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ACLEDA Bank Plc.
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Financial Highlights
Review of Interim Financial Information (CIFRS)

CONDENSED CONSOLIDATED INTERIM STATEMENT OF FINANCIAL POSITION

  31 Mar 2020 31 Dec 2019
US$ US$
ASSETS    
Cash on hand 427,901,695 421,527,238
Deposits and placements with other banks 587,541,690 587,730,531
Financial investments 402,622,350 527,474,976
Loans and advances, net 3,951,865,279 3,846,020,519
Other assets 18,339,320 17,529,833
Statutory deposits 572,158,139 587,336,099
Property and equipment 128,330,876 131,159,792
Intangible assets 8,039,026 8,998,993
Right-of-use assets 32,668,377 32,569,457
Deferred tax assets, net 15,588,758 14,814,354
TOTAL ASSETS 6,145,055,510 6,175,161,792
LIABILITIES AND EQUITY    
LIABILITIES    
Deposits and placements of other banks and financial institutions 307,068,414 285,175,145
Deposits from customers 4,039,075,192 4,082,722,853
Other liabilities 78,644,041 58,810,875
Borrowings 531,377,129 564,971,701
Subordinated debts 161,784,071 139,302,580
Current income tax liabilities 9,519,876 30,459,303
Lease liabilities 31,361,939 30,915,939
Employee benefits 19,384,977 18,341,796
TOTAL LIABILITIES 5,178,215,639 5,210,700,192
EQUITY    
Share capital 428,818,154 428,818,154
Reserves 503,677,612 414,748,726
Retained earnings 34,344,105 120,894,720
TOTAL EQUITY 966,839,871 964,461,600
TOTAL LIABILITIES AND EQUITY 6,145,055,510 6,175,161,792

CONDENSED CONSOLIDATED INTERIM STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME

For the three-month period ended

  31 Mar 2020 31 Mar 2019
US$ US$
Interest income calculated using the effective interest method 127,767,166 117,334,324
Interest expense (37,726,485) (37,321,429)
Net interest income 90,040,681 80,012,895
Fee and commission income 12,527,507 12,832,200
Fee and commission expense (729,761) (201,372)
Net fee and commission income 11,797,746 12,630,828
Allowances for impairment losses on loans and advances, deposits and placements with other banks and other receivables (2,397,488) (2,379,721)
Allowance for impairment losses on off-balance sheet commitments (13,009) (52,855)
Net impairment losses (2,410,497) (2,432,576)
Net income after allowance for impairment 99,427,930 90,211,147
Other incomes 4,198,056 3,116,845
General and administrative expenses (61,091,388) (55,105,075)
Profit before income tax 42,534,598 38,222,917
Income tax expenses (8,949,477) (9,136,351)
Profit for the year 33,585,121 29,086,566
Other comprehensive income:    
Items that will not be reclassified to profit or loss:    
Remeasurement of employee benefit obligations 785,629 722,568
Other comprehensive income for the period 785,629 722,568
Total comprehensive income for the year 34,370,750 29,809,134
Profit for the year attributable to:    
Owners of the Bank 33,585,121 29,086,566
Total comprehensive income attributable to:    
Owners of the Bank 34,370,750 29,809,134
ACLEDA Bank Plc. Headquarters
Registration No. 00003077
Address:#61, Preah Monivong Blvd., Sangkat Srah Chork, Khan Daun Penh, Phnom Penh, Cambodia. See map
P.O. Box:1149
Tel:023 998 777, 023 430 999
Fax:023 430 555
E-mail:acledabank@acledabank.com.kh
SWIFT Code:ACLBKHPP
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