- Overview
Since 2022, C.K.L.S Finance Plc has demonstrated consistent growth and financial resilience. We remain committed to maintaining a strong capital base while supporting the economic aspirations of our clients across Cambodia.
១–១. របាយការណ៍លទ្ធផលផលចំណេញ/ខាត និងចំណូលទូលំទូលាយ
1-1. Statement of Comprehensive Income
(គិតជា ពាន់រៀល / In KHR ‘000)
| ព័ត៌មានហិរញ្ញវត្ថុ Financial Items | 2022 | 2023 | 2024 | 2025 |
| ប្រាក់ចំណូលការប្រាក់ Interest Income | 479,365 | 2,604,403 | 3,193,834 | 3,468,849 |
| ចំណាយការប្រាក់ Interest Expense | (410,355) | (547,064) | (460,569) | (537,661) |
| ប្រាក់ចំណូលការប្រាក់សុទ្ធ Net Interest Income | 69,010 | 2,057,339 | 2,733,265 | 2,931,188 |
| ប្រាក់ចំណូលប្រតិបត្តិការផ្សេងៗ Other Operating Income | 1,787,721 | 92,294 | 129,435 | 113,514 |
| ចំណាយប្រតិបត្តិការ និងរដ្ឋបាល Operating Expenses | (1,203,331) | (1,589,662) | (2,248,430) | (2,999,900) |
| ប្រាក់ចំណេញប្រតិបត្តិការ Operating Profit | 653,400 | 559,971 | 614,270 | 44,802 |
| ការបម្រុងទុកខាតបង់ឥណទាន Allowance for Impairment Losses | (370,515) | (231,274) | (533,754) | (1,663,108) |
| ប្រាក់ចំណេញ/(ខាត) មុនពន្ធ Profit/(Loss) Before Tax | 282,885 | 328,697 | 80,516 | (1,618,306) |
| ចំណាយពន្ធលើប្រាក់ចំណេញ Income Tax Expense | (90,916) | (42,140) | (67,267) | (29,044) |
| ប្រាក់ចំណេញ/(ខាត) សុទ្ធប្រចាំឆ្នាំ Net Profit/(Loss) for the Year | 191,969 | 286,557 | 13,249 | (1,647,350) |
១-២. របាយការណ៍ស្ថានភាពហិរញ្ញវត្ថុ
1-2. Statement of Financial Position
(គិតជា ពាន់រៀល / In KHR ‘000)
| ព័ត៌មានហិរញ្ញវត្ថុ Balance Sheet Items | 2022 | 2023 | 2024 | 2025 |
| សាច់ប្រាក់ និងប្រាក់តម្កល់នៅធនាគារ/NBC Cash and Placements with Banks/NBC | 83,223 | 126,658 | 294,953 | 88,212 |
| ឥណទានសរុបដើមគ្រា Gross Loans to Customers | 3,984,317 | 4,428,453 | 5,243,710 | 4,774,377 |
| ឥណទានសុទ្ធជូនអតិថិជន Net Loans to Customers | 3,336,494 | 3,843,525 | 4,521,842 | 2,958,273 |
| អចលនទ្រព្យ និងបរិក្ខារ Property and Equipment | 38,518 | 71,260 | 77,239 | 59,327 |
| ទ្រព្យសកម្មផ្សេងៗ Other Assets & Receivables | 108,939 | 73,997 | 23,749 | 110,147 |
| ទ្រព្យសកម្មសរុប Total Assets | 3,567,174 | 4,115,440 | 4,917,783 | 3,215,959 |
| កម្ចីពីគ្រឹះស្ថានហិរញ្ញវត្ថុ Borrowings from Financial Institutions | 397,442 | 468,885 | 950,009 | 757,872 |
| កម្ចី និងប្រាក់ជំពាក់ភាគីពាក់ព័ន្ធ Amount Due to Related Parties | 1,845,636 | 2,105,121 | 2,945,748 | 3,130,867 |
| បំណុលផ្សេងៗ និងពន្ធត្រូវបង់ Other Liabilities & Tax Payable | 430,856 | 367,632 | 372,089 | 359,537 |
| បំណុលសរុប Total Liabilities | 2,673,934 | 2,941,638 | 4,267,846 | 4,248,276 |
| ដើមទុនភាគហ៊ុន Share Capital | 350,000 | 350,000 | 350,000 | 350,000 |
| មូលនិធិបម្រុងតាមបទប្បញ្ញត្តិ Regulatory Reserve | 0 | 222,015 | 482,549 | 0 |
| ប្រាក់ចំណេញរក្សាទុក / (ខាតបង់សរុប)Retained Earnings / (Accumulated Losses) | 543,240 | 601,787 | (182,612) | (1,382,317) |
| មូលធនសរុប Total Equity | 893,240 | 1,173,802 | 649,937 | (1,032,317) |
2. Message from the Chairman
Strong Foundations, Sustainable Future
Dear Shareholders, Partners, and Stakeholders,
On behalf of the Board of Directors, it is my honor to present the Annual Report for C.K.L.S Finance Plc. As we reflect on our journey since 2022, I am proud to report that our institution has not only demonstrated remarkable resilience but has also achieved a new level of operational maturity and financial stability.
A Period of Strategic Growth
Over the past few years, the financial landscape has presented both challenges and opportunities. At C.K.L.S Finance, we responded by reinforcing our capital position and expanding our reach to those who need it most. Our steady growth in Total Assets and Gross Loan Portfolio since 2022 is a testament to our disciplined approach to credit and our deep understanding of the Cambodian market.
Commitment to Excellence and Integrity
Our success is not measured by financial figures alone. We have made significant strides in strengthening our Governance and Risk Management frameworks. By prioritizing transparency and strict compliance with regulatory standards, we ensure that C.K.L.S remains a safe and reliable partner for our clients.
Furthermore, our recent focus on ESG (Environmental, Social, and Governance) training and policy development marks a pivotal shift in our strategy. We are committed to ensuring that our lending practices contribute positively to the environment and the social fabric of the communities we serve.
Looking Ahead
As we move forward, our focus remains clear: to leverage technology and professional expertise to drive financial inclusion. We will continue to innovate our products, invest in our people, and maintain the high standards of service that our clients expect.
Appreciation
I would like to extend my deepest gratitude to our shareholders for their unwavering trust, to our customers for their loyalty, and to the National Bank of Cambodia for their continuous guidance. Most importantly, I want to thank our management team and staff for their hard work and dedication.
Together, we are building a financial institution that is not only profitable but also a force for good in our society.
Sincerely,
Mr. Svay Sokkhen,
Chairman of the Board of Directors
C.K.L.S Finance Plc.
3. Mission, Vision, Goal & Core Values
- Vision:
- To be a leading financial institution for giving quickly financial service to all partner in rural community and urbanism in order to support daily income and sustainable their business toward sustainable rural economic development.
- Mission:
- give financial service to Micro, small SME and all general people in city and rural community in the way for managing and controlling high financial effectiveness in order to get good living standard, sustainable economics and increase the benefit to shareholders, employees and in all community in professional good high morality, society, law and environment in country.
- Goal: to partner closely with the public to promote social economy through providing effectively financial services and training on family financial management.
- Core Value:
C= Confident : We build trust through professional expertise and reliable financial solutions.
K= Kindness : We treat every client with heart, empathy, and a commitment to their well-being.
L= Largeness : We think big and aim for inclusive growth that reaches everyone, everywhere.
S= Safeness : We protect your assets and data with the highest standards of security and integrity.
4. Sustainability & Governance Statement
C.K.L.S Finance Plc operates under a robust governance framework designed to ensure transparency and ethical lending.
- Environmental Policy: We assess the environmental impact of our lending to promote resource efficiency.
- Social Impact: We empower local entrepreneurs to foster financial inclusion.
- Regulatory Compliance: We strictly adhere to NBC standards and AML/CFT regulations to ensure a safe financial environment.
5. Organizational Structure
- Board of Directors: Strategic oversight and governance.
- Board Committees: Audit, Risk Management, and Governance.
- Executive Management:
- CEO: Strategic leadership.
- Finance & Accounting: Capital management.
- Credit & Risk: Portfolio quality control.
- Compliance & Legal: Regulatory adherence.
- Operations & HR: Service delivery and human capital.
6-Annual Reports Archive
Transparency is a core value at C.K.L.S Finance Plc. You can download our full audited reports below:
