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.
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Q2 2022 Unaudited |
2021 Audited | 2020 Audited | 2019 Audited | ||
|---|---|---|---|---|---|
| Assets | |||||
| Cash and placement with banks | 221,113,127 | 174,237,948 | 214,088,528 | 230,796,683 | |
| Loans to customers | 1,210,435,318 | 1,036,280,875 | 855,921,611 | 772,214,265 | |
| Loan Loss Reserve | (28,810,575) |
(21,329,159) | (16,644,746) | (7,678,823) | |
| Property, plant and equipment (net) | 10,868,938 | 10,982,158 | 8,488,950 | 8,002,205 | |
| Other Assets | 13,949,842 | 11,183,334 | 9,674,651 | 6,017,174 | |
| Total Assets | 1,427,556,650 |
1,211,355,156 | 1,071,528,994 | 1,009,351,504 | |
| Liabilities | |||||
| Deposits from customers | 735,621,285 | 581,937,121 | 536,019,918 | 457,661,470 | |
| Borrowings | 402,708,446 | 344,799,426 | 308,738,631 | 379,643,479 | |
| Other liabilities | 25,197,952 | 50,160,627 | 45,594,229 | 36,241,114 | |
| Total Liabilities | 1,163,527,683 | 976,897,174 | 890,352,778 | 873,546,063 | |
| Equities | |||||
| Share capital | 55,129,582 | 55,460,850 | 55,460,850 | 55,460,850 | |
| Reserves and others | 93,468,087 | 92,755,587 | 52,336,168 | 53,603,944 | |
| Retained Earnings | 115,431,298 | 86,241,545 | 73,379,198 | 26,740,647 | |
| Total Equity | 264,028,967 | 234,457,982 | 181,176,216 | 135,805,441 | |
| Total Liabilities and Equity | 1,427,556,650 | 1,211,355,156 | 1,071,528,994 | 1,009,351,504 | |
| - | - | - | |||
| Q2 2022 Unaudited | 2021 Audited | 2020 Audited | 2019 Audited | ||
|---|---|---|---|---|---|
| Interest Income | 97,778,803 | 175,545,340 | 163,261,822 | 116,360,582 | |
| Interest Expenses | (35,332,811) | (61,549,044) | (66,149,084) | (53,180,109) | |
| Net interest income | 62,445,992 | 113,996,296 | 97,112,738 | 63,180,473 | |
| Provision for bad and doubtful Financial Instruments |
(7,169,905) | (5,812,620) | (10,193,853) | (4,253,852) | |
| Net interest income after provision | 55,276,087 | 108,183,676 | 86,918,885 | 58,926,621 | |
| Net foreign exchange gain/(loss) | (283,205) | (1,073,414) | 1,245,199.00 | (1,064,576.00) | |
| Other income | 6,955,807 | 5,964,440 | 5,887,091 | 17,457,280 | |
| Personnel expenses | (17,870,086) |
(32,638,167) | (28,380,901) | (24,694,156) | |
| Depreciation and Amortization | (1,531,992) | (2,993,580) | (2,512,538) | (2,543,703) | |
| Other administrative expenses | (5,736,836) | (10,834,997) | (9,943,549) | (9,800,225) | |
| Profit from operations | 36,809,775 | 66,607,958 | 53,214,187 | 38,281,241 | |
| Income Tax expense | (7,469,216) | (13,326,192) | (7,821,377) | (4,261,123) | |
| Net Profit for the Period | 29,340,559 | 53,281,766 | 45,392,810 | 34,020,118 | |
LOLC (Cambodia) Plc. has been serving Cambodian public and society for over 28 years, and has been recognized by both local and international financial authorities. Our products and services are committed to improving the livelihood of Cambodian customers.
#666B, Street 271, Kbal Tumnub Muoy Village, Sangkat Boeng Tumpun 2, Khan Mean Chey, Phnom Penh, Cambodia.
 023 991 991  [email protected] |
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023 991 991
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