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ACLEDA Bank Plc.
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First Quarterly Report in 2020

CONDENSED CONSOLIDATED INTERIM STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE THREE-MONTH PERIOD ENDED 31 MARCH 2020

  For the three-month period ended
31 Mar 2020
US$
31 Mar 2019
(Not reviewed)
US$
31 Mar 2020
KHR'000
31 Mar 2019
(Not reviewed)
KHR'000
Interest income calculated using the effective interest method 127,767,166 117,334,324 519,117,995 469,219,962
Interest expense (37,726,485) (37,321,429) (153,282,709) (149,248,395)
Net interest income 90,040,681 80,012,895 365,835,286 319,971,567
Fee and commission income 12,527,507 12,832,200 50,899,261 51,315,968
Fee and commission expense (729,761) (201,372) (2,965,019) (805,287)
Net fee and commission income 11,797,746 12,630,828 47,934,242 50,510,681
Allowances for impairment losses on loans and advances, deposits and placements with other banks and other receivables (2,397,488) (2,379,721) (9,740,994) (9,516,504)
Allowance for impairment losses on off-balance sheet commitments (13,009) (52,855) (52,856) (211,367)
Net impairment losses (2,410,497) (2,432,576) (9,793,850) (9,727,871)
Net income after allowance for impairment 99,427,930 90,211,147 403,975,678 360,754,377
Other incomes 4,198,056 3,116,845 17,056,702 12,464,263
General and administrative expenses (61,091,388) (55,105,075) (248,214,309) (220,365,195)
Profit before income tax 42,534,598 38,222,917 172,818,071 152,853,445
Income tax expenses (8,949,477) (9,136,351) (36,361,724) (36,536,268)
Profit for the period 33,585,121 29,086,566 136,456,347 116,317,177
Other comprehensive income:        
Items that will not be reclassified to profit or loss:        
Remeasurement of employee benefit obligations 785,629 722,568 3,192,007 2,889,549
Items that are or may be reclassified subsequently to profit or loss:        
Currency translation differences - - (363,875) 237,495
Other comprehensive income for the period 785,629 722,568 2,828,132 3,127,044
Total comprehensive income for the period 34,370,750 29,809,134 139,284,479 119,444,221
Profit for the period attributable to:        
Owners of the Bank 33,585,121 29,086,566 136,456,347 116,317,177
Non-controlling interests - - - -
  33,585,121 29,086,566 136,456,347 116,317,177
Total comprehensive income attributable to:        
Owners of the Bank 34,370,750 29,809,134 139,284,479 119,444,221
Non-controlling interests - - - -
  34,370,750 29,809,134 139,284,479 119,444,221

CONDENSED CONSOLIDATED INTERIM STATEMENT OF FINANCIAL POSITION
AS AT 31 MARCH 2020

  31 Mar 2020
US$
31 Dec 2019
US$
31 Mar 2020
KHR'000
31 Dec 2019
KHR'000
ASSETS        
Cash on hand 427,901,695 421,527,238 1,741,559,899 1,717,723,495
Deposits and placements with other banks 587,541,690 587,730,531 2,391,294,678 2,395,001,914
Financial investments 402,622,350 527,474,976 1,638,672,965 2,149,460,527
Loans and advances, net 3,951,865,279 3,846,020,519 16,084,091,686 15,672,533,615
Other assets 18,339,320 17,529,833 74,641,032 71,434,070
Statutory deposits 572,158,139 587,336,099 2,328,683,626 2,393,394,603
Property and equipment 128,330,876 131,159,792 522,306,665 534,476,153
Intangible assets 8,039,026 8,998,993 32,718,836 36,670,896
Right-of-use assets 32,668,377 32,569,457 132,960,294 132,720,537
Deferred tax assets, net 15,588,758 14,814,354 63,446,245 60,368,494
TOTAL ASSETS 6,145,055,510 6,175,161,792 25,010,375,926 25,163,784,304
LIABILITIES AND EQUITY        
LIABILITIES        
Deposits and placements of other banks and financial institutions 307,068,414 285,175,145 1,249,768,445 1,162,088,716
Deposits from customers 4,039,075,192 4,082,722,853 16,439,036,031 16,637,095,626
Other liabilities 78,644,041 58,810,875 320,081,247 239,654,316
Borrowings 531,377,129 564,971,701 2,162,704,915 2,302,259,682
Subordinated debts 161,784,071 139,302,580 658,461,169 567,658,014
Current income tax liabilities 9,519,876 30,459,303 38,745,895 124,121,660
Lease liabilities 31,361,939 30,915,939 127,643,092 125,982,451
Employee benefits 9,384,977 18,341,796 78,896,856 74,742,819
TOTAL LIABILITIES 5,178,215,639 5,210,700,192 21,075,337,650 21,233,603,284
EQUITY        
Share capital 428,818,154 428,818,154 1,745,289,888 1,747,433,978
Reserves 503,677,612 414,748,726 2,066,888,945 1,708,085,266
Retained earnings 34,344,105 120,894,720 122,859,443 474,661,776
TOTAL EQUITY 966,839,871 964,461,600 3,935,038,276 3,930,181,020
TOTAL LIABILITIES AND EQUITY 6,145,055,510 6,175,161,792 25,010,375,926 25,163,784,304

Note:

  • These financial statements are audited by KPMG Cambodia Ltd.
  • Please click here for full reports.
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