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ACLEDA Bank Plc.
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homenavigate_nextFinancial Informationnavigate_nextAudited Financial Statementsnavigate_nextThird Quarterly Report in 2020

Third Quarterly Report in 2020

CONDENSED CONSOLIDATED INTERIM STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE NINE-MONTH PERIOD ENDED 30 SEPTEMBER 2020

  For the nine-month period ended
30 Sep 2020
US$
30 Sep 2019
(Not reviewed)
US$
30 Sep 2020
KHR'000
30 Sep 2019
(Not reviewed)
KHR'000
Interest income calculated using the effective interest method 380,240,956 361,209,624 1,554,805,269 1,479,514,620
Interest expense (112,744,096) (117,760,113) (461,010,609) (482,345,423)
Net interest income 267,496,860 243,449,511 1,093,794,660 997,169,197
Fee and commission income 33,940,230 36,630,889 138,781,600 150,040,121
Fee and commission expense (1,189,683) (589,718) (4,864,614) (2,415,485)
Net fee and commission income 32,750,547 36,041,171 133,916,986 147,624,636
Allowances for impairment losses on loans and advances, deposits and placements with other banks and other receivables (19,748,490) (20,879,283) (80,751,576) (85,521,543)
Allowance for impairment losses on off-balance sheet commitments 34,426 198,339 140,768 812,397
Net impairment losses (19,714,064) (20,680,944) (80,610,808) (84,709,146)
Net income after allowance for impairment 280,533,343 258,809,738 1,147,100,838 1,060,084,687
Other incomes 11,977,211 12,936,035 48,974,816 52,985,999
General and administrative expenses (167,127,358) (162,594,595) (683,383,767) (665,987,461)
Profit before income tax 125,383,196 109,151,178 512,691,887 447,083,225
Income tax expenses (27,017,753) (23,265,566) (110,475,591) (95,295,758)
Profit for the period 98,365,443 85,885,612 402,216,296 351,787,467
Other comprehensive income:        
Items that will not be reclassified to profit or loss:        
Remeasurement of employee benefit obligations (289,677) 60,785 (1,184,489) 248,971
Items that are or may be reclassified subsequently to profit or loss:        
Currency translation differences - - 4,101,202 6,225,753
Other comprehensive income for the period (289,677) 60,785 2,916,713 6,474,724
Total comprehensive income for the period 98,075,766 85,946,397 405,133,009 358,262,191
Profit for the period attributable to:        
Owners of the Bank 98,365,443 85,885,612 402,216,296 351,787,467
Non-controlling interests - - - -
  98,365,443 85,885,612 402,216,296 351,787,467
Total comprehensive income attributable to:        
Owners of the Bank 98,075,766 85,946,397 405,133,009 358,262,191
Non-controlling interests - - - -
  98,075,766 85,946,397 405,133,009 358,262,191
The earnings per share attributable to shareholders of Bank during the period are as follows:
Basic earnings per share 0.23 0.21 0.94 0.88
Diluted earnings per share 0.23 0.21 0.94 0.88

CONDENSED CONSOLIDATED INTERIM STATEMENT OF FINANCIAL POSITION
AS AT 30 SEPTEMBER 2020

  30 Sep 2020
US$
31 Dec 2019
US$
30 Sep 2020
KHR'000
31 Dec 2019
KHR'000
ASSETS        
Cash on hand 458,596,003 421,527,238 1,880,243,612 1,717,723,495
Deposits and placements with other banks 609,942,274 587,730,531 2,500,763,323 2,395,001,914
Financial investments 629,957,453 527,474,976 2,582,825,557 2,149,460,527
Loans and advances, net 4,102,152,879 3,846,020,519 16,818,826,804 15,672,533,615
Other assets 19,415,618 17,529,833 79,604,034 71,434,070
Statutory deposits 356,208,800 587,336,099 1,460,456,080 2,393,394,603
Property and equipment 129,388,347 131,159,792 530,492,223 534,476,153
Intangible assets 15,177,759 8,998,993 62,228,812 36,670,896
Right-of-use assets 31,130,886 32,569,457 127,636,633 132,720,537
Deferred tax assets, net 13,154,585 14,814,354 53,933,799 60,368,494
TOTAL ASSETS 6,365,124,604 6,175,161,792 26,097,010,877 25,163,784,304
LIABILITIES AND EQUITY        
LIABILITIES        
Deposits and placements of other banks and financial institutions 374,502,590 285,175,145 1,535,460,619 1,162,088,716
Deposits from customers 4,151,567,795 4,082,722,853 17,021,427,960 16,637,095,626
Other liabilities 65,542,508 58,810,875 268,724,283 239,654,316
Borrowings 477,978,393 564,971,701 1,959,711,411 2,302,259,682
Subordinated debts 176,980,558 139,302,580 725,620,288 567,658,014
Current income tax liabilities 21,829,367 30,459,303 89,500,405 124,121,660
Lease liabilities 30,338,631 30,915,939 124,388,387 125,982,451
Employee benefits 19,616,850 18,341,796 80,429,085 74,742,819
TOTAL LIABILITIES 5,318,356,692 5,210,700,192 21,805,262,438 21,233,603,284
EQUITY        
Share capital 433,163,019 428,818,154 1,775,968,378 1,747,433,978
Share premiums 11,706,215 - 47,995,482 -
Reserves 503,822,912 414,748,726 2,086,429,505 1,708,085,266
Retained earnings 98,075,766 120,894,720 381,355,074 474,661,776
TOTAL EQUITY 1,046,767,912 964,461,600 4,291,748,439 3,930,181,020
TOTAL LIABILITIES AND EQUITY 6,365,124,604 6,175,161,792 26,097,010,877 25,163,784,304

Note:

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