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Financial Statement

Financial Statement is an essential publication by the financial institution and LOLC prepares financial statement in accordance with Cambodian International Financial Reporting Standards (CIFRSs). For the purpose of transparency, financial position, performance and key financial ratios with the latest period as well as reports from previous years are published. The growth in loan portfolio, customer deposit and borrowing are indicators that LOLC (Cambodia) Plc. is a trusted financial institution to both customers and lenders.

2021-Q1 Audited 2020 Audited 2019 Audited 2018 Audited
Assets
Cash and placement with banks 177,769,265 214,088,528 230,796,683 118,141,614
Loans to customers 896,404,373 855,921,611 772,214,265 483,845,307
Loan Loss Reserve (19,401,994) (16,644,746) (7,678,823) (5,399,625)
Property, plant and equipment (net) 8,912,327 8,488,950 8,002,205 7,325,856
Other Assets 10,724,847 9,674,651 6,017,174 6,415,217
Total Assets 1,074,408,818 1,071,528,994 1,009,351,504 610,328,369
Liabilities
Deposits from customers 561,886,604 536,019,918 457,661,470 236,910,385
Borrowings 304,458,149 308,738,631 379,643,479 272,997,312
Other liabilities 15,212,807 45,594,229 36,241,114 19,250,058
Total Liabilities 881,557,560 890,352,778 873,546,063 529,157,755
Equities
Share capital 55,460,850 55,460,850 55,460,850 29,701,373
Reserves and others 52,376,436 52,336,168 53,603,944 34,951,409
Retained Earnings 85,013,972 73,379,198 26,740,647 16,517,832
Total Equity 192,851,258 181,176,216 135,805,441 81,170,614
Total Liabilities and Equity 1,074,408,818 1,071,528,994 1,009,351,504 610,328,369
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INCOME STATEMENT
2021-Q1 Audited 2020 Audited 2019 Audited 2018 Audited
Interest Income 42,289,983 163,261,822 116,360,582 77,838,135
Interest Expenses (15,322,256) (66,149,084) (53,180,109) (34,255,249)
Net interest income 26,967,727 97,112,738 63,180,473 43,582,886
Provision for bad and doubtful
Financial Instruments
(2,481,873) (10,193,853) (4,253,852) (3,314,339)
Net interest income after provision 24,485,854 86,918,885 58,926,621 40,268,547
Net foreign exchange gain/(loss) (189,773) 1,245,199 (1,064,576.00) 345,864
Other income 1,977,194 5,887,091 17,457,280 10,044,688
Personnel expenses (8,404,551) (28,380,901) (24,694,156) (18,797,377)
Depreciation and Amortization (650,912) (2,512,538) (2,543,703) (2,233,491)
Other administrative expenses (2,601,650) (9,943,549) (9,800,225) (8,861,142)
Profit from operations 14,616,162 53,214,187 38,281,241 20,767,089
Income Tax expense (2,941,120) (7,821,377) (4,261,123) (5,129,276)
Net Profit for the Period 11,675,042 45,392,810 34,020,118 15,637,813