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Table 15TOTAL CREDITS CLASSIFIED BY TYPE OF BUSINESSAs at December 31, 2011(millions of KHR)TotalFinancialInstitutionsAgriculture,Forestry andFishingMining andQuarryingUtilitiesManufacturingConstructionWholesaleTradeRetail TradeHotels andRestaurantsTransportandStorageInformationmedia &Telecom.Rental andOperationalLeasingActivitiesRealEstateActivitiesOther Non-FinancialServicesPersonalEssentialsOtherLendingCommercial banks1 ACLEDA Bank 4,102,821 17,060 674,444 - 187,173 - - 646,908 1,011,163 55,803 - - - 25,218 782,392 625,662 77,0002 Canadia Bank Ltd. 3,081,029 14,835 265,811 5,234 230,397 23,028 204,556 384,989 610,103 450,668 30,506 140,026 141,421 58,623 71,565 449,268 -3 Cambodian Public Bank Plc 2,484,017 7,465 51,845 1,794 272,186 13,699 307,668 188,229 611,485 393,623 108,853 27,847 89,743 105,344 104,925 194,984 4,3264 ANZ Royal Cambodia 1,332,837 7,466 2,080 2,273 171,848 1,255 30,393 542,317 40,347 17,714 43,296 204,856 571 31,314 16,670 220,435 -5 BIDC 1,156,250 - 133,702 2,198 216,829 31,326 123,557 99,396 210,138 3,882 29,114 50,917 - 56,178 - 73,472 125,5406 Foreign Trade Bank of Cambodia 696,471 84,323 115,803 - 32,867 24,254 25,282 18,926 58,274 - - - - - 322,989 13,753 -7 May Bank 682,814 16,821 35,579 - 118,633 16,487 52,535 84,657 42,057 4,958 7,145 1,586 - 121,519 13,260 166,951 6268 Union Commercial Bank Plc. 589,874 24,839 15,853 - 88,416 28,006 159,919 79,325 65,408 31,145 494 10,708 6,152 37,911 13,738 22,780 5,1809 Advanced Bank of Asia Ltd. 379,903 - 9,617 1,273 25,633 1,146 18,988 17,525 76,926 34,752 2,069 14,220 1,218 4,058 93,506 78,974 -10 First Commercial Bank 379,811 - 5,534 - 54,683 - 29,952 119,601 18,239 25,587 2,690 1,423 - 15,301 87,724 4,040 15,03711 Vattanac Bank 343,242 - 13,735 - 43,348 - 55,315 58,691 51,787 54,774 20,614 - 1,865 13,892 24,771 4,275 17412 OSK Indochina Bank 233,588 851 3,363 - 37,244 173 9,151 8,264 52,359 64,164 3,813 3,287 22,593 - 3,788 24,538 -13 Saigon Thuong Tin (Cambodia) Plc 229,563 - - - 40,779 406 19,003 51,682 53,145 6,934 6,494 122 - - - 3,732 47,26614 Maruhan Japan Bank Plc. 198,663 65,582 26,558 - 7,175 4,018 21,260 40,401 298 30,523 1,514 - 632 - - 703 -15 Phnom Penh Commercial Bank 175,905 6,060 1,686 - 18,866 543 25,268 23,026 36,792 27,486 3,439 - 14,395 9,543 3,880 4,879 4116 CIMB Bank Plc. 171,925 3,881 - - 5,657 - 14,344 22,227 18,175 13,959 3,351 23,603 - 36,411 10,259 20,059 -17 Shinhan Khmer Bank 153,058 - 11,968 569 33,754 844 29,665 11,307 7,126 32,369 5,034 805 - - 17,630 1,988 -18 Cambodia Asia Bank Ltd. 142,366 - - - - - 131,875 - - - - - - - - 10,490 -19 Singapore Banking Corporation Ltd. 138,281 1,794 224 - 8,012 3,896 10,501 242 98,369 101 2,855 - - - - 6,854 5,43220 Cambodian Commercial Bank Ltd. 126,722 - - - - - 807 - 88,526 33,754 - - - - 2,984 652 -21 Krung Thai Bank Public Co. Ltd. 112,006 - 48,478 - 1,091 36,399 14,524 10,171 1,344 - - - - - - - -22 KOOKMIN Bank Cambodia Plc. 101,414 - 11,531 - - - 5,409 38,062 - 6,747 - - - 14,955 24,709 - -23 Cambodia Mekong Bank Ltd. 87,481 - 9,115 - 4,118 18,700 145 10,233 964 2,215 - - - 18,026 20,595 1,426 1,94524 AGRI Bank Cambodia Branch 78,057 - 3,433 - 6,467 - 6,719 11,306 - 6,177 71 40,437 - - - 3,435 1225 HwangDBS 75,667 2,423 562 - 495 146 1,631 6,965 8,188 5,658 503 967 10,429 3,555 79 19,573 14,49226 Bank of India Phnom Penh Branch 56,743 39,973 4,050 - 5,604 121 2,816 2,290 - - - - - - - 1,887 -27 Bank of China Phnom Penh Branch 24,626 - - - 5,447 - - 14,954 - - - - - - 4,225 - -28 Booyoung Khmer Bank - - - - - - - - - - - - - - - - -Sub total 17,335,136 293,374 1,444,971 13,342 1,616,723 204,448 1,301,283 2,491,694 3,161,212 1,302,992 271,858 520,802 289,020 551,847 1,619,688 1,954,809 297,072Specialized banks29 Rural Development Bank 139,343 28,430 108,205 - - 30 - - - - - - - - - 2,679 -30 Angkor Capital Specialized Bank 51,319 - - - - - - 51,319 - - - - - - - - -31 CAMKO Specialized Bank Ltd. 44,259 - - - - - 3,479 - - - - - - 8,923 124 31,734 -32 ANCO Specialized Bank 39,261 1,016 11,543 - 893 3,421 1,224 - 7,740 5,281 - - - 906 - 7,237 -33 First Investment Specialized Bank 24,327 - 1,335 - 1,581 140 3,103 326 3,763 1,165 38 7,172 - - 1,007 4,698 -34 PHSME Specialized Bank Ltd. 24,102 442 1,327 - 2,151 651 5,671 - 6,687 37 - - 87 3,128 3,545 376 -35 Tomato Specialized Bank 22,143 122 2,017 - 311 - 2,156 1,666 7,980 2,800 - - 4,269 - 41 782 -Sub total 344,754 30,010 124,426 - 4,935 4,241 15,632 53,311 26,171 9,284 38 7,172 4,356 12,957 4,717 47,505 -Total17,679,890 323,384 1,569,397 13,342 1,621,658 208,689 1,316,915 2,545,005 3,187,382 1,312,275 271,896 527,975 293,376 564,804 1,624,405 2,002,314 297,072* Foreign branchesNote: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*100.0% 1.8% 8.9% 0.1% 9.2% 1.2% 7.4% 14.4% 18.0% 7.4% 1.5% 3.0% 1.7% 3.2% 9.2% 11.3% 1.7%-25-
Table 16LOANS AS PERCENTAGE OF DEPOSITSAs of December 31, 20112011 2010(millions of KHR)Deposits 1 Loans 2 Loans to depositsratioDeposits 1 Loans 2 Loans todeposits ratioCommercial Banks1 Acleda Bank Plc. 4,492,049 4,102,821 91% 3,606,757 3,047,511 84%2 Canadia Bank Plc. 3,974,422 3,079,009 77% 3,101,796 2,140,373 69%3 Cambodian Public Bank Plc 3,136,978 2,484,017 79% 3,231,618 2,326,613 72%4 ANZ Royal Bank (Cambodia) Ltd. 2,306,093 1,332,837 58% 2,059,786 1,193,835 58%5 Foreign Trade Bank of Cambodia 1,315,089 608,553 46% 1,076,071 527,311 49%6 Union Commercial Bank Plc. 778,639 589,874 76% 631,136 361,091 57%7 Advanced Bank of Asia Ltd. 659,691 379,903 58% 477,593 302,097 63%8 May Bank, Phnom Penh Branch* 606,716 682,814 113% 788,443 367,835 47%9 Vattanac Bank Ltd. 580,336 343,242 59% 660,287 230,171 35%10 Bank of China Phnom Penh Branch* 549,437 24,626 4% - - -11 Bank for Investment & Development of Cambodia Plc. 464,539 1,156,250 249% 394,786 606,506 154%12 Cambodian Commercial Bank Ltd. 337,670 126,722 38% 291,111 142,633 49%13 First Commercial Bank, Phnom Penh Branch* 294,051 379,811 129% 163,477 303,650 186%14 Maruhan Japan Bank Plc. 211,313 133,163 63% 164,965 56,971 35%15 CIMB Bank 200,333 171,925 86% 12,214 - 0%16 Singapore Banking Corporation 193,807 138,281 71% 167,513 107,766 64%17 OSK Indochina Bank 188,624 233,588 124% 95,594 113,346 119%18 Cambodia Asia Bank Ltd. 112,929 142,366 126% 76,788 99,437 129%19 Agri Bank Cambodia Branch* 101,788 78,057 77% 14,882 56,030 377%20 Shinhan Khmer Bank 91,853 153,058 167% 93,519 125,767 134%21 Phnom Penh Commercial Bank 87,836 174,337 198% 44,254 96,667 218%22 Cambodia Mekong Bank Public Ltd. 75,379 87,481 116% 64,928 78,885 121%23 Kookmin Bank Cambodia Plc 3 65,734 101,414 154% 37,238 66,230 178%24 Krung Thai Bank Public Co. Ltd., P.P. Branch* 64,030 112,006 175% 50,408 101,887 202%25 Saigon Thuong Tin (Cambodia) Plc 57,310 229,563 401% 63,744 281,742 442%26 Hwang DBS Commercial Bank Plc 12,466 75,668 607% 12,935 26,457 205%27 Booyoung Khmer Bank 3,477 - 0% 634 1,668 263%28 Bank of India Phnom Penh Branch* 3,383 16,769 496% 4,137 5,757 139%Sub-total 20,965,968 17,138,155 81.7% 17,386,611 12,768,235 73.4%Specialized Banks29 Rural Development Bank 5,343 130,811 2448% 5,122 110,127 2150%30 PHSME Specialized Bank 1,918 24,102 1257% 409 23,084 5651%31 Angkor Capital Specialized Bank 446 51,319 11494% 25,742 67,028 260%32 CAMKO Specialized Bank Ltd. 168 44,259 26348% 61,238 85,515 140%33 Tomato Specialized Bank 8 22,143 289832% 85 21,828 25804%34 First Investment Specialized Bank - 24,327 - 18 20,790 116601%35 Anco Specialized Bank - 39,261 - - 37,173 0%Sub-total 7,883 336,222 4265.0% 92,613 365,544 394.7%Total 20,973,851 17,474,377 83.3% 17,479,224 13,133,779 75.1%* Foreign branches1 Excluding deposits from Banks and Other Financial Institutions (OFIs), both local and abroad.2 Gross Loans (excluding loans to government & banks)Note: As reported by banks (Unaudited) and excluded Mega Bank*, ICBC*, MB*Loans to Deposits Ratio25,000120%Billions of KHR20,00015,00010,0005,000-3,92760%2,3475,68763% 64%3,5799,9226,33610,28795%9,80413,84276% 75%10,46717,47913,13520,97483%17,474100%80%60%40%20%0%2005 2006 2007 2008 2009 2010 2011Deposits Loans Loans to Deposits Ratio-26-
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 and 22: Table 6PERCENTAGE DISTRIBUTION OF A
Page 23 and 24: Table 8TotalLiabilitiesand EquityOw
Page 25 and 26: Table 10Commercial BanksNET PROFITS
Page 27 and 28: TOTAL DEPOSITS CLASSIFIED BY CUSTOM
Page 29: Table 14(millions of KHR)2011 2010
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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