Annual report 2008-OK-B-up.qxp - Canadia Bank Plc.
Annual report 2008-OK-B-up.qxp - Canadia Bank Plc.
Annual report 2008-OK-B-up.qxp - Canadia Bank Plc.
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NOTES TO THE FINANCIAL STATEMENTS<br />
7. LOANS AND ADVANCES TO CUSTOMERS (CONTINUED)<br />
b) Loan classification<br />
Gross loans <strong>2008</strong> 2007 <strong>2008</strong> 2007<br />
US$ US$ Riel Million Riel Million<br />
(Unaudited) (Unaudited)<br />
Standard loans:<br />
Secured 353,932,220 322,512,095 1,444,397 1,291,016<br />
Unsecured 311,987 432,311 1,273 1,731<br />
Substandard loans:<br />
Secured 35,981,324 6,824,523 146,840 27,319<br />
Doubtful loans:<br />
Secured 6,836,133 6,393,600 27,898 25,594<br />
Loss loans:<br />
Secured 14,819,551 10,575,633 60,479 42,332<br />
Unsecured 240,314 - 981 -<br />
412,121,529 346,738,162 1,681,868 1,387,992<br />
c) Analysis by industry<br />
Gross loans <strong>2008</strong> 2007 <strong>2008</strong> 2007<br />
US$ US$ Riel Million Riel Million<br />
(Unaudited) (Unaudited)<br />
Manufacturing 22,451,512 32,429,041 91,625 129,813<br />
Building and construction 42,173,418 87,297,636 172,110 349,452<br />
Mortgage 88,109,243 43,782,506 359,574 175,261<br />
Wholesale and retail 79,815,604 70,570,455 325,727 282,494<br />
Import and export 19,621,998 13,850,276 80,077 55,443<br />
Transportation, storage and communication 7,960,014 11,293,512 32,485 45,208<br />
Services 108,510,765 75,747,889 442,832 303,219<br />
Agriculture 31,141,740 4,220,175 127,089 16,893<br />
Individuals 1,089,667 1,028,354 4,447 4,117<br />
Others 11,247,568 6,518,318 45,902 26,092<br />
412,121,529 346,738,162 1,681,868 1,387,992<br />
d) Maturity analysis<br />
<strong>2008</strong> 2007 <strong>2008</strong> 2007<br />
Gross loans US$ US$ Riel Million Riel Million<br />
(Unaudited) (Unaudited)<br />
Not later than 1 year 285,498,785 207,566,312 1,165,121 830,888<br />
Later than 1 year and no later than 3 years 33,622,945 87,303,867 137,215 349,477<br />
Later than 3 years and no later than 5 year 14,815,272 12,594,433 60,461 50,416<br />
Later than 5 years 78,184,527 39,273,550 319,071 157,211<br />
412,121,529 346,738,162 1,681,868 1,387,992<br />
40<br />
<strong>Annual</strong> Report <strong>2008</strong>