Quarterly Financial Statements

Income Statement (Unaudited)

	3rd Quarter 2016 Amounts in LAK

Interest income	33,480,939,286
Interest expense	(13,835,480,899)
NET INTEREST INCOME	19,645,458,387

Fee and commission income	14,044,445,687
Other income	3,499,461,904
General and administrative expenses	(27,459,808,004)
OPERATING INCOME	9,729,557,974

Provision for bad and doubtful loans and advances	(2,729,195,559)
PROFIT BEFORE INCOME TAX	7,000,362,415
Income tax expense	-
NET PROFIT FOR THE PERIOD	7,000,362,415

	3rd Quarter 2016 Amounts in LAK
ASSETS
Cash and cash equivalents	86,408,897,320
Deposits and placements with other banks	135,082,848,813
Statutory deposits	20,322,271,195
Loans and advances	964,871,554,918
Specific provision	(9,303,618,763)
Other assets	20,828,637,228
Property and equipment - net	24,158,191,229
Intangible assets	7,818,215,475
TOTAL ASSETS	1,250,186,997,414

LIABILITIES
Deposits from customers and banks	690,804,599,932
Other liabilities	72,274,773,926
Borrowings	200,104,927,944
Total liabilities	963,184,301,803
EQUITY
Share capital	300,000,000,000
General reserves	9,573,821,486
Accumulated losses	(22,571,125,874)
Total shareholders' equity	287,002,695,612
TOTAL EQUITY AND LIABILITIES	1,250,186,997,414

Note:

Please click here for quarterly financial statements in Laos.
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