Quarterly Financial Statements

Income Statement (Unaudited)

	2^nd Quarter 2020 Amounts in LAK
INCOME AND EXPENSE IN BUSINESS
Interest income and similar	82.517.192.188
Interest expense and similar	(30.432.505.251)
NET INTEREST INCOME	52.084.686.937

Fee and commission income from financial service	27.407.943.629
Fee and commission expense from financial service	(279.056.219)
Gain or loss from foreign currency exchange	674.225.698
NET INCOME IN BUSINESS	79.887.800.045

NORMAL INCOME AND EXPENSE
Other income in business	5.056.580.054
Administration expense	(49.143.623.628)
Depreciation and amortize cost	(8.741.781.839)
Other expense in business	(4.307.371.904)
Net provision expense	(6.490.622.901)
NET NORMAL INCOME AND EXPENSE	(63.626.820.218)
INCOME BEFORE SPECIAL ITEMS	16.260.979.827
Incom tax expense	(3.202.704.728)
NET PROFIT	13.058.275.098

	2^nd Quarter 2020 Amounts in LAK
ASSETS
Cash and placement with BOL	396.934.422.023
Amount due from other banks	62.932.449.046
Loans and advances	1.181.612.132.683
Property and equipment — net	33.149.753.319
Other assets	22.293.772.414
TOTAL ASSETS	1.725.750.545.063

LIABILITIES
Amount due to other bank and financial institution	314.576.288.700
Amount due to customers	936.902.814.405
Other liabilities	76.206.206.473
Total liabilities	1.327.685.309.578
EQUITY
Share capital	340.000.000.000
Legal reserves	8.357.204.449
General reserves	5.434.698.934
Accumulated losses	31.215.057.005
Profit for the year	13.058.275.098
Total shareholders' equity	398.065.235.486
TOTAL EQUITY AND LIABILITIES	1.725.750.545.063

The audited yearly financial statements are also available at audited financial statements page and you may find more detailed reports in our Annual Reports.

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