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 »  Financial Information  »  Audited Financial Statements  »  For the year ended 2015

Audited Financial Statements

Consolidated Income Statement

For the year ended December 31, 2015

  2015 2014
  US$ KHR'000 US$ KHR'000
Interest income 354,656,851 1,436,360,247 278,301,846 1,134,080,022
Interest expense (97,959,648) (396,736,574) (72,903,673) (297,082,467)
Net interest income 256,697,203 1,039,623,673 205,398,173 836,997,555
Allowance for loan losses (9,627,877) (38,992,902) (9,326,930) (38,007,240)
Net interest income after allowance for loan losses 247,069,326 1,000,630,771 196,071,243 798,990,315
Fee and commission income 40,891,367 165,610,036 31,920,469 130,075,911
Fee and commission expense (2,031,314) (8,226,822) (895,803) (3,650,397)
Net fee and commission income 38,860,053 157,383,214 31,024,666 126,425,514
Other income 8,096,641 32,791,396 6,717,798 27,375,027
Personnel expenses (104,741,151) (424,201,662) (81,129,588) (330,603,071)
General and administrative expenses (37,515,682) (151,938,512) (35,235,618) (143,585,143)
Depreciation charge (16,189,545) (65,567,657) (12,846,564) (52,349,748)
Amortisation charge (2,988,362) (12,102,866) (2,596,577) (10,581,051)
  (153,338,099) (621,019,301) (125,090,549) (509,743,986)
Profit before income tax 132,591,280 536,994,684 102,005,360 415,671,843
Income tax expenses (27,131,477) (109,882,482) (21,237,658) (86,543,456)
Profit for the year 105,459,803 427,112,202 80,767,702 329,128,387
Attributable to:
Equity holders of the Bank 105,067,769 425,524,464 80,369,228 327,504,605
Minority interest 392,034 1,587,738 398,474 1,623,782
  105,459,803 427,112,202 80,767,702 329,128,387

Consolidated Balance Sheet

As at December 31, 2015

  As at December 31, 2015 As at December 31, 2014
  US$ KHR'000 US$ KHR'000
ASSETS
Cash on hand 236,521,227 957,910,969 205,947,006 839,234,049
Balances with the NBC 825,539,490 3,343,434,934 602,566,016 2,455,456,515
Balances with other banks 126,996,011 514,333,847 140,636,998 573,095,767
Loans and advance 2,507,887,173 10,156,943,051 2,043,687,919 8,328,028,270
Other assets 40,729,248 164,953,456 31,590,404 128,730,898
Statutory deposits for SECC 246,914 1,000,000 245,399 1,000,000
Property and equipment 125,596,601 508,666,234 95,736,890 390,127,827
Intangible assets 10,817,679 43,811,600 10,213,547 41,620,204
Deferred tax assets 11,470,897 46,457,133 8,794,507 35,837,616
Other investments 153,529 621,792 353,529 1,440,631
TOTAL ASSETS 3,885,958,769 15,738,133,016 3,139,772,215 12,794,571,777
LIABILITIES AND EQUITY
LIABILITIES
Due to other banks 315,540,140 1,277,937,567 266,517,620 1,086,059,302
Deposits from customers 2,380,100,151 9,639,405,612 2,003,372,911 8,163,744,612
Other liabilities 77,551,864 314,085,049 55,619,797 226,650,673
Borrowings 424,119,562 1,717,684,226 215,137,155 876,683,907
Subordinated debts 91,000,000 368,550,000 118,500,000 482,887,500
Provision for income tax 26,442,852 107,093,551 21,558,935 87,852,660
Employee benefits 26,708,901 108,171,049 17,917,141 73,012,350
TOTAL LIABILITIES 3,341,463,470 13,532,927,054 2,698,623,559 10,996,891,004
EQUITY
Share capital 265,726,050 1,076,190,503 225,535,605 919,057,590
General reserves 186,188,631 754,063,956 146,009,848 594,990,131
Currency translation reserves (1,682,388) (6,813,671) (416,044) (1,695,379)
Other reserves (14,132,007) (57,234,628) (14,132,007) (57,587,929)
Retained earnings 105,067,769 425,524,464 80,369,228 327,504,604
  541,168,055 2,191,730,624 437,366,630 1,782,269,017
Minority interest of subsidiaries 3,327,244 13,475,338 3,782,026 15,411,756
TOTAL EQUITY 544,495,299 2,205,205,962 441,148,656 1,797,680,773
TOTAL LIABILITIES AND EQUITY 3,885,958,769 15,738,133,016 3,139,772,215 12,794,571,777

Note:

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

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E-mail: cmc@acledabank.com.kh

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