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TABLEof Contents1. Corporate InformationVision & Mission 1Message from Chairman of the Board of Directors 2Message from President & CEO 4Cambodia Economic Review 7Company Profile 92. Business ReviewCorporate Capital Structure 10Organizational Structure 13Board of Directors 14Management Team 16Events of the Year 20Customer Profile 22Products and Services 24Human Resources 27Social and Environment Management 29Geographical Coverage 303. Financial HighlightsBalance Sheet 31Income Statement 32Statement of Change in Shareholder’s Equity 33Statement of Cash Flow 344. General InformationLending and Network Partners 35Contact Addresses 36
Page 4 and 5: 2HKL Annual Report 2012Message from
Page 6 and 7: 4HKL Annual Report 2012Message from
Page 8 and 9: 6HKL Annual Report 2012The Prospect
Page 10 and 11: 8HKL Annual Report 2012The exchange
Page 12 and 13: 10HKL Annual Report 2012Corporate C
Page 14 and 15: 12HKL Annual Report 2012Solidarité
Page 16 and 17: 14HKL Annual Report 2012Board of Di
Page 18 and 19: 16HKL Annual Report 2012Management
Page 20 and 21: 18HKL Annual Report 2012Ly Siven, C
Page 22 and 23: 20HKL Annual Report 2012Events of t
Page 24 and 25: 22HKL Annual Report 2012Customer Pr
Page 26 and 27: 24HKL Annual Report 2012Products an
Page 28 and 29: 26HKL Annual Report 2012Local Money
Page 30 and 31: 28HKL Annual Report 2012Our People
Page 32 and 33: 30HKL Annual Report 2012Geographica
Page 34 and 35: 32HKL Annual Report 2012INCOME STAT
Page 36 and 37: 34HKL Annual Report 2012STATEMENT O
Page 38 and 39: 36HKL Annual Report 2012Contact Add
Page 40: 38HKL Annual Report 2012Peam Ror Br

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