www.kredit.com.kh
Balance Sheet (in US$)31-Oct-201730-Sep-201731-Dec-201631-Dec-201531-Dec-201431-Dec-2013
Gross Loan Outstanding 179,863,652  174,387,769 142,322,425 128,574,587 100,482,551 74,201,564
Total Assets 208,678,283  206,298,547 175,367,440 149,127,517 121,526,443 87,652,965
Total Liabilities 179,530,567  177,587,782 148,566,790 123,783,944 98,372,366 70,864,998
Total Equity 29,147,715  28,710,766 26,800,650 25,343,572 23,154,076 16,787,967
Profit & Loss Statement(in US$)31-Oct-201730-Sep-201731-Dec-201631-Dec-201531-Dec-201431-Dec-2013
Total Financial Income 28,657,858  25,560,312 34,927,765 30,745,213 24,609,885 16,923,612
Gain / (Loss) on Foreingn Exchange 68,598  26,3049        
Total Financial Cost 10,171,764  9,044,677 10,795,695 8,878,363 7,401,611 4,916,843
Gross Financial Margin 18,554,692  16,541,940 24,132,070 21,866,851 17,208,274 12,006,76
Provision for Loan Loss 997,309  910,723 1,382,678 622,423 146,182 132,530
Net Financial Margin 17,557,383  15,631,217 22,749,392 21,244,427 17,062,092 11,874,23
Total Operating Expense 14,088,099  12,543,546 19,614,762 17,757,987 13,323,828 8,846,123
Net Operating(Lost)/ Income before Tax 3,469,285  3,087,671 3,134,630 3,486,441 3,738,265 3,028,116
Income Tax Expense 678,509  712,159 838,683 783,994 824,664 646,920
Net Operating(Lost) / Income after Tax 2,790,776  2,375,511 2,295,947 2,702,447 2,913,601 2,381,196
Grant Income 258,953  237,268 260,135 237,263 372,724 244,699
Net(Lost)/ Income 3,049,729  2,612,779 2,556,082 2,939,710 3,286,324 2,625,895
Portfolio Report31-Oct-201730-Sep-201731-Dec-201631-Dec-201531-Dec-201431-Dec-2013
PAR 0+ 2.29% 2.59% 2.21%  1.03% 0.51% 0.50%
PAR 30+ 1.21%

1.20%

1.12% 0.61% 0.31% 0.38%
WRITE-OFF 0.25% 0.26% 0.42%  0.13% 0.07% 0.10%
Efficiency Ratios31-Oct-201730-Sep-201731-Dec-201631-Dec-201531-Dec-201431-Dec-2013
Number of Loans per Credit Officer 129 128 136 156 171 175
Loans Portfolio per Credit Officer 300,775  289,681 239,134 228,374 152,851 184,123
Yield on Portfolio 17.44%  15.82% 21.40%  23.78% 25.48% 25.35%
Operating Expense Ratio 8.75% 7.92% 11.37% 12.65% 13.65% 12.93%
Profitability Ratios31-Oct-201730-Sep-201731-Dec-201631-Dec-201531-Dec-201431-Dec-2013
ROA 1.59% 1.37% 1.58%  2.17% 2.79% 3.13%
ROE 11.59% 10.01% 11.08%  14.54% 14.59% 16.98%
ROCE 14.13% 12.49% 15.72%  16.00% 14.84% 13.70%
OSS 113% 114% 111%  115% 119% 123%
Indicators31-Oct-201730-Sep-201731-Dec-201631-Dec-201531-Dec-201431-Dec-2013
N. Of Borrowing Accounts 83,164  82,923 83,555       
% Of Woman Borrowers 0.88% 0.88% 88%       
N. Of Saving Accounts 63,682  63,711 60,186       
% Of Woman Savers 72% 72%  72%       
Values Of Saving Collected 93,718,483  92,088,297 68,799,547