
29 Y C P Microfinance
49.49
46.36
0.07
-
4.09
30 Active People
9.26
85.04
0.10
-
3.53
2.08
100
Sub Total
18.09
78.92
0.77
0.07
1.73
0.41
100
Total
10.94
86.25
0.80
0.04
1.84
0.13
100
-33-
0.21
-
100
COMPARATIVE STATEMENT OF CONDITION
As of December 31, 2011
Table 24
(millions of KHR)
Customer's deposit
Compulsory
Saving
Voluntary
Saving
Shareholder's Equity
Interest
Payable
Accountpayable
and Others
Liabilities
Accrued
Expenses
and
Provision
Loans
Payable
Deferred
Revenue
Suspense
Clearing and
interbranch
Account
Other
Liabilities
Paid up
Capital
Premium
on Share
Capital
Hybrid
Capital
Investment
5,536
45,658
4,040
Retained
Total Liabilities
Reserves and
and Current
and Equity
Appropriations
Profit/Loss
Microfinance Deposit Taking Institutions (MDIs)
1 PRASAC
-
24,118
323
2 AMRET
-
170,074
3,654
3 SATHAPANA
4 Hattakaksekar
9,349
6,897
19,957
14,031
434,868
175,690
-
(3)
(70)
-
632
156,453
990
8,024
4,611
184,984
-
7,764
55,954
307
4,829
8,061
192,362
378
2
21,544
349
2,111
4,534
188,512
-
5 Angkor Microherhvatho Kampuchea
248
275
21
27
-
15,403
11,379
8,925
7,234
70,169
83,377
629,015
482,116
436,195
36,757
707
9,343
-
33,673
-
16,305
22,278
11,024
1,097
30,046
350,431
3,054
34,579
96
-
3,304
18,251
276,335
6 KREDIT
-
13,871
359
480
7,734
135,794
262
628
178
15,473
-
9,314
941
13,817
198,851
7 Vision Fund Cambodia
-
2,980
61
8,397
444,993
6,043
4,939
36,630
2,977
61,904
117,999
1,430,209
640
173
755
3,776
35,969
165,864
28,616
79,378
21,501
13,593
262,926
178,689
2,551,632
8 Thaneakea Phum Cambodia
156
136
-
306
4,683
147,713
-
-
6,176
-
-
1,956
24,434
185,573
9 Cam Capital
-
-
-
-
288
38,479
-
150
205
6,059
-
-
2,827
282
48,290
10 SEILANITHIH
1 645
1,645
-
-
1,361
1,286
22,589
138
-
172
4,039
-
1,881
63
2,216
35,391
71
32,808
Sub Total
Microfinance Institutions (MFIs)
11 SAMIC
12
-
-
468
1,217
20,759
-
348
1,529
5,251
-
-
518
2,647
12 Intean Poalroath Rongroeung
-
-
-
1,438
77
3,837
-
-
-
12,475
-
-
-
4,638
22,466
13 Green Central Micro Finance
-
-
-
2
9
5,655
-
-
-
14,137
-
-
-
837
20,640
1,145
17,607
14 Chamroeun
1,685
15 Farmer Finance
16 First Finance
6
-
1,839
140
-
-
-
-
1,909
-
8,977
-
-
-
1,913
-
-
-
-
-
1,090
-
-
-
800
-
-
-
(16)
1,880
94
5,314
-
-
9,247
-
-
-
654
15,336
-
(696)
12,448
16
17 Malis Finance
-
-
-
2
11
1,010
-
18 Entean Akpevath Pracheachun
-
-
-
16
132
-
-
19 MAXIMA
-
-
-
150
35
7,003
-
20 Samrithisak Microfinance
-
-
-
1
122
-
21 Khemarak Microfinance
-
-
-
8
1
22 Farmer Union Development Fund
-
-
-
-
23 Cambodian Business Intergrate in Rural Development
544
-
-
24 Angkor ACE Star Credit
-
-
12
4
12,117
-
-
-
6
10,098
-
-
-
-
282
3,231
-
-
-
-
1
10,098
-
-
-
-
-
10,098
207
4,443
-
-
-
1,200
-
129
5,952
-
-
521
-
157
-
727
-
-
4,039
25 AEON
-
-
-
531
26 Sonatra
-
-
-
-
27 Prime MF Microfinance
-
-
-
-
28 Camma Microfinance
-
-
-
29 Y C P Microfinance
-
-
-
-
-
-
-
-
-
-
3
1,810
-
-
17
1,212
-
1,212
-
-
15
8
-
25
26
-
1,094
11,356
143
335
11,179
-
-
562
10,783
-
-
-
(211)
9,895
-
-
-
29
-
202
-
2,628
13
8,478
712
8,111
-
(107)
4,816
-
4,039
-
-
-
(393)
4,211
-
4,039
-
-
-
(142)
3,897
-
2,020
-
-
-
(202)
3,631
-
1,414
-
-
-
(92)
2,591
-
323
-
-
-
(290)
1,245
-
30 Active People
-
-
7
111
745
-
-
2
1,212
-
-
(1,257)
Sub Total
4,107
1,975
140
6,387
8,434
278,528
150
568
2,212
124,542
29
2,083
5,519
38,778
473,451
12,504
446,968
6,183
43,016
70,338
1,708,737
790
1,323
5,989
290,406
28,645
81,461
27,020
301,704
3,025,083
TOTAL
-
9
11
-34-
819
PERCENTAGE DISTRIBUTION OF LIABILITIES AND EQUITY OF INDIVIDUAL MFIs
As of December 31, 2011
Table 25
Customer's deposit
Compulsory
Saving
Voluntary
Saving
Shareholder's Equity
Interest
Payable
Accountpayable
and Others
Liabilities
Accrued
Expenses
and
Provision
Loans
Payable
Deferred
Revenue
Suspense
Clearing and
interbranch
Account
Other
Liabilities
Paid up
Capital
Premium
on Share
Capital
Hybrid
Capital
Investment
Retained
Reserves and
and Current
Appropriations
Profit/Loss
TOTAL
Liabilities and
Equity
Microfinance Deposit Taking Institutions (MDIs)
1 PRASAC
-
3.83
0.05
1.49
3.17
69.13
-
(0.00)
0.04
2.45
7.26
1.42
11.16
100
2 AMRET
-
35.28
0.76
1.43
2.91
36.44
-
(0.01)
0.06
2.36
1.15
0.84
1.50
17.29
100
-
-
0.00
8.43
0.16
2.14
4.65
6.36
3.15
0.03
3 SATHAPANA
0.14
35.87
0.23
1.84
1.06
42.41
4 Hattakaksekar
2.22
15.97
0.09
1.38
2.30
54.89
5 Angkor Microherhvatho Kampuchea
0.00
7.80
0.13
0.76
1.64
68.22
1.11
12.51
6.98
0.18
0.24
3.89
68.29
0.13
0.32
0.09
7.78
2.76
1.44
1.67
2.43
66.04
56.05
0.03
0.10
0.03
0.15
20.13
6.50
0.16
2.52
79.60
0.01
0.60
79.68
6 KREDIT
7 Vision Fund Cambodia
Sub Total
-
1.67
0.03
0.33
-
17.44
0.24
0.08
0.07
0.11
-
0.01
-
-
-
1.12
-
0.31
7.72
100
8.57
100
1.20
6.60
100
4.68
0.47
6.95
100
3.11
0.84
7.61
10.30
100
100
Microfinance Institutions (MFIs)
8 Thaneakea Phum Cambodia
9 Cam Capital
-
-
-
-
-
10 SEILANITHIH
4 65
4.65
-
-
3 85
3.85
3 63
3.63
63 83
63.83
11 SAMIC
0.22
-
-
1.43
3.71
63.27
0 39
0.39
-
0.31
1.06
3.33
-
-
1.05
13.17
100
0.42
-
12.55
-
-
5.85
0.58
100
0 49
0.49
11 41
11.41
-
0 18
0.18
6 26
6.26
100
4.66
16.00
-
1.58
8.07
100
5 31
5.31
-
12 Intean Poalroath Rongroeung
-
-
-
6.40
0.34
17.08
-
-
-
55.53
-
-
-
20.65
100
13 Green Central Micro Finance
-
-
-
0.01
0.04
27.40
-
-
-
68.49
-
-
-
4.06
100
14 Chamroeun
9.57
10.44
15 Farmer Finance
0.32
-
0.80
-
10.84
-
50.99
-
-
-
10.86
-
-
-
6.50
100
-
-
57.99
-
-
-
42.56
-
-
-
(0.87)
100
16 First Finance
-
-
-
0.11
0.61
34.65
-
-
0.08
60.29
-
-
-
4.26
100
17 Malis Finance
-
-
-
0.02
0.09
8.11
-
-
0.03
97.34
-
-
-
(5.59)
100
18 Entean Akpevath Pracheachun
-
-
-
0.14
1.16
-
-
19 MAXIMA
-
-
-
1.35
0.32
62.64
-
0.09
0.06
88.92
-
-
-
2.52
28.90
-
-
0.01
20 Samrithisak Microfinance
-
-
-
0.01
1.13
-
-
-
21 Khemarak Microfinance
-
-
-
0.08
0.01
-
-
-
-
-
-
-
2.45
52.40
-
-
-
-
1.59
73.39
-
-
-
3.27
15.10
-
22 Farmer Union Development Fund
23 Cambodian Business Intergrate in Rural Development
6.71
24 Angkor ACE Star Credit
-
25 AEON
-
-
-
12.60
26 Sonatra
-
-
-
-
27 Prime MF Microfinance
-
-
-
28 Camma Microfinance
-
-
-
29 Y C P Microfinance
-
-
-
30 Active People
-
-
-
0.59
-
0.22
-
-
-
-
0.09
49.84
-
0.64
46.77
-
-
97.36
-
-
0.10
0.60
1.28
100
100
93.64
-
-
-
5.21
100
-
102.04
-
-
-
(2.13)
100
-
31.00
100
-
14.15
-
6.42
-
83.86
0.35
-
2.49
-
0.16
-
8.78
100
(2.23)
100
-
95.91
-
-
-
(9.33)
100
-
-
103.63
-
-
-
(3.63)
100
-
-
55.62
-
-
-
(5.55)
100
-
54.57
-
-
-
(3.55)
100
-
25.96
-
-
-
(23.32)
100
(153.50)
8.19
100
100
0.98
-
Sub Total
0.87
0.42
0.03
0.84
1.35
13.61
1.78
90.94
58.83
0.03
0.12
0.20
0.47
147.92
26.31
0.01
0.44
1.17
Total
0.41
14.78
0.20
1.42
2.33
56.49
0.03
0.04
0.20
9.60
0.95
2.69
0.89
-35-
9.63
2.99
9.97
100
PROFIT AND LOSS STATEMENT
For Year Ended December 31, 2011
Table 26
(millions of KHR)
Interest
income
Interest
Expenses
Net Interest
Income
Non-interest
income
Foreign
Exchage
Gain
1
2
3=1-2
4
5
Other Operation
Income
income
6
7=3+4+5+6
Program
Expense
General
adminitrative
Expensen
Taxes
Others
Charge
Loan and
Interest
loss
Provision
(Net)
8
9
10
11
12
Profit from operation
Grant
Income
13=7-8-9-10-11-12
14
Extraordinary
Item
15
Profit before
Taxes
Tax on profit
Net Profit &Loss
for 12 months
16=13+14+15
17
18=16-17
Microfinance Deposit Taking Institutions (MDIs)
1 PRASAC
129,441
31,238
98,203
(820)
558
99
98,040
-
51,533
38
-
43,491
288
278
44,057
8,955
2 AMRET
106,448
23,136
83,312
652
338
1,666
85,968
-
55,763
72
203
(65)
29,995
496
-
30,491
6,212
24,278
69,007
22,412
46,595
5,186
(60)
248
51,969
-
34,799
202
221
(314)
17,062
-
-
17,062
3,716
13,346
305
606
30,367
-
20,819
35
27
696
8,789
502
-
9,291
1,873
7,419
(42)
189
40,859
-
30,131
87
93
1,889
8,659
517
-
9,176
1,991
7,184
-
-
28,411
-
20,956
(360)
7,814
1,099
-
8,913
1,793
7,120
-
-
4,285
1,243
3,041
123,275
25,784
97,491
-
7,421
1,529
5,892
-
3,010
626
2,385
3 SATHAPANA
2,978
35,102
4 Vision Fund Cambodia
40,540
10,525
30,015
5 Angkor Microherhvatho Kampuchea
56,730
17,111
39,619
1,093
6 KREDIT
40,745
12,380
28,365
46
7 Hattakaksekar
18,417
5,199
13,218
562
168
549
14,497
-
9,377
1
485
349
4,285
461,328
122,001
339,327
6,160
1,266
3,357
350,110
-
223,377
436
1,029
5,174
120,094
35,538
11,365
24,173
(580)
(70)
567
24,089
-
16,541
192
8,790
2,154
6,637
119
(5)
44
6,795
3,707
12
10 Intean Poalroath Rongroeung
4,886
328
4,558
4
(295)
327
4,595
-
2,637
-
241
1,692
-
-
1,692
378
1,313
11 Green Central Micro Finance
3,661
72
3,589
17
0
3,606
-
2,428
-
-
1
1,178
-
-
1,178
-
1,178
2
8,172
-
6,579
289
-
70
1,234
4,895
-
3,461
-
-
227
1,207
4,405
-
3,741
-
1,917
-
1,079
Sub Total
(559)
-
-
2,903
278
Microfinance Institutions (MFIs)
8 Thaneakea Phum Cambodia
9 SAMIC
12 SEILANITHIH
0
10,419
2,316
8,103
56
13 Cam Capital
6,117
2,026
4,092
803
-
14 Chamroeun
4,421
481
3,939
540
(75)
15 First Finance
1,884
219
1,665
250
(0)
11
-
17 Samrithisak Microfinance
1,537
-
1,537
50
18 Entean Akpevath Pracheachun
1,205
-
1,205
72
(5)
19 MAXIMA
2,421
406
2,015
16
3
2
-
0
64
1,587
-
987
1,272
-
698
21
2,055
-
1,546
63
-
25
309
(60)
7,417
(308)
3,010
77
3
58
9
4
-
3
99
-
1,237
305
933
-
1,207
276
931
2
662
-
761
152
609
136
615
-
-
615
19
596
478
-
4
594
-
-
594
116
-
(6)
580
-
-
580
130
450
-
7
444
-
-
444
110
335
21
216
20 CBIRD
2,132
455
1,677
(46)
(37)
1,656
-
1,312
-
85
216
-
20 Angkor ACE Star Credit
1,308
101
1,207
1
(1)
-
1,207
-
965
-
-
69
173
-
-
173
21 Farmer Union Development Fund
801
365
436
0
-
436
-
291
-
-
145
-
-
145
22 Camma Microfinance
386
59
326
14
(0)
-
340
13
-
-
13
-
13
23 Farmer Finance
239
84
155
10
2
-
167
(70)
-
-
(70)
-
(70)
24 Khemarak
245
245
55
-
-
25 SONATRA
253
7
245
18
-
-
26 Y C P Microfinance
199
81
118
5
-
27 PRIME
643
98
545
(20)
1
28 AEON
1
29 MALIS
1,248
30 Active People
Sub Total
Total
46
-
33
-
-
8
42
-
-
173
29
116
4
-
179
57
300
-
440
-
-
(141)
-
-
(141)
-
(141)
264
-
405
-
-
-
(142)
-
-
(142)
-
(142)
-
123
-
267
-
-
-
(145)
-
-
(145)
-
(0)
-
525
-
619
-
-
(140)
-
-
(140)
7
(147)
(0)
(0)
-
0
-
393
-
-
(393)
-
-
(393)
0
(393)
1,215
1
2
-
1,218
-
1,902
-
-
(684)
-
-
(684)
12
46
1
0
-
47
17
(1,257)
-
-
(1,257)
1
-
19
236
279
1,285
17
20
1
46
0
2
-
(145)
-
(696)
(1,257)
88,377
20,651
67,726
1,387
(468)
1,025
69,671
89
51,743
759
337
535
16,208
107
20
16,335
3,709
12,626
549,705
142,651
407,053
7,547
798
4,383
419,781
89
275,121
1,195
1,366
5,710
136,302
3,009
298
139,609
29,493
110,117
Note: All figures are unaudited and as reported by MFIs
-36-
Net Profit
For Year Ending December 31, 2011
Table 27
(millions of KHR)
2011
Net profit
As percentage
of Assets
Total Assets
As percentage of
Loans
Loans 1
Microfinance Deposit Taking Institutions (MDIs)
1 PRASAC
35,102
629,015
5.6%
610,857
5.7%
2 AMRET
24,278
482,109
5.0%
399,065
6.1%
3 SATHAPANA
13,346
436,195
3.1%
382,354
3.5%
4 Vision Fund Cambodia
7,419
178,689
4.2%
152,347
4.9%
5 Angkor Microherhvatho Kampuchea
7,184
276,335
2.6%
192,759
3.7%
6 KREDIT
7,120
198,857
3.6%
180,106
4.0%
3,041
97,491
350,431
2,551,631
0.9%
3.8%
304,198
2,221,686
1.0%
4.4%
8 Thaneakea Phum Cambodia
5,892
185,573
3.2%
133,914
4.4%
9 SAMIC
2,385
32,808
7.3%
30,403
7.8%
10 Intean Poalroath Rongroeung
1,313
22,466
5.8%
18,544
7.1%
11 Green Central Micro Finance
5.7%
18,807
6.3%
7 Hattakaksekar
Sub Total
Microfinance Institutions (MFIs)
1,178
20,640
12 SEILANITHIH
933
35,391
2.6%
33,400
2.8%
13 Cam Capital
931
48,290
1.9%
45,227
2.1%
14 Chamroeun
609
17,607
3.5%
12,980
4.7%
15 First Finance
596
15,336
3.9%
13,462
4.4%
16 Samrithisak Microfinance
478
10,783
4.4%
8,827
5.4%
17 Entean Akpevath Pracheachun
450
11,356
4.0%
6,810
6.6%
18 MAXIMA
3.0%
10,329
3.2%
335
11,179
19 CBIRD
216
8,111
2.7%
6,877
3.1%
20 Angkor ACE Star Credit
173
4,816
3.6%
3,112
5.6%
21 Farmer Union Development Fund
116
8,478
1.4%
4,629
2.5%
13
2,591
0.5%
2,307
0.6%
(70)
1,880
-3.7%
1,280
-5.5%
(141)
9,895
-1.4%
2,641
-5.3%
22 Camma Microfinance
23 Farmer Finance
24 Khemarak
25 SONATRA
(142)
3,897
-3.6%
1,636
-8.7%
26 Y C P Microfinance
(145)
1,245
-11.6%
568
-25.5%
27 PRIME
(147)
3,631
-4.0%
3,205
-4.6%
28 AEON
(393)
4,211
-9.3%
132
-298.1%
29 MALIS
(696)
12,448
-5.6%
9,900
-7.0%
(1,257)
12,626
819
473,452
-153.5%
2.7%
585
369,577
-214.9%
3.4%
3,025,083
3.6%
2,591,263
4.2%
30 Active People
Sub Total
Total
110,117
1-Loan and Advance to Customers
Note: All figures are unaudited and as reported by MFIs
NET PROFIT
(Million of KHR)
150,000
150%
110%
62%
-25%
67,650
42%
47,714
63,315
39,058
22,309
65%
13,519
50,000
75%
110,117
100%
100,000
63%
50%
0%
-50%
2005
2006
2007
2008
Net Profits
2009
Percentage change
-37-
2010
2011
COMPARISION OF TOTAL DEPOSITS
As of December 31,2011
Table 28
(millions of KHR)
2011
2010
Change
2011/2010
Share
Share
Microfinance Deposit Taking Institutions (MDIs)
1 AMRET
170,074
37.0%
61,559
37.5%
176.3%
2 SATHAPANA
157,084
34.2%
68,915
42.0%
127.9%
3 Hattakaksekar
63,718
13.9%
18,768
11.4%
239.5%
4 PRASAC
24,118
5.2%
750
0.5%
3115.7%
5 Angkor Microherhvatho Kampuchea
21,545
4.7%
7,821
4.8%
175.5%
6 KREDIT
13,871
3.0%
3,256
2.0%
326.0%
2,980
0.6%
1
0.0%
297854.0%
453,390
98.7%
161,070
98.2%
181.5%
7 Vision Fund Cambodia
Sub Total
Microfinance Institutions (MFIs)
8 Chamroeun
3,524
0.02
-
0.0%
-
9 SEILANITHIH
1,645
1.0%
1,888
0.4%
-12.9%
10 Cambodian Business Intergrate in Rural Development
544
0.3%
462
0.1%
17.9%
11 Thaneakea Phum Cambodia
292
0.2%
395
0.1%
-26.0%
71
0.0%
94
0.0%
-24.7%
6
0.0%
104
0.0%
-94.1%
12 SAMIC
13 Farmer Finance
14 Entean Akpevath Pracheachun
-
-
-
-
-
15 Green Central Micro Finance
-
-
-
-
-
16 Farmer Union Development Fund
-
-
-
-
-
17 MAXIMA
-
-
-
-
-
18 Intean Poalroath Rongroeung
-
-
-
-
-
19 First Finance
-
-
-
-
-
20 Y C P Microfinance
-
-
-
-
-
21 Cam Capital
-
-
-
-
-
22 Samrithisak Microfinance
-
-
-
-
-
23 Camma Microfinance
-
-
-
-
-
24 Angkor ACE Star Credit
-
-
-
-
-
25 PRIME
-
-
-
-
-
26 Khemarak
-
-
-
-
-
27 Sonatra
-
-
-
-
-
28 Malis Finance
-
-
-
-
-
29 Active People
-
-
-
-
-
30 AEON
Sub Total
TOTAL
-
-
-
-
6,083
1.32%
2,943
1.79%
107%
164,013
100%
180%
459,473
100%
Total Deposits and Deposit Growth
500,000
400,000
Million of KHR
459,473
275%
250%
300,000
180%
200,000
100,000
-
98%
104%
10,412
0%
21,211
2006
2007
22,082
4%
2008
-38-
300%
164,013
200%
150%
100%
43,764
50%
0%
2009
2010
2011
TOTAL DEPOSITS CLASSIFIED BY TYPE OF ACCOUNTS
As of December 31, 2011
Table 29
(millions of KHR)
2011
Voluntary Saving
Compusary
Saving
Saving
deposits
Demand
deposits
Term
deposits
Other
deposit
Interest
payable
TOTAL
DEPOSITS
Microfinance Deposit Taking Institutions (MDIs)
1 AMRET
-
23,384
-
146,689
-
3,654
173,728
2 SATHAPANA
632
30,265
-
126,187
-
990
158,075
7,764
10,055
45,898
-
307
64,025
-
5,574
-
18,544
-
323
24,441
3,287
1,930
16,327
-
349
21,894
14,231
3 Hattakaksekar
4 PRASAC
5 Angkor Microherhvatho Kampuchea
2
1
6 KREDIT
-
1,283
-
10,886
1,702
359
7 Vision Fund Cambodia
-
0.45
-
2,979
-
61
3,040
1,702
6,043
459,433
8,397
Sub Total
73,850
1,931
367,510
Microfinance Institutions (MFIs)
8 Chamroeun
1,685
-
-
-
1,839
140
3,664
9 SEILANITHIH
1,645
-
-
-
-
-
1,645
10 Cambodian Business Intergrate in Rural Development
544
-
-
-
-
-
544
11 Thaneakea Phum Cambodia
156
136
-
-
-
-
292
71
-
-
-
-
-
71
6
-
-
-
-
-
12 SAMIC
13 Farmer Finance
6
14 Entean Akpevath Pracheachun
15 Green Central Micro Finance
-
-
16 Farmer Union Development Fund
-
-
-
-
-
-
-
17 MAXIMA
-
-
-
-
-
-
-
18 Intean Poalroath Rongroeung
-
-
-
-
-
-
-
19 First Finance
-
-
-
-
-
-
-
20 Y C P Microfinance
-
-
-
-
-
-
-
21 Cam Capital
-
-
-
-
-
-
-
22 Samrithisak Microfinance
-
-
-
-
-
-
-
23 Camma Microfinance
-
-
-
-
-
-
-
24 Angkor ACE Star Credit
-
-
-
-
-
-
-
25 PRIME
-
-
-
-
-
-
-
26 Khemarak
-
-
-
-
-
-
-
27 Sonatra
-
-
-
-
-
-
-
28 Malis Finance
-
-
-
-
-
-
-
29 Active People
-
-
-
-
-
-
-
30 AEON
-
-
-
-
-
-
4,107
136
-
-
1,839
140
6,223
12,504
73,986
3,541
6,183
465,656
Sub Total
TOTAL
As Percentage of Total Deposits
2.7%
1,931
15.9%
0.4%
367,510
78.9%
0.8%
Note: All figures are unaudited and as reported by MFIs
Interest payable
1.3%
Other deposit
0.8%
Total Deposits
As at December 31, 2011
Compusary Saving
2.7%
Saving deposits
15.9%
Demand deposit
0.4%
Term deposits
78.9%
-39-
1.3%
-
100%
LOAN AND NON-PERFORMING LOANS ( NPLS)
As of December 31,2011
Table 30
(millions of KHR)
2010
2011
NPLs
NPLs Ratio
Loans
NPLs
Loans
NPLs Ratio
Microfinance Deposit Taking Institutions (MDIs)
1 PRASAC
854
610,857
0.14%
4,344
425,374
1.02%
2 AMRET
295
399,065
0.07%
1,715
270,119
0.63%
3 SATHAPANA
839
382,354
0.22%
2,187
234,140
0.93%
4 Hattakaksekar
220
304,198
0.07%
1,611
179,588
0.90%
5 Angkor Microherhvatho Kampuchea
187
192,759
0.10%
2,013
128,544
1.57%
6 KREDIT
602
180,106
0.33%
1,954
132,760
1.47%
121,659
1,492,184
0.50%
0.97%
7 Vision Fund Cambodia
221
152,347
0.14%
3,218
2,221,686
0.14%
612
14,436
8 Thaneakea Phum Cambodia
171
133,914
0.13%
1,770
90,230
1.96%
9 Cam Capital
473
45,227
1.05%
234
19,461
1.20%
Sub Total
Microfinance Institutions (MFIs)
10 SEILANITHIH
420
33,400
1.26%
809
31,178
2.59%
11 SAMIC
437
30,403
1.44%
1,004
24,547
4.09%
12 Green Central Micro Finance
1
18,807
0.00%
-
11,537
-
13 Intean Poalroath Rongroeung
174
18,544
0.94%
1,877
14,173
13.24%
14 First Finance
299
13,462
2.22%
-
8,305
-
6
12,980
0.05%
21
10,329
0.20%
19
8,306
0.23%
1
9,900
0.01%
-
-
-
15 Chamroeun
16 MAXIMA
17 Malis Finance
18 Samrithisak Microfinance
19 Cambodian Business Intergrate in Rural Development
20 Entean Akpevath Pracheachun
21 Farmer Union Development Fund
22 PRIME
23 Angkor ACE Star Credit
24 Khemarak
25 Camma Microfinance
8
8,827
0.09%
8
569
65
6,877
0.94%
101
5,199
1.94%
100
6,810
1.47%
92
7,760
1.19%
-
4,629
-
-
4,656
-
-
-
-
58
3,205
1.82%
119
3,112
3.83%
-
1,019
-
-
-
3,509
-
0
2,641
0.01%
-
154
2,307
6.68%
-
26 Sonatra
27 Farmer Finance
-
1,636
0.00%
26
1,280
2.04%
28 Active People
29 Y C P Microfinance
-
585
-
-
568
-
30 AEON
-
132
Sub Total
Total
1.41%
-
-
1,119
0.98%
-
-
-
-
1,089
-
-
-
-
11
-
2,535
369,577
0.69%
5,925
232,657
2.55%
5,753
2,591,263
0.22%
20,361
1,724,841
1.18%
Loans and Non-Performing Loans
3,000,000
3.00%
2.80%
2,591,263
2,000,000
2007
2008
NPLs
2009
2010
Loans
NPL Ratios
-40-
2.50%
2.00%
1.50%
1,724,841
1.00%
0.22%
5,753
20,361
1,244,597
34,847
0.19%
4,716
-
0.42%
1,130,216
1,000,000
500,000
1.18%
616,953
1,500,000
1,169
Million of KHR
2,500,000
2011
0.50%
0.00%
TOTAL LOANS CLASSIFIED BY TYPE OF BUSINESSES
As of December 31,2011
Table 31
(millions of KHR)
2011
2010
Share
Amount
Amount
Growth Rate (%)
Share
2011/2010
Type of Businesses
1
Agriculture
1,066,669
41.16%
730,543
42.35%
46.01%
2
Trade and Commerce
666,772
25.73%
497,057
28.82%
34.14%
3
Household
372,670
14.38%
185,834
10.77%
100.54%
268,684
10.37%
162,903
9.44%
64.93%
3.66%
21.15%
4
Services
5
Transprotation
76,469
2.95%
63,122
6
Contruction
73,463
2.84%
44,460
2.58%
65.23%
7
Others
66,537
2.57%
40,922
2.37%
62.59%
1,724,841
100%
50.23%
2,591,263
Total
100%
Note: All figures are unaudited and as reported by MFIs
Total Loans Classified by Type of Businesses
Others
Million of KHR
Household
Contruction
Transprotation
Services
Trade and Commerce
Agriculture
-
200,000
400,000
2011
600,000
800,000
2010
-41-
1,000,000
1,200,000
LOANS CLASSIFIED BY TYPE OF BUSINESSES
As of December 31, 2011
Table 32
(millions of KHR)
Agriculture
Microfinance Deposit Taking Institutions (MDIs)
1 PRASAC
Trade and
Commerce
Service
Transportation
Contruction
Household
Others
Total
202,163
193,270
57,645
44,547
4,776
108,456
-
610,857
2 AMRET
3 SATHAPANA
222,523
33,999
27,071
1,625
21,150
71,628
21,069
399,065
117,406
122,459
60,466
9,397
13,017
54,588
5,020
382,354
4 Hattakaksekar
5 Angkor Microherhvatho Kampuchea
100,473
96,932
26,658
9,223
25,485
43,658
1,769
304,198
129,844
31,329
11,241
368
976
17,309
1,692
192,759
54,300
46,539
29,403
-
-
36,176
13,688
180,106
104,416
21,317
7,911
3,626
-
-
15,078
152,347
931,124
545,845
220,396
68,786
65,403
331,815
58,316
2,221,686
69,072
35,627
11,434
548
1,194
12,590
3,449
133,914
19,407
11,984
1,761
-
-
15
233
33,400
11,391
9,926
3,207
2,536
1,824
450
1,070
30,403
3,601
26,907
13,140
127
1,453
-
-
45,227
-
6 KREDIT
7 Vision Fund Cambodia
Sub Total
Microfinance Institutions (MFIs)
8 Thaneakea Phum Cambodia
9 Cam Capital
10 SEILANITHIH
11 SAMIC
12 Green Central Micro Finance
13 Intean Poalroath Rongroeung
14 First Finance
15 Chamroeun
16 MAXIMA
17 Malis Finance
18 Samrithisak Microfinance
19 CBIRD
20 Entean Akpevath Pracheachun
-
-
18,544
18,046
498
-
-
605
8,202
9,460
56
272
199
13
1,029
3,511
844
104
466
701
154
-
-
-
-
-
13,462
-
13,462
2,507
1,341
2,617
-
1,953
1,111
10,329
4,629
-
-
-
-
-
3,836
1,913
828
12
802
-
39
89
163
56
605
18,807
6,810
4,629
9
6,877
57
8,827
7,889
208
-
-
3,112
-
-
-
21 Farmer Union Development Fund
22 PRIME
-
1,340
-
-
23 Angkor ACE Star Credit
24 Khemarak
25 Camma Microfinance
165
-
-
-
-
395
703
171
216
26 Sonatra
27 Farmer Finance
-
-
-
-
1,636
204
4,896
4,180
90
346
53
133
9,900
28 Active People
29 Y C P Microfinance
559
1,998
1,667
1,191
287
7,217
60
12,980
10
-
-
-
-
525
50
585
30 AEON
Sub Total
-
-
-
-
-
132
78
-
Total
As Percentage of Total Loans
985
494
95
70
93
-
1,050
287
528
3,205
950
13
51
2,641
14
825
-
-
568
568
735
2,307
90
-
59
-
28
1,636
1,280
-
132
135,545
120,927
48,287
7,683
8,060
40,855
8,221
369,577
1,066,669
666,772
268,684
76,469
73,463
372,670
66,537
2,591,263
41.16%
25.73%
10.37%
2.95%
2.84%
Note: All figures are unaudited and as reported by MFIs
Total Loans Classified by Type of Businesses
Others
3%
Contruction
3%
3,112
-
Household
14%
Transportation
3%
Agriculture
41%
Services
10%
Trade and Commerce
26%
-42-
14.38%
2.57%
100%
LOANS AS PERCENTAGE OF DEPOSIT
As of December 31, 2011
Table 33
(millions of KHR)
2011
Loans
Type of Businesses
Microfinance Deposit Taking Institutions (MDIs)
1 PRASAC
2 AMRET
3 SATHAPANA
4 Hattakaksekar
5 Angkor Microherhvatho Kampuchea
6 KREDIT
7 Vision Fund Cambodia
Sub Total
Microfinance Institutions (MFIs)
8 Thaneakea Phum Cambodia
2010
Loans to
Deposit Ratio
Deposits
Loans
Loans to
Deposit Ratio
Deposits
610,857
24,118
2533%
425,374
750
399,065
170,074
235%
270,119
61,560
439%
382,354
157,084
243%
234,140
68,915
340%
56752%
304,198
63,718
0%
179,588
18,768
0%
192,759
21,545
895%
128,544
7,821
1644%
180,106
13,871
1298%
132,760
3,256
4077%
152,347
5113%
121,659
0.44
0%
2,221,686
2,979.5
453,390
490%
1,492,184
161,070
926%
133,914
292
45789%
90,230
395
22844%
-
9 Cam Capital
10 SEILANITHIH
11 SAMIC
45,227
-
33,400
1,645
12 Green Central Micro Finance
13 Intean Poalroath Rongroeung
18,807
-
18,544
-
14 First Finance
15 Chamroeun
16 MAXIMA
13,462
-
12,980
10,329
3,524
-
-
17 Malis Finance
9,900
-
18 Samrithisak Microfinance
8,827
-
19 Cambodian Business Intergrate in Rural Development
6,877
544
20 Entean Akpevath Pracheachun
6,810
-
30,403
71
19,461
-
0%
31,178
1,888
1651%
42948%
24,547
94
26020%
-
11,537
-
-
0%
14,173
-
-
0%
8,305
-
-
368%
8,306
-
-
-
-
-
-
-
569
-
-
0%
-
5,199
462
-
7,760
-
-
0%
-
21 Farmer Union Development Fund
4,629
-
-
4,656
-
22 PRIME
3,205
-
-
-
-
23 Angkor ACE Star Credit
3,112
-
-
1,019
-
24 Khemarak
2,641
-
-
-
-
-
25 Camma Microfinance
2,307
-
-
3,509
-
-
26 Sonatra
1,636
-
-
-
27 Farmer Finance
1,280
-
-
6
0%
1,119
104
0%
-
0%
28 Active People
585
-
-
-
-
-
29 Y C P Microfinance
568
-
-
1,089
-
-
30 AEON
132
-
369,577
6,083
6076%
232,657
2,943
7904%
2,591,263
459,473
564%
1,724,841
164,014
1052%
Sub Total
Total
Loans and Deposits (million of KHR)
459,473
2011
2,591,263
164,014
2010
1,724,841
67,307
2009
1,244,597
20,791
2008
-
1,108,225
500,000
1,000,000
1,500,000
Deposits
2,000,000
Loans
-43-
2,500,000
3,000,000
Head Office Address of Microfinance Institutions
Year 2011
1 AMRET
# 35 BA, Street 169, Sangkat Veal Vong,
Khan 7 Makara, Phnom Penh
Tel: (855-23) 880 942
Fax: (855-23) 881 342
2 ANGKOR MIKROHERANHVATHO (KAMPUCHEA)
# 442, Street 193, Sangkat Toul Svay Prey 1,
Khan Chamkamon, Phnom Penh.
Tel: (855-23) 993 062
3 CAMBODIAN BUSINESS INTEGRATED IN RURAL DEVELOPMENT
#715, Group 6, Romchek 4 Village, Sangkat Rathanak
Battambang City, Battambang Province
Tel: (855-53) 953 044
4 SATHAPANA
# 831 C,Preah Monivong Blvd., Sangkat Phsar Deumtkov,
Khan Chamkamon, Phnom Penh
Tel: (855-23) 996 201
5 KREDIT
# 71, Street 163, Sangkat Toul Svay Prey 1,
Khan Chamkamon, Phnom Penh
Tel: (855-23) 217 942
Fax: (855-23) 638 0002
6 SAMIC
# 276, Street 156, Sangkat Teuk Laak II,
Khan Toul Kork, Phnom Penh.
Tel: (855-23) 998 226
Fax: (855-23) 998 226
7 ENTEAN AKPEVATH PRACHEACHUN
# 189 Eo-191 Eo, Stree Kampuchea Krom , Sangkat Mettapheap,
Khan 7 Makara, Phnom Penh
Tel: (855-23) 884 355
Fax: (855-23) 884 377
8 FARMER UNION DEVELOPMENT FUND
# 753, Preah Monivong Blvd, Sangkat Boeung Trabaek,
Khan Chamkamon, Phnom Penh
Tel: (855-23) 364 005
Fax: (855-23) 364 454
9 FARMER FINANCE
# 1071,National Road No. 2, Sangkat Chak Angre Leu,
Khan Mean Chey, Phnom Penh
Tel: (855-23) 636 3172
Fax: (855-23) 720 210
10 GREEN CENTRAL MICRO FINANCE
# 640 EF,Street 217, Village 6, Sangkat Phsar Doeum Thkov,
Khan Chamkamon, Phnom Penh
Tel: (855-23) 994 455
Fax: (855-23) 994 447
11 HATTHA KAKSEKAR
# 606, Street 271,Village 6, Sangkat Phsar Daeum Thkov,
Khan Chamkamon, Phnom Penh
Te l: (855-23) 994 304
Fax: (855-23) 996 306
-44-
12 INTEAN POALROATH RONG ROEURNG
# 108, St Confederation de la Russei Blvd, Sangkat Toek Laak 1,
Khan Tuol Kork, Phnom Penh
Tel : (855-23) 990 237
Fax: (855-23) 990 237
13 MAXIMA MIKROHERANHVATHO
# 39, Street 374, Sangkat Toul Svay Prey 1,
Khan Chamkamon, Phnom Penh
Tel: (855-23) 214 240
Fax: (855-23) 214 240
14 PRASAC MICROFINANCE INSTITUTION
# 25, Street 294 and 57, Sangkat Boeung Keng Kang I,
Khan Chamkamon, Phnom Penh
Tel: (855-23) 220 102
Fax: (855-23) 216 362
15 SEILANITHIH
# 35, Street 360, Sangkat Boeung Keng Kang 1,
Khan Chamkamon, Phnom Penh
Tel: (855-23) 367 089
Fax: (855-23) 990 225
16 THANEAKEA PHUM (CAMBODIA)
# 94, Street 360, Sangkat Boeung Keng Kang 3,
Khan Chamkamon, Phnom Penh
Tel: (855-23) 220 641
Fax: (855-23) 220 642
17 VISION FUND
# 20, Street 71, Sangkat Tonle Bassac,
Khan Chamkamon, Phnom Penh
Tel: (855-23) 216 052
Fax: (855-23) 216 220
18 FISRT FINANCE
A-15, A-17, Street 271, Sangkat Tumnub Tek,
Khan Chamkomorn, Phnom Penh.
Tel: (855-23) 997 937
Fax: (665-23) 997 937
19 Y-C-P Micro Finance
# 73, Street 118, Sangkat Teuk Laak 1,
Khan Toul Kok, Phnom Penh
Tel: (855-23) 882 777
Fax: (855-23) 885 877
20 Cam Capital
# 689 B, Kampucheakrom Blvd, Sangkat Teuk Laak 1
Khan Toul Kok, Phnom Penh
Tel: (855-23) 999 990
Fax: (855-23) 996 002
21 Samrithisak Microfinance
# BB 8 H5, Street 101, Sangkat Boeung Trabek
Khan Chamkarmon, Phnom Penh.
Tel: (855-23) 997 688
Fax: (855-23) 997 688
22 CAMMA Microfinance
# 49, Street 294, Sangkat Boeung Keng Kang 1,
Khan Chamkarmon, Phnom Penh.
Tel: (855-92) 361 995
-45-
23 Angkor ACE Star Credit
# 99, Street 274 ( Prah Sihanuouk Blvd.) Sangkat Chaktomouk,
Khan Chamkarmon, Phnom Penh.
Tel: (855-23) 224 224
Fax: (855-23) 224 704
24 KHEMARAK Microfinance
# 30 Eo, Street No 128, Sangkat Phsar Thmey 2,
Khan Daun Penh, Phnom Penh.
Tel: (855-23) 989 023
25 PRIME MF Microfinance
# 19 A, Street No 271, Sangkat Tomnub Teuk,
Khan Chamkarmon, Phnom Penh.
Tel: (855-23) 993 909
26 SONATRA
Building A137-139, Russian Blvd, Sangkat Toek Thlar
Khan Sien Sok, Phnom Penh.
Tel: (855-23) 888 898
27 MALIS FINANCE
# 119 B, Street No 271, Sangkat Phsar Deum Thkov,
Khan Chamkarmon, Phnom Penh.
Tel: (855-23) 999 661
Fax: (855-23) 999 663
28 ACTIVE PEOPLE
#149C, Street 143, Sangkat Boeung Keng Kang 3
Khan Chamkarmon, Phnom Penh.
Tel: (855-23) 224 156
Fax: (855-23) 224 165
29 CHAMROEUN
#42D, Street 320, Sangkat Boeung Keng Kang 3,
Khan Chamkarmon, Phnom Penh.
Tel: (855-23) 987 566
Fax: (855-23)
30 AEON
#320, Monivong Blvd, Sangkat Chaktomuk,
Khan Daun Penh, Phnom Penh
Tel: (855-23) 988 700
Fax: (855-23) 987 711
31 BAYON
#142Eo, Street 169, Sangkat Veal Vong
Khan 7 Makara, Phnom Penh
Tel: (855-23)
Fax: (855-23)
32 BORIBO
#63BEo, Street 386, Sangkat Boeung Keng Kang 3,
Khan Chamkarmon, Phnom Penh.
Tel: (855-23)
Fax: (855-23)
-46-
Appendix 2A
RIEL AND FOREIGN CURRENCY INTEREST RATE ON LOANS
(Rate per Annum)
(As of December 2011)
LOAN IN KHR
No.
NAME OF BANKS
Daily
1 month
LOAN IN USD
3 months
6 months
12 months
12.00%
12.00%
16.80%
Daily
OTHER FOREIGN CURRENCY
1 month
3 months
6 months
12 months
12.00%
12.00%
12.96%
24.68%
24.68%
24.68%
24.68%
1
ACLEDA Bank
2
Cambodian Public Bank Ltd.
3
Canadia Bank Ltd.
4
ANZ Royal Cambodia
5
Foreign Trade Bank of Cambodia
6
Bank for Investment & Development of Cambodia Plc.
10.00%
7
May Bank
11.00%
8
Vattanac Bank
9
Union Commercial Bank Plc.
24.00%
24.00%
24.00%
24.00%
18.00%
18.00%
18.00%
18.00%
18.00%
18.00%
18.00%
18.00%
18.00%
18.00%
18.00%
18.00%
9.02%
9.00%
10.80%
15.00%
15.00%
15.00%
10 Advanced Bank of Asia Ltd.
14.00%
15.00%
16.00%
18.00%
11 Cambodian Commercial Bank Ltd.
11.25%
11.25%
11.25%
11.25%
12 First Commercial Bank
12.00%
12.00%
12.00%
12.00%
13 Krung Thai Bank Public Co. Ltd.
13.00%
14 Cambodia Asia Bank Ltd.
18.00%
15 Cambodia Mekong Bank Ltd.
14.40%
16 Singapore Banking Corporation Ltd.
14.40%
14.40%
15.00%
15.00%
3 months
6 months
12 months
12.00%
12.00%
16.80%
11.25%
11.25%
11.25%
11.25%
10.00%
15.00%
13.00%
18 Maruhan Japan Bank Plc.
16.00%
19 Booyoung Khmer Bank
23.00%
14.40%
17 Bank of India Phnom Penh Branch
15.00%
20 Shinhan Khmer Bank
15.00%
15.00%
15.00%
21 KOOKMIN Bank Cambodia Plc.
14.00%
14.00%
14.00%
15.00%
14.00%
22 OSK Indochina Bank
14.00%
23 HwangDBS
12.00%
24 Phnom Penh Commercial Bank
19.00%
11.00%
11.00%
11.00%
11.00%
26 CIMB Bank Plc.
27 AGRI Bank Cambodia Branch
1 month
8.25%
8.50%
25 SACOMBANK
Daily
16.80%
16.80%
16.80%
16.80%
11.00%
11.00%
11.00%
11.00%
12.00%
12.00%
12.00%
12.00%
16.20%
16.20%
16.20%
28 Bank of China Phnom Penh Branch Ltd.
16.20%
12.00%
29 Camko Specialized Bank Limited
15.00%
30 Rural Development Bank
15.00%
12.00%
31 PHSME Specialized Bank Ltd.
18.00%
32 First Investment Specialized Bank
18.00%
33 ANCO Specialized Bank
14.99%
34 Tomato Specialized Bank
15.13%
35 Angkor Capital Specialized Bank
24.00%
24.00%
24.00%
24.00%
Wieghted Average Interest rate
22.09%
16.99%
16.99%
19.35%
18.57%
16.35%
16.38%
15.36%
11.25%
11.98%
11.98%
17.84%
Average Rate
17.45%
16.36%
16.36%
16.93%
15.22%
15.09%
15.15%
14.76%
11.25%
11.63%
11.63%
15.26%
-47-
Appendix 2B
RIEL AND FOREIGN CURRENCY INTEREST RATE ON DEPOSITS
(As of December 2011)
Deposit in Riel
Nº
BANKS' NAME
Saving
Fixed Deposits
1 month
Fixed Deposit
1 month
3 months
6 months
12months
2
Cambodian Public Bank Ltd.
0.50%
3
Canadia Bank Ltd.
2.00%
4
ANZ Royal Cambodia
0.50%
5
Foreign Trade Bank of Cambodia
1.50%
6
Bank for Investment & Development of Cambodia Plc.
2.00%
1.00%
2.50%
3.00%
4.00%
4.85%
7
May Bank
0.50%
1.50%
2.25%
3.25%
4.25%
8
Vattanac Bank
0.50%
1.50%
2.00%
3.00%
3.50%
9
Union Commercial Bank Plc.
1.00%
2.50%
3.50%
4.50%
5.50%
0.75%
2.50%
3.50%
4.50%
5.50%
1.00%
1.00%
1.00%
1.20%
1.40%
1.80%
0.75%
11 Cambodian Commercial Bank Ltd.
0.10%
6.50%
Saving
1.25%
3.55%
6.00%
12 months
ACLEDA Bank
3.25%
5.00%
6 months
Other Foreign Currency
1
10 Advanced Bank of Asia Ltd.
3.00%
3 months
(Rate per Annum)
Deposit in USD
0.50%
1.50%
2.50%
3.75%
4.25%
0.50%
0.50%
1.75%
2.50%
3.50%
4.25%
0.50%
5.00%
6.00%
7.00%
0.75%
2.00%
2.50%
3.50%
4.75%
3.50%
4.00%
5.50%
0.25%
1.05%
1.45%
2.75%
3.75%
4.50%
5.50%
6.50%
0.75%
1.00%
2.50%
3.50%
4.75%
4.60%
5.55%
6.50%
1.00%
0.10%
12 First Commercial Bank
0.40%
13 Krung Thai Bank Public Co. Ltd.
0.10%
0.50%
0.75%
1.00%
14 Cambodia Asia Bank Ltd.
2.00%
2.50%
3.50%
4.50%
5.50%
2.00%
2.25%
2.75%
3.25%
3.50%
2.50%
3.00%
4.00%
15 Cambodia Mekong Bank Ltd.
3.50%
16 Singapore Banking Corporation Ltd.
1.00%
0.50%
17 Bank of India Phnom Penh Branch
0.75%
1.00%
2.25%
3.00%
4.00%
18 Maruhan Japan Bank Plc.
3.00%
1.00%
2.00%
3.00%
4.50%
3.00%
1.00%
2.00%
3.00%
4.50%
19 Booyoung Khmer Bank
1.00%
3.00%
4.00%
5.00%
6.00%
0.50%
1.50%
2.50%
3.00%
3.50%
0.25%
1.25%
1.25%
3.20%
3.50%
3.10%
20 Shinhan Khmer Bank
21 KOOKMIN Bank Cambodia Plc.
0.70%
1.70%
2.50%
3.20%
3.60%
0.50%
1.20%
2.00%
2.70%
22 OSK Indochina Bank
1.50%
3.50%
4.00%
5.00%
6.00%
1.50%
2.25%
2.75%
3.50%
4.75%
1.00%
2.25%
2.75%
3.75%
4.25%
1.20%
2.50%
4.20%
5.20%
6.20%
0.50%
2.00%
3.00%
4.00%
5.00%
1.50%
2.25%
2.50%
3.50%
4.25%
23 HwangDBS
24 Phnom Penh Commercial Bank
25 SACOMBANK
1.00%
3.00%
4.00%
5.00%
6.00%
26 CIMB Bank Plc.
Saving
0.40%
Fixed Deposit
1 month
3 months
6 months 12 months
2.00%
2.50%
3.25%
3.75%
0.50%
0.65%
0.75%
0.95%
0.10%
1.00%
2.00%
27 AGRI Bank Cambodia Branch
1.25%
3.00%
4.00%
4.25%
5.00%
1.00%
1.50%
2.50%
3.00%
3.50%
28 Bank of China Phnom Penh Branch Ltd.
0.13%
0.13%
0.13%
0.13%
0.13%
0.50%
1.25%
2.25%
2.75%
3.25%
1.50%
3.50%
4.00%
5.00%
6.00%
1.00%
3.00%
3.50%
4.00%
5.00%
Weighted Average Interest Rate
1.18%
2.86%
4.33%
5.28%
6.16%
0.63%
1.65%
2.39%
3.43%
4.29%
0.48%
1.49%
1.83%
2.40%
2.80%
AVERAGE Interest Rate
1.30%
2.60%
3.45%
4.43%
5.33%
0.86%
1.79%
2.43%
3.27%
4.03%
0.70%
1.25%
1.38%
2.00%
2.35%
29 Camko Specialized Bank Limited
30 Rural Development Bank
31 PHSME Specialized Bank Ltd.
32 First Investment Specialized Bank
33 ANCO Specialized Bank
34 Tomato Specialized Bank
35 Angkor Capital Specialized Bank
-48-
THE BANKING SYSTEM IN CAMBODIA
As at December 31, 2011
NATIONAL BANK OF CAMBODIA
(CENTRAL BANK)
7 Specialized Banks
31 Commercial Banks
1 State owned
9 Foreign Branch Banks
1- First Commercial Bank
2- Krung Thai Bank
3- May Bank
4- Bank of India Phnom Penh
Branch
5- Vietnam Bank For Agriculture &
Rural Development Cambodia
Branch
6- Bank of China Phnom Penh
Branch
7- Mega International Commercial
Bank
8- ICBC Ltd.
9- MB Bank Plc
13 Locally incorporated
1- Foreign Trade Bank of Cambodia
2- Advanced Bank of Asia
3- Cambodia Asia Bank
4- Canadia Bank Plc.
5 - Cambodia Mekong Bank
6- Singapore Banking Corpor
7- Union Commercial Bank
8- Vattanac Bank
9- ACLEDA Bank Plc
10- Bank for Investment & Development
of Cambodia Plc.
11- Maruhan Japan Bank
12- Booyoung khmer Bank
13- Phnom Penh Commercial Bank
1- Rural Development Bank
6 Privately owned
1- PHSME Specialized Bank
2- First Investment Specialized
Bank
3- ANCO Specialized Bank
4- TOMATO Specialized Bank
5- Angkor Capital Specialized
Bank
6- Camko Specialized Bank
2 Representative Offices
9 Subsidiary Banks
1- Cambodian Commercial Bank
2- Cambodian Public Bank
3- ANZ Royal Bank Cambodia
4- Shinhan Khmer Bank
5- Kookmin Bank Cambodia Plc
6- OSK Indochina Bank
7- Hwang DBS Commercial Bank
8- CIMB Bank
9- Siagon Thoeung Tin Cambodia
Bank
1- Standard Chartered
2-Bank for Investment-Development
of Vietnam
-49-
Micro Finance Institutions
21 NBC Provincial Branches
32 Licensed
1- AMRET Co Ltd.
2- Hatthakaksekar
3- Thaneakea Phum Cambodia
4- Sathapana Limited.
5- Seilanithih
6- Angkor Microheranhvatho Kampuchea
7- Vision Fund (Cambodia) Ltd.
8- CREDIT Co. Ltd.
9- Prasac Micro Finance Institution
10. Farmer Union Dev.Fund
11. Cambodia Business Integrate in rural Development
12- Maxima Mikroheranhvatho
13- Intean Poalroath Rongroeurng
14- SAMIC Limited
15- Entean Akpevath Pracheachun
16- Farmer Finance Ltd.
17- Green Central Micrifinance
18 First Finance
19- YCP Microfinance
20- Cam Capital
21- Samrithisak Microfinance
22-Camma Microfinance
23-Angkor ACE Star Credit
24-Khemarak
25-Prime MF
26-Sonatra
27-Malis Finance
28-Chamroeun Microfinance
29- Active People’s Microfinance
30-Bayon Credit
31-AEON Microfinance (Cambodia) Private Company
32- BORRIBO
1- Krung Phnom Penh
2- Kampong Cham
3- Sihanouk Ville
4- Siemreap
5- Battambang
6- Bunteay Meanchey
7- Svay Rieng
8- Kandal
9- Kampot
10-Kampong Thom
11-Pursath
12-Kampong Speu
13-Koh kong
14-Ratanakiri
15-Prey Veng
16-TaKeo
17-Kampong Chnaing
18-Preah Vihear
19-Kratie
20-Stung Treng
21-Mondolkiri
Money Changer
Phnom Penh:
- License: 37
- Authorization: 40
- License: 2
- Authorisation:1548
Registered Non Government Organizations
December 2011
No.
Name of Institution
No.
Name of Institution
1
Cambodia Rural Economic Development Organization
16 Ta Ong Soybean Development Association
2
Social Development in Rural
17 Cambodia Mutual
3
Khmer Rural Development Association
18 Association of Samnang Rural Development
4
Lotheran World Service, Cambodia Program
19 Cambodia Economic Network
5
Cambodia Credit to Abolish Poverty Organization
20 Community Support Improve Development
6
Aid Farmers Association
21 Peace and Development Institute
7
Kratie Women Welfare Association
22 Chan Soksan Organization
8
New Economic Workers Organization
23 SABORAS Organization
9
Ministry of Rural Development Credit Scheme
24 Farmer Livehood Development Organization
10
Cambodian Community Savings Federation
25 Village Development Association
11
Association for Business Initiative
26 CKMFG (Cambodia)
12
Crop Supporting National Association
27 Lokrou Organization
13
Northwest Development Association
28 Khmer Farmers Association
14
Agriculture and Tourism Development Association
29
15
CICM Cambodia
-50-
Development of Agricultural System for Poor Families Organization in
Cambodia