National Bank of Cambodia

Table 14(millions of KHR)2011 2010 Growth Rate (%)Share Share 2011 over 2010Type of Industries1 Retail Trade 3,187,382 18.0% 2,369,452 17.9% 34.5%2 Wholesale Trade 2,545,005 14.4% 2,316,275 17.5% 9.9%3 Other Non-Financial Services 1,624,405 9.2% 1,309,328 9.9% 24.1%4 Manufacturing 1,621,658 9.2% 1,149,889 8.7% 41.0%5 Agriculture, Forestry and Fishing 1,569,397 8.9% 883,695 6.7% 77.6%6 Construction 1,316,915 7.4% 930,667 7.0% 41.5%7 Hotels and Restaurants 1,312,275 7.4% 1,287,877 9.7% 1.9%8 Mortgages, Owner-Occupied Housing only 1,096,184 6.2% 476,143 3.6% 130.2%9 Personal consumption 873,504 4.9% 683,655 5.2% 27.8%10 Real estate and Public utilities 564,804 3.2% 613,332 4.6% -7.9%11 Information Media and Telecom 527,975 3.0% 355,704 2.7% 48.4%12 Financial Institutions 323,384 1.8% 177,214 1.3% 82.5%13 Other 297,072 1.7% 165,468 1.3% 79.5%14 Rental and Operational Leasing Activities* 293,376 1.7% 98,589 0.7% 197.6%15 Transport and Storage 271,896 1.5% 251,858 1.9% 8.0%16 Utilities 208,689 1.2% 72,878 0.6% 186.4%17 Credit Cards 32,626 0.2% 23,508 0.2% 38.8%18 Mining and Quarrying 13,342 0.1% 55,404 0.4% -75.9%Total 17,679,890 100.0% 13,220,939 100.0% 33.7%Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB** Excluded Real Estate Leasing and RentalsTOTAL CREDITS CLASSIFIED BY TYPE OF INDUSTRYAs at December 31, 2011Financial Institutions1.8%Information Media and Telecom3.0%Real estate and Public utilities3.2%Other1.7%Rental and Operational LeasingActivities*1.7%Transport and Storage1.5%Retail Trade18.0%Utilities1.2%Credit Cards0.2%Mining and Quarrying0.1%Personal consumption4.9%Mortgages, Owner-OccupiedHousing only6.2%Wholesale Trade14.4%Hotels and Restaurants7.4%Construction7.4%Manufacturing9.2%Other Non-FinancialServices9.2%Agriculture, Forestry and Fishing8.9%Total Credits classified by type of business(billions of KHR)20,000Services18,000 Whole sale and Retail16,000 Manufacturing14,000 Real estate and Public utilities12,000 ConstructionAgriculture10,000Import8,00028%Personal 6,000 consumptionOther 4,0002,000 2,438-42%3,47280%6,26057%9,833 10,5407%13,22125%17,6802005 2006 2007 2008 2009 2010 201134%90%80%70%60%50%40%30%20%10%0%Total creditsGrowth rate-24-