Quarterly Financial Statements

Income Statement (Unaudited)

	2nd Quarter 2012 Amounts in LAK

Interest income	17,075,855,203
Interest expense	(4,974,582,566)
NET INTEREST INCOME	12,101,272,637

Fee and commission income	3,129,789,765
Other income	567,367,233
General and administrative expenses	(11,090,788,421)
OPERATING INCOME	4,707,641,214

Provision for bad and doubtful loans and advances	(980,636,702)
PROFIT BEFORE INCOME TAX	3,727,004,512
Income tax expense	-
NET PROFIT FOR THE PERIOD	3,727,004,512

	2nd Quarter 2012 Amounts in LAK
ASSETS
Cash and cash equivalents	31,113,231,704
Deposits and placements with other banks	37,180,836,228
Statutory deposits	63,647,502,522
Loans and advances	404,049,636,249
Specific provision	(2,125,189,174)
Other assets	10,425,268,923
Property and equipment - net	15,314,381,872
Intangible assets	6,899,292,645
TOTAL ASSETS	566,504,960,969

LIABILITIES
Deposits from customers and banks	309,363,035,928
Other liabilities	15,249,804,474
Borrowings	40,025,000,000
TOTAL LIABILITIES	364,637,840,402
EQUITY
Share capital	220,000,000,000
Legal reserves	965,163,891
General reserves	4,095,443,654
Accumulated losses	(23,193,486,982)
TOTAL SHAREHOLDERS' EQUITY	201,867,120,568
TOTAL EQUITY AND LIABILITIES	566,504,960,969

Note:

Please click here for quarterly financial reports in Laos.
The audited yearly financial statements are also available at audited financial reports page and you may find more detailed reports in our Annual Statements.

Address	:	#398, Corner of Dongpalane and Dongpina Road, Unit 20, Phonesavanh Neua Village, Sisattanak District, Vientiane Capital, Lao PDR. See map
P.O. Box	:	1555
Hotline	:	1800
Tel	:	+856 (0)21 264 994 / 416 999
Fax	:	+856 (0)21 264 995 / 219 228
E-mail	:	acledabank@acledabank.com.la
SWIFT Code	:	ACLBLALA