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 »  Financial Information  »  Audited Financial Statements  »  For the year ended 2013

Audited Financial Statements

Income Statement

Consolidated Income Statement for the year ended December 31, 2013

  2013 2012
  US$ KHR'000 US$ KHR'000
Interest income 237,497,998 948,804,502 199,024,998 795,104,867
Interest expense (56,730,782) (226,639,474) (43,601,347) (174,187,381)
Net interest income 180,767,216 722,165,028 155,423,651 620,917,486
Provision for loan losses (6,223,095) (24,861,265) (5,360,365) (21,414,658)
Net interest income after provision for loan losses 174,544,121 697,303,763 150,063,286 599,502,828
Fee and commission income 27,590,443 110,223,820 25,576,740 102,179,076
Fee and commission expense (736,385) (2,941,858) (385,319) (1,539,349)
Net fee and commission income 26,854,058 107,281,962 25,191,421 100,639,727
Other income 6,081,431 24,295,317 1,741,267 6,956,362
Personnel expenses (65,827,056) (262,979,089) (61,558,230) (245,925,129)
General and administrative expenses (29,868,262) (119,323,707) (25,962,471) (103,720,072)
Depreciation charge (7,872,314) (31,449,894) (6,023,769) (24,064,957)
Amortisation charge (2,423,475) (9,681,783) (1,590,027) (6,352,158)
  (99,909,676) (399,139,156) (93,393,230) (373,105,954)
Profit before income tax 101,488,503 405,446,569 81,861,477 327,036,601
Income tax expenses (20,583,240) (82,230,044) (15,949,457) (63,718,081)
Profit for the year 80,905,263 323,216,525 65,912,020 263,318,520
Attributable to:
Equity holders of the Bank 79,717,179 318,470,130 65,002,550 259,685,187
Minority interest 1,188,084 4,746,396 909,470 3,633,333
  80,905,263 323,216,526 65,912,020 263,318,520

Balance Sheet

Consolidated Balance Sheet as at December 31, 2013

  2013 2012
  US$ KHR'000 US$ KHR'000
ASSETS
Cash on hand 154,488,282 617,180,687 148,733,920 594,192,010
Balances with the Central Bank 530,170,936 2,118,032,889 381,520,245 1,524,173,379
Balances with other banks 101,696,748 406,278,508 99,221,998 396,391,882
Loans and advances to customers 1,527,679,732 6,103,080,529 1,294,788,955 5,172,681,875
Other assets 26,358,512 105,302,255 21,866,948 87,358,457
Statutory deposits 250,313 1,000,000 250,313 1,000,000
Property and equipment 51,165,264 204,405,230 19,184,930 76,643,795
Intangible assets 9,980,335 39,871,438 10,602,075 42,355,290
Deferred tax assets 5,646,981 22,559,689 6,310,037 25,208,598
Other investments 353,529 1,412,348 263,529 1,052,798
  2,407,790,632 9,619,123,573 1,982,742,950 7,921,058,084
LIABILITIES
Due to other banks 193,611,138 773,476,496 82,425,576 329,290,176
Deposits from customers 1,515,985,264 6,056,361,130 1,425,325,419 5,694,175,049
Other liabilities 49,371,503 197,239,154 43,355,440 173,204,982
Borrowings 125,945,910 503,153,910 58,549,145 233,903,834
Subordinated debts 108,500,000 433,457,500 65,207,468 260,503,835
Provision for income tax 15,838,311 63,274,052 16,196,734 64,705,952
Employee benefits 12,293,543 49,112,704 25,059,021 100,110,789
  2,021,545,669 8,076,074,946 1,716,118,803 6,855,894,617
EQUITY
Share capital 185,671,857 741,759,069 113,169,560 452,112,392
General reserves 106,156,417 424,094,886 73,990,090 295,590,410
Currency translation reserve (934,005) (3,731,350) 315,423 1,260,115
Retained earnings 79,717,179 318,470,130 64,668,624 258,351,153
  370,611,448 1,480,592,735 252,143,697 1,007,314,070
Minority interest of subsidiaries 15,633,515 62,455,892 14,480,450 57,849,397
  386,244,963 1,543,048,627 266,624,147 1,065,163,467
  2,407,790,632 9,619,123,573 1,982,742,950 7,921,058,084

Note:

  • You may find the detail audited financial statements in our annual reports.
  • These financial statements are audited by PricewaterhouseCoopers (Cambodia) Ltd.

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+855 (0)15 999 233
inquiry@acledabank.com.kh

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