T&S Asset Management

Lesson 4 of 6

The statistics to watch and how to read them: credit growth, loan quality, interest rates and the currency mix

Four kinds of statistics tell a lender most of what it needs about Cambodian credit: how fast credit grows, how good the loans are, what money costs and in which currency it is lent. This lesson explains where each figure comes from, how it is defined and how to read it without being misled, using dated figures as examples.

Published 27 October 2026 Members

In this lesson

  • Where the figures come from
  • Credit growth and the loan-to-deposit ratio
  • Loan quality: the non-performing loan ratio
  • What the ratio leaves out
  • Interest rates and the currency mix
  • Reading the statistics as a lender