Quarterly Financial Statements

Income Statement (Unaudited)

	3rd Quarter 2012 Amounts in LAK

Interest income	19,064,768,375
Interest expense	(6,790,086,340)
NET INTEREST INCOME	12,274,682,035

Fee and commission income	2,638,203,639
Other income	1,865,448,520
General and administrative expenses	(11,679,664,819)
OPERATING INCOME	5,098,669,375

Provision for bad and doubtful loans and advances	(1,289,245,958)
PROFIT BEFORE INCOME TAX	3,809,423,417
Income tax expense	-
NET PROFIT FOR THE PERIOD	3,809,423,417

	3rd Quarter 2012 Amounts in LAK
ASSETS
Cash and cash equivalents	37,558,555,388
Deposits and placements with other banks	85,118,342,980
Statutory deposits	63,889,133,837
Loans and advances	455,662,415,305
Specific provision	(3,038,026,765)
Other assets	10,906,246,074
Property and equipment - net	16,414,138,797
Intangible assets	6,774,934,606
TOTAL ASSETS	673,285,740,222

LIABILITIES
Deposits from customers and banks	361,956,093,762
Other liabilities	17,466,565,787
Borrowings	87,813,000,000
TOTAL LIABILITIES	467,235,659,549
EQUITY
Share capital	220,000,000,000
Legal reserves	963,218,642
General reserves	4,492,432,212
Accumulated losses	(19,405,570,182)
TOTAL SHAREHOLDERS' EQUITY	206,050,080,672
TOTAL EQUITY AND LIABILITIES	673,285,740,222

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