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Table 7TotalLiabilitiesand EquityOwed toNBCOwed toBanksBorrowedFundsCOMPARATIVE STATEMENT OF CONDITIONAS AT DECEMBER 31, 2011DemanddepositsSavingdepositsCustomer's depositFixeddepositsAccruedinterestpayableOtherdepositsPaid upCapitalReservesShareholder's equitySubordinatedloans (afterNBC'sagreement)Generalprovisions &other(millions of KHR)Retained andCurrentProfit/LossCommercial Banks1 Acleda Bank Plc. 6,063,681 - 169,959 145,054 482,818 2,017,137 1,946,771 27,547 17,776 290,140 316,547 - 266,878 206,183 176,8732 Canadia Bank Plc. 5,279,836 - 405,036 - 233,685 1,336,694 2,343,246 51,139 9,658 201,237 444,290 - 28,596 - 226,2553 Cambodian Public Bank Plc 4,093,420 - 11,956 - 755,659 789,139 1,568,680 21,157 2,343 79,735 363,510 161,560 - - 339,6824 ANZ Royal Bank (Cambodia) Ltd. 2,840,347 - 50,476 - 948,425 923,735 431,112 2,821 - 148,286 286,769 - - - 48,7245 BIDC 1,820,359 - 1,019,875 - 129,125 11,387 287,840 11,989 24,199 33,171 282,730 - - 651 19,3936 Foreign Trade Bank of Cambodia 1,654,958 - 89,275 - 260,271 360,408 678,760 9,694 5,956 22,375 155,502 546 - 244 71,9287 May Bank, Phnom Penh Branch* 1,290,251 - 510,825 - 272,696 135,889 195,922 1,075 1,135 21,859 121,170 - - - 29,6818 Union Commercial Bank Plc. 1,025,197 - 48,868 - 135,947 213,732 405,333 21,470 2,157 22,702 151,463 - - 124 23,4019 Bank of China Phnom Penh Branch* 833,832 - 86,011 284 185,015 86,570 41,318 413 236,121 103,496 60,585 - 40,390 - (6,371)10 Advanced Bank of Asia Ltd. 817,998 - 15,087 - 20,145 375,141 255,721 5,866 2,818 5,506 145,404 - - - (7,690)11 Vattanac Bank Ltd. 763,629 - 440 - 149,756 117,380 308,540 3,704 956 8,171 151,463 - - - 23,22012 First Commercial Bank, P.P Branch* 578,187 - 139,756 - 42,400 151,596 90,297 8,764 993 4,315 113,092 - - - 26,97413 Maruhan Japan Bank Plc 501,262 - 17,153 - 6,373 125,170 77,969 1,799 1 3,417 298,886 - - - (29,507)14 Cambodian Commercial Bank Ltd. 474,833 - 81 - 67,581 245,079 23,524 41 1,445 6,669 100,975 - - - 29,43815 Phnom Penh Commercial Bank 413,934 - 158,311 - 3,564 31,259 50,726 827 1,459 3,083 157,521 - - - 7,18316 OSK Indochina Bank Ltd 413,896 - 71,680 - 53,047 23,165 110,317 1,719 377 4,894 161,560 - - - (12,862)17 CIMB 363,256 - 12,253253 - 45,696 18,995 135,072 570 - 16,647647 149,443443 - - - (15,421)18 Saigon Thuong Tin (Cambodia) Plc 353,082 - 120,154 - 7,848 27,316 21,978 168 - 11,523 153,482 - - - 10,61319 Agri Bank Cambodia Branch* 274,034 - - - 22,204 689 3,414 85 75,395 12,890 157,521 - - - 1,83520 Cambodia Asia Bank Ltd. 271,189 - - - 20,186 26,578 64,595 1,570 - 2,932 147,424 - - - 7,90621 Singapore Banking Corporation 256,538 - 20 - 61,317 77,455 53,443 1,052 539 5,092 68,663 - - - (11,043)22 Krung Thai Bank Public Ltd., P.P Branch* 229,641 - 9,170 55,149 5,253 58,386 391 0 0 2,487 82,194 - - 706 15,90623 Shinhan Khmer Bank 198,916 - 8,373 - 18,628 57,376 15,757 20 72 3,205 80,780 - - - 14,70424 Hwang DBS Commercial Bank Plc. 198,540 - 29,476 - 4,441 4,836 3,120 34 36 1,158 161,560 - - - (6,120)25 Kookmin Bank Cambodia Plc 187,653 - 59,148 - 8,603 42,850 13,055 75 1,151 2,073 64,624 - - - (3,925)26 Cambodia Mekong Bank Public Ltd. 183,550 - 47 - 42,860 23,835 - 58 8,626 1,889 149,443 - - - (43,207)27 Booyong Khmer Bank 152,422 - - - 51 3,425 - 0 - 380 145,404 - - - 3,16228 Bank of India Phnom Penh Branch* 67,478 - 8,089 - 533 1,266 1,551 33 0 649 52,507 - 4,039 - (1,189)Sub-Total 31,601,920 - 3,041,520 200,487 3,984,127 7,286,486 9,128,450 173,690 393,214 1,019,980 4,724,510 162,106 339,903 207,908 939,539Specialized Banks29 Rural Development Bank 209,828 - 534 96,983 3,018 858 1,441 25 0 5,047 82,284 - 6,325 - 13,31230 First Investment Specialized Bank 61,268 - - - - - - - - 508 48,468 10,837 - - 1,45531 CAMKO Specialized Bank Ltd. 55,480 - - - 30 138 - - - 286 52,507 - - - 2,51932 Angkor Capital Bank 54,824 - 22,426 - 442 4 - - - 5,660 40,390 - - - (14,099)33 Anco Specialized Bank 38,350 - - - - - - - - 1,500 32,716 - - - 4,13534 PHSME Specialized Bank 34,659 - - - 1,918 - - - - 841 31,282 - - - 61835 Tomato Specialized Bank 34,601 - - 1,616 8 - - - - 838 32,716 - - - (577)Sub-Total 489,010 - 22,960 98,599 5,415 1,001 1,441 25 0 14,681 320,362 10,837 6,325 - 7,362OtherliabilitiesTotal 32,090,929 - 3,064,480 299,086 3,989,543 7,287,487 9,129,892 173,716 393,214 1,034,661 5,044,872 172,943 346,228 207,908 946,901* Foreign branchesNote: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*-17-
Table 8TotalLiabilitiesand EquityOwed toNBCPERCENTAGE DISTRIBUTION OF LIABILITIES & EQUITY OF INDIVIDUAL BANKSAS AT DECEMBER 31, 2011Owed toBanksBorrowedFundsDemanddepositsSavingdepositsCustomer's depositFixeddepositsAccruedinterestpayableOtherdepositsPaid upCapitalReservesSubordinatedloans (afterNBC'sagreement)Generalprovisions &otherRetained andCurrentProfit/LossCommercial Banks1 Acleda Bank Plc. 100.0 - 2.8 2.4 8.0 33.3 32.1 0.5 0.3 4.8 5.2 - 4.4 3.4 2.92 Canadia Bank Plc. 100.0 - 7.7 - 4.4 25.3 44.4 1.0 0.2 3.8 8.4 - 0.5 - 4.33 Cambodian Public Bank Plc 100.0 - 0.3 - 18.5 19.3 38.3 0.5 0.1 1.9 8.9 3.9 - - 8.34 ANZ Royal Bank (Cambodia) Ltd. 100.0 - 1.8 - 33.4 32.5 15.2 0.1 - 5.2 10.1 - - - 1.75 BIDC 100.0 - 56.0 - 7.1 0.6 15.8 0.7 1.3 1.8 15.5 - - 0.0 1.16 Foreign Trade Bank of Cambodia 100.0 - 5.4 - 15.7 21.8 41.0 0.6 0.4 1.4 9.4 0.0 - 0.0 4.37 May Bank, Phnom Penh Branch* 100.0 - 39.6 - 21.1 10.5 15.2 0.1 0.1 1.7 9.4 - - - 2.38 Union Commercial Bank Plc. 100.0 - 4.8 - 13.3 20.8 39.5 2.1 0.2 2.2 14.8 - - 0.0 2.39 Bank of China Phnom Penh Branch* 100.0 - 10.3 0.0 22.2 10.4 5.0 0.0 28.3 12.4 7.3 - 4.8 - (0.8)10 Advanced Bank of Asia Ltd. 100.0 - 1.8 - 2.5 45.9 31.3 0.7 0.3 0.7 17.8 - - - (0.9)11 Vattanac Bank Ltd. 100.0 - 0.1 - 19.6 15.4 40.4 0.5 0.1 1.1 19.8 - - - 3.012 First Commercial Bank, P.P Branch* 100.0 - 24.2 - 7.3 26.2 15.6 1.5 0.2 0.7 19.6 - - - 4.713 Maruhan Japan Bank Plc 100.0 - 3.4 - 1.3 25.0 15.6 0.4 0.0 0.7 59.6 - - - (5.9)14 Cambodian Commercial Bank Ltd. 100.0 - 0.0 - 14.2 51.6 5.0 0.0 0.3 1.4 21.3 - - - 6.215 Phnom Penh Commercial Bank 100.0 - 38.2 - 0.9 7.6 12.3 0.2 0.4 0.7 38.1 - - - 1.716 OSK Indochina Bank Ltd 100.0 - 17.3 - 12.8 5.6 26.7 0.4 0.1 1.2 39.0 - - - (3.1)17 CIMB 100.0 - 3.4 - 12.6 5.2 37.2 0.2 - 4.6 41.1 - - - (4.2)18 Saigon Thuong Tin (Cambodia) Plc 100.0 - 34.0 - 2.2 7.7 6.2 0.0 - 3.3 43.5 - - - 3.019 Agri Bank Cambodia Branch* 100.0 - - - 8.1 0.3 1.2 0.0 27.5 4.7 57.5 - - - 0.720 Cambodia Asia Bank Ltd. 100.0 - - - 7.4 9.8 23.8 0.6 - 1.1 54.4 - - - 2.921 Singapore Banking Corporation 100.0 - 0.0 - 23.9 30.2 20.8 0.4 0.2 2.0 26.8 - - - (4.3)22 Krung Thai Bank Public Ltd., P.P Branch* 100.0 - 4.0 24.0 2.3 25.4 0.2 0.0 0.0 1.1 35.8 - - 0.3 6.923 Shinhan Khmer Bank 100.0 - 4.2 - 9.4 28.8 7.9 0.0 0.0 1.6 40.6 - - - 7.424 Hwang DBS Commercial Bank Plc. 100.0 - 14.8 - 2.2 2.4 1.6 0.0 0.0 0.6 81.4 - - - (3.1)25 Kookmin Bank Cambodia Plc 100.0 - 31.5 - 4.6 22.8 7.0 0.0 0.6 1.1 34.4 - - - (2.1)26 Cambodia Mekong Bank Public Ltd. 100.0 - 0.0 - 23.4 13.0 - 0.0 4.7 1.0 81.4 - - - (23.5)27 Booyong Khmer Bank 100.0 - - - 0.0 2.2 - 0.0 - 0.2 95.4 - - - 2.128 Bank of India Phnom Penh Branch* 100.0 - 12.0 - 0.8 1.9 2.3 0.0 0.0 1.0 77.8 - 6.0 - (1.8)Sub-Total 100.0 - 9.6 0.6 12.6 23.1 28.9 0.5 1.2 3.2 15.0 0.5 1.1 0.7 3.0OtherliabilitiesShareholder's equitySpecialized Banks29 Rural Development Bank 100.0 - 0.3 46.2 1.4 0.4 0.7 0.0 0.0 2.4 39.2 - 3.0 - 6.330 First Investment Specialized Bank 100.0 - - - - - - - - 0.8 79.1 17.7 - - 2.431 CAMKO Specialized Bank Ltd. 100.0 - - - 0.1 0.2 - - - 0.5 94.6 - - - 4.532 Angkor Capital Bank 100.0 - 40.9 - 0.8 0.0 - - - 10.3 73.7 - - - (25.7)33 Anco Specialized Bank 100.0 - - - - - - - - 3.9 85.3 - - - 10.834 PHSME Specialized Bank 100.0 - - - 5.5 - - - - 2.4 90.3 - - - 1.835 Tomato Specialized Bank 100.0 - - 4.7 0.0 - - - - 2.4 94.6 - - - (1.7)Sub-Total 100.0 - 4.7 20.2 1.1 0.2 0.3 0.0 0.0 3.0 65.5 2.2 1.3 - 1.5Total 100.0 - 9.5 0.9 12.4 22.7 28.5 0.5 1.2 3.2 15.7 0.5 1.1 0.6 3.0* Foreign branchesNote: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*-18-
Page 2 and 3: ForewordIn 2011, many developed and
Page 4: CONTENTS1. Structure of the Banking
Page 7 and 8: Number of Debit and Credit Cards (B
Page 9 and 10: 4.2 Supervisory DevelopmentAs the s
Page 11 and 12: Retail and wholesale sector capture
Page 13 and 14: Banks - Return on Assets and Return
Page 15 and 16: Appendix 1Data of Banks and Microfi
Page 17 and 18: Number of staffAs of December 31, 2
Page 19 and 20: SHARE OF PAID-UP CAPITALAs of Decem
Page 21: Table 6PERCENTAGE DISTRIBUTION OF A
Page 25 and 26: Table 10Commercial BanksNET PROFITS
Page 27 and 28: TOTAL DEPOSITS CLASSIFIED BY CUSTOM
Page 29 and 30: Table 14(millions of KHR)2011 2010
Page 31 and 32: Table 16LOANS AS PERCENTAGE OF DEPO
Page 33 and 34: Number of Offices of Micro Finance
Page 35 and 36: Table 20COMPARISION OF TOTAL ASSETS
Page 37 and 38: Table 22COMPARATIVE STATEMENT OF CO
Page 39 and 40: COMPARATIVE STATEMENT OF CONDITIONA
Page 41 and 42: PROFIT AND LOSS STATEMENTFor Year E
Page 43 and 44: Table 28COMPARISION OF TOTAL DEPOSI
Page 45 and 46: Table 30LOAN AND NON-PERFORMING LOA
Page 47 and 48: Table 32LOANS CLASSIFIED BY TYPE OF
Page 49 and 50: Head Office Address of Microfinance
Page 51 and 52: 23 Angkor ACE Star Credit# 99, Stre
Page 53 and 54: Nº BANKS' NAMEAppendix 2BRIEL AND
Page 55: No. Name of Institution No. Name of

National Bank of Cambodia

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