National Bank of Cambodia

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-