»  Financial Information  »  Audited Financial Statements  »  1st Quarter 2017

Audited Interim Consolidated Financial Statements

Income Statement

For the period covering January 1, 2017 to March 31, 2017

  For the period covering January 1, 2017 to March 31, 2017
US$
For the period covering January 1, 2016 to March 31, 2016
US$
Interest income 106,309,653 98,786,872
Interest expense (34,530,332) (28,143,127)
Net interest income 71,779,321 70,643,745
Provision for loan losses (6,591,334) (3,216,112)
Net interest income after provision for loan losses 65,187,987 67,427,633
Fee and commission income 14,926,362 12,094,775
Fee and commission expense (1,416,928) (584,019)
Net fee and commission income 13,509,434 11,510,756
Other incomes 3,116,136 2,223,897
Personnel expenses (28,671,418) (26,663,738)
General and administrative expenses (11,346,662) (9,970,482)
Depreciation charge (5,307,027) (6,279,727)
Amortisation charge (981,587) (761,525)
  (43,190,558) (41,451,575)
Profit before income tax 35,506,863 37,486,814
Income tax expenses (7,111,572) (7,294,717)
Profit for the period 28,395,291 30,192,097
Attributable to:
Equity holders of the Bank 28,250,789 30,149,755
Minority interest 144,502 42,342
  28,395,291 30,192,097

Balance Sheet

As at March 31, 2017

  As at March 31, 2017
US$
As at Deccember 31, 2016
US$
ASSETS
Cash on hand 297,216,078 286,216,621
Balances with the Central Bank 1,336,299,399 1,225,525,016
Balances with other banks 127,882,368 101,179,055
Loans and advances to customers 2,903,725,675 2,841,390,830
Other assets 50,018,460 51,987,525
Statutory deposits 309,613 307,159
Property and equipment 125,397,975 125,990,861
Intangible assets 12,083,341 11,841,825
Deferred tax assets 22,071,386 20,133,459
Other investments 153,529 153,529
TOTAL ASSETS 4,875,157,824 4,664,725,880
LIABILITIES AND EQUITY
LIABILITIES
Due to other banks 333,368,179 359,558,240
Deposits from customers 2,989,222,099 2,766,613,255
Other liabilities 86,779,508 80,619,149
Borrowings 619,867,363 616,064,141
Subordinated debts 109,400,000 109,400,000
Current income tax liabilities 8,688,485 35,697,545
Employee benefits 38,726,814 35,983,909
TOTAL LIABILITIES 4,186,052,448 4,003,936,239
EQUITY
Share capital 307,763,911 307,763,911
General reserves 238,722,359 238,722,359
Currency translation reserves (2,169,388) (2,082,409)
Other reserves (14,132,007) (14,132,007)
Retained earnings 155,137,758 126,886,969
  685,322,633 657,158,823
Minority interest 3,782,743 3,630,818
TOTAL EQUITY 689,105,376 660,789,641
TOTAL LIABILITIES AND EQUITY 4,875,157,824 4,664,725,880

Note: These financial statements are audited by PricewaterhouseCoopers (Cambodia) Ltd.


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ACLEDA Bank Plc. Headquarters
Registration No. 00003077
#61, Preah Monivong Blvd., Sangkat Srah Chork,
Khan Daun Penh, Phnom Penh, Cambodia.
P.O. Box: 1149
Tel: +855 (0)23 998 777 / 430 999
Fax: +855 (0)23 430 555
E-mail: acledabank@acledabank.com.kh
SWIFT Code: ACLBKHPP
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