»  Financial Information  »  Audited Financial Statements  »  For the year ended 2016

Audited Financial Statements

Consolidated Income Statement

For the year ended December 31, 2016

  2016 2015
  US$ KHR'000 US$ KHR'000
Interest income 411,925,807 1,662,944,483 354,656,851 1,436,360,247
Interest expense (124,702,772) (503,425,091) (97,959,648) (396,736,574)
Net interest income 287,223,035 1,159,519,392 256,697,203 1,039,623,673
Provision for loan losses (13,655,023) (55,125,328) (9,627,877) (38,992,902)
Net interest income after provision for loan losses 273,568,012 1,104,394,064 247,069,326 1,000,630,771
Fee and commission income 52,863,407 213,409,574 40,891,367 165,610,036
Fee and commission expense (4,736,575) (19,121,553) (2,031,314) (8,226,822)
Net fee and commission income 48,126,832 194,288,021 38,860,053 157,383,214
Other incomes 10,814,975 43,660,054 8,096,641 32,791,396
Personnel expenses (105,784,312) (427,051,268) (104,741,151) (424,201,662)
General and administrative expenses (42,142,228) (170,128,174) (37,515,682) (151,938,512)
Depreciation charges (22,888,987) (92,402,841) (16,189,545) (65,567,657)
Amortisation charges (3,311,079) (13,366,826) (2,988,362) (12,102,866)
  (163,311,631) (659,289,055) (153,338,099) (621,019,301)
Profit before income tax 158,383,213 639,393,030 132,591,280 536,994,684
Income tax expenses (31,014,485) (125,205,476) (27,131,477) (109,882,482)
Profit for the year 127,368,728 514,187,554 105,459,803 427,112,202
Attributable to:
Equity holders of the Bank 126,886,969 512,242,694 105,067,769 425,524,464
Minority interest 481,759 1,944,861 392,034 1,587,738
  127,368,728 514,187,555 105,459,803 427,112,202

Consolidated Balance Sheet

As at December 31, 2016

  2016 2015
  US$ KHR'000 US$ KHR'000
ASSETS
Cash on hand 286,216,621 1,155,456,499 236,521,227 957,910,969
Balances with the Central Bank 1,225,525,016 4,947,444,490 825,539,490 3,343,434,934
Balances with other banks 101,179,055 408,459,845 126,996,011 514,333,847
Loans and advances to customers 2,841,390,830 11,470,694,781 2,507,887,173 10,156,943,051
Other assets 51,987,525 209,873,638 40,088,348 162,357,811
Statutory deposits 307,159 1,240,001 246,914 1,000,000
Property and equipment 125,990,861 508,625,106 125,596,601 508,666,234
Intangible assets 11,841,825 47,805,448 10,817,185 43,809,600
Deferred tax assets 20,133,459 81,278,774 11,470,897 46,457,133
Other investments 153,529 619,797 153,529 621,792
TOTAL ASSETS 4,664,725,880 18,831,498,379 3,885,317,375 15,735,535,371
LIABILITIES AND EQUITY
LIABILITIES
Due to other banks 403,253,150 1,627,932,967 315,540,140 1,277,937,567
Deposits from customers 2,722,918,345 10,992,421,359 2,380,100,151 9,639,405,612
Other liabilities 80,619,149 325,459,505 76,910,470 311,487,404
Borrowings 616,064,141 2,487,050,937 424,119,562 1,717,684,226
Subordinated debts 109,400,000 441,647,800 91,000,000 368,550,000
Current income tax liabilities 35,697,545 144,110,989 26,442,852 107,093,551
Employee benefits 35,983,909 145,267,041 26,708,901 108,171,049
TOTAL LIABILITIES 4,003,936,239 16,163,890,598 3,340,822,076 13,530,329,409
EQUITY
Share capital 307,763,911 1,242,442,909 265,726,050 1,076,190,503
General reserves 238,722,359 963,722,163 186,188,631 754,063,956
Currency translation reserves (2,082,409) (8,406,685) (1,682,388) (6,813,671)
Other reserves (14,132,007) (57,050,912) (14,132,007) (57,234,628)
Retained earnings 126,886,969 512,242,694 105,067,769 425,524,464
  657,158,823 2,652,950,169 541,168,055 2,191,730,624
Minority interest 3,630,818 14,657,612 3,327,244 13,475,338
TOTAL EQUITY 660,789,641 2,667,607,781 544,495,299 2,205,205,962
TOTAL LIABILITIES AND EQUITY 4,664,725,880 18,831,498,379 3,885,317,375 15,735,535,371

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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ACLEDA Bank Plc. Headquarters
Registration No. 00003077
#61, Preah Monivong Blvd., Sangkat Srah Chork,
Khan Daun Penh, Phnom Penh, Cambodia.
P.O. Box: 1149
Tel: +855 (0)23 998 777 / 430 999
Fax: +855 (0)23 430 555
E-mail: acledabank@acledabank.com.kh
SWIFT Code: ACLBKHPP
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