»  Financial Information  »  Audited Financial Statements  »  2nd Quarter 2017

Audited Interim Consolidated Financial Statements

1st Quarter   2nd Quarter

Income Statement

For the period covering January 1, 2017 to June 30, 2017

  For the period covering Jan 1, 2017 to Jun 30, 2017
US$
For the period covering Jan 1, 2016 to Jun 30, 2016
US$
Interest income 211,538,111 200,294,127
Interest expense (70,970,195) (58,236,870)
Net interest income 140,567,916 142,057,257
Provision for loan losses (11,123,318) (6,400,673)
Net interest income after provision for loan losses 129,444,598 135,656,584
Fee and commission income 29,101,467 23,664,928
Fee and commission expense (2,433,345) (1,209,473)
Net fee and commission income 26,668,122 22,455,455
Other incomes 5,219,521 4,420,609
Personnel expenses (59,187,606) (54,133,288)
General and administrative expenses (22,558,585) (20,191,326)
Depreciation charge (10,493,324) (12,594,920)
Amortisation charge (1,990,109) (1,543,566)
  (89,010,103) (84,042,491)
Profit before income tax 67,102,617 74,069,548
Income tax expenses (13,797,034) (14,649,623)
Profit for the period 53,305,583 59,419,925
Attributable to:
Equity holders of the Bank 52,994,984 59,296,333
Minority interest 310,599 123,592
  53,305,583 59,419,925

Balance Sheet

As at June 30, 2017

  As at Jun 30, 2017
US$
As at Dec 31, 2016
US$
ASSETS
Cash on hand 279,323,745 286,216,621
Balances with the Central Bank 1,607,610,821 1,225,525,016
Balances with other banks 116,167,236 101,179,055
Loans and advances to customers 2,866,638,146 2,841,390,830
Other assets 45,977,067 51,987,525
Statutory deposits 303,475 307,159
Property and equipment 126,842,563 125,990,861
Intangible assets 12,466,605 11,841,825
Deferred tax assets 22,139,816 20,133,459
Other investments 153,529 153,529
TOTAL ASSETS 5,077,623,003 4,664,725,880
LIABILITIES AND EQUITY
LIABILITIES
Due to other banks 299,613,976 359,558,240
Deposits from customers 3,035,385,675 2,766,613,255
Other liabilities 84,695,728 80,619,149
Borrowings 793,880,658 616,064,141
Subordinated debts 106,900,000 109,400,000
Current income tax liabilities 13,854,436 35,697,545
Employee benefits 42,118,059 35,983,909
TOTAL LIABILITIES 4,376,448,532 4,003,936,239
EQUITY
Share capital 307,763,911 307,763,911
General reserves 238,722,359 238,722,359
Currency translation reserves (2,330,660) (2,082,409)
Other reserves (14,132,007) (14,132,007)
Retained earnings 167,202,080 126,886,969
  697,225,683 657,158,823
Minority interest 3,948,788 3,630,818
TOTAL EQUITY 701,174,471 660,789,641
TOTAL LIABILITIES AND EQUITY 5,077,623,003 4,664,725,880

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


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ACLEDA Bank Plc. Headquarters
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