Quarterly Financial Statements

Income Statement (Unaudited)

	4th Quarter 2012 Amounts in LAK

Interest income	21,362,062,163
Interest expense	(7,914,506,670)
NET INTEREST INCOME	13,447,555,493

Fee and commission income	3,877,737,796
Other income	3,504,638,158
General and administrative expenses	(12,795,712,206)
OPERATING INCOME	8,034,219,241

Provision for bad and doubtful loans and advances	(1,758,101,561)
PROFIT BEFORE INCOME TAX	6,276,117,680
Income tax expense	(941,477,200)
NET PROFIT FOR THE PERIOD	5,334,640,480

	4th Quarter 2012 Amounts in LAK
ASSETS
Cash and cash equivalents	49,074,701,356
Deposits and placements with other banks	68,005,594,845
Statutory deposits	66,520,239,795
Loans and advances	522,843,300,569
Specific provision	(4,118,594,905)
Other assets	12,899,932,557
Property and equipment - net	16,530,816,505
Intangible assets	6,528,857,357
TOTAL ASSETS	738,284,848,079

LIABILITIES
Deposits from customers and banks	418,639,465,983
Other liabilities	20,035,581,418
Borrowings	87,582,000,000
TOTAL LIABILITIES	526,257,047,401
EQUITY
Share capital	220,000,000,000
Legal reserves	963,218,635
General reserves	5,167,036,240
Accumulated losses	(14,102,454,197)
TOTAL SHAREHOLDERS' EQUITY	212,027,800,678
TOTAL EQUITY AND LIABILITIES	738,284,848,079

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