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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.

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
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INCOME STATEMENT
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