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Second Quarterly Report in 2020

CONDENSED CONSOLIDATED INTERIM STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE SIX-MONTH PERIOD ENDED 30 JUNE 2020

  For the six-month period ended
30 Jun 2020
US$		 30 Jun 2019
(Not reviewed)
US$		 30 Jun 2020
KHR'000		 30 Jun 2019
(Not reviewed)
KHR'000
Interest income calculated using the effective interest method 252,582,424 237,776,247 1,031,294,037 968,224,878
Interest expense (75,463,981) (77,079,901) (308,119,434) (313,869,357)
Net interest income 177,118,443 160,696,346 723,174,603 654,355,521
Fee and commission income 22,589,577 24,354,559 92,233,243 99,171,764
Fee and commission expense (631,639) (436,753) (2,578,982) (1,778,458)
Net fee and commission income 21,957,938 23,917,806 89,654,261 97,393,306
Allowances for impairment losses on loans and advances, deposits and placements with other banks and other receivables (11,805,996) (9,701,408) (48,203,882) (39,504,133)
Allowance for impairment losses on off-balance sheet commitments 186,529 182,752 761,598 744,166
Net impairment losses (11,619,467) (9,518,656) (47,442,284) (38,759,967)
Net income after allowance for impairment 187,456,914 175,095,496 765,386,580 712,988,860
Other incomes 8,520,247 7,583,156 34,788,169 30,878,611
General and administrative expenses (114,659,297) (108,438,162) (468,153,910) (441,560,196)
Profit before income tax 81,317,864 74,240,490 332,020,839 302,307,275
Income tax expenses (17,573,035) (16,081,413) (71,750,702) (65,483,513)
Profit for the period 63,744,829 58,159,077 260,270,137 236,823,762
Other comprehensive income:        
Items that will not be reclassified to profit or loss:        
Remeasurement of employee benefit obligations (407,364) 281,332 (1,663,271) 1,144,468
Items that are or may be reclassified subsequently to profit or loss:        
Currency translation differences - - 2,809,483 3,481,703
Other comprehensive income for the period (407,364) 281,332 1,146,212 4,626,171
Total comprehensive income for the period 63,337,465 58,440,409 261,416,349 241,449,933
Profit for the period attributable to:        
Owners of the Bank 63,744,829 58,159,077 260,270,137 236,823,762
Non-controlling interests - - - -
  63,744,829 58,159,077 260,270,137 236,823,762
Total comprehensive income attributable to:        
Owners of the Bank 63,337,465 58,440,409 261,416,349 241,449,933
Non-controlling interests - - - -
  63,337,465 58,440,409 261,416,349 241,449,933
The earnings per share attributable to shareholders of Bank during the period are as follows:
Basic earnings per share 0.15 0.15 0.61 0.61
Diluted earnings per share 0.15 0.15 0.61 0.61

CONDENSED CONSOLIDATED INTERIM STATEMENT OF FINANCIAL POSITION
AS AT 30 JUNE 2020

  30 Jun 2020
US$		 31 Dec 2019
US$		 30 Jun 2020
KHR'000		 31 Dec 2019
KHR'000
ASSETS        
Cash on hand 497,026,094 421,527,238 2,034,327,803 1,717,723,495
Deposits and placements with other banks 757,790,677 587,730,531 3,101,637,241 2,395,001,914
Financial investments 472,889,565 527,474,976 1,935,536,990 2,149,460,527
Loans and advances, net 3,872,212,822 3,846,020,519 15,848,967,080 15,672,533,615
Other assets 19,614,558 17,529,833 80,282,386 71,434,070
Statutory deposits 356,971,851 587,336,099 1,461,085,786 2,393,394,603
Property and equipment 131,433,820 131,159,792 537,958,625 534,476,153
Intangible assets 14,583,657 8,998,993 59,690,908 36,670,896
Right-of-use assets 31,423,321 32,569,457 128,615,653 132,720,537
Deferred tax assets, net 14,962,002 14,814,354 61,239,474 60,368,494
TOTAL ASSETS 6,168,908,367 6,175,161,792 25,249,341,946 25,163,784,304
LIABILITIES AND EQUITY        
LIABILITIES        
Deposits and placements of other banks and financial institutions 370,601,406 285,175,145 1,516,871,555 1,162,088,716
Deposits from customers 4,005,128,994 4,082,722,853 16,392,992,972 16,637,095,626
Other liabilities 65,322,241 58,810,875 267,363,932 239,654,316
Borrowings 477,670,632 564,971,701 1,955,105,897 2,302,259,682
Subordinated debts 173,992,511 139,302,580 712,151,348 567,658,014
Current income tax liabilities 16,240,928 30,459,303 66,474,118 124,121,660
Lease liabilities 30,317,995 30,915,939 124,091,554 125,982,451
Employee benefits 18,261,613 18,341,796 74,744,782 74,742,819
TOTAL LIABILITIES 5,157,536,320 5,210,700,192 21,109,796,158 21,233,603,284
EQUITY        
Share capital 433,163,019 428,818,154 1,772,936,237 1,747,433,978
Share premiums 11,706,215 - 47,913,538 -
Reserves 503,165,348 414,748,726 2,079,040,512 1,708,085,266
Retained earnings 63,337,465 120,894,720 239,655,501 474,661,776
TOTAL EQUITY 1,011,372,047 964,461,600 4,139,545,788 3,930,181,020
TOTAL LIABILITIES AND EQUITY 6,168,908,367 6,175,161,792 25,249,341,946 25,163,784,304

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