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navigate_nextFinancial Informationnavigate_nextFinancial Highlights
Financial Highlights
Consolidated Financial Results (CIFRS)
| Units in US$ Million | 31/12/24 Audited |
31/12/23 Audited |
31/12/22 Audited |
31/12/21 Audited |
31/12/20 Audited |
Change (%) 1 |
|---|---|---|---|---|---|---|
| Assets | 10,834 | 9,744 | 9,031 | 7,855 | 6,551 | 11.18% |
| Loans and Advances (net) | 7,023 | 6,602 | 6,379 | 5,394 | 4,471 | 6.38% |
| Liabilities | 9,344 | 8,362 | 7,715 | 6,650 | 5,462 | 11.74% |
| Deposits | 8,359 | 7,228 | 6,389 | 5,716 | 4,611 | 15.65% |
| Share Capital | 433 | 433 | 433 | 433 | 433 | - |
| Shareholders' Equity 2 | 1,484 | 1,376 | 1,311 | 1,199 | 1,090 | 7.85% |
| Gross Income | 865 | 828 | 744 | 637 | 579 | 4.50% |
| Profit Before Income Tax | 154 | 184 | 228 | 205 | 180 | -16.55% |
| Net Profit After Tax 3 | 121 | 148 | 182 | 167 | 141 | -18.14% |
| Earnings Per Share | 0.28$ | 0.34$ | 0.42$ | 0.39$ | 0.33$ | -17.65% |
| Dividend 4 | - | 140.4795៛ | 685.8985៛ | 548.6405៛ | 0.0981$ | - |
Unconsolidated Financial Results (CIFRS)
| Units in US$ Million | 31/12/24 Audited |
31/12/23 Audited |
31/12/22 Audited |
31/12/21 Audited |
31/12/20 Audited |
Change (%) 1 |
|---|---|---|---|---|---|---|
| Assets | 10,677 | 9,606 | 8,918 | 7,695 | 6,379 | 11.15% |
| Loans and Advances (net) | 6,862 | 6,457 | 6,246 | 5,232 | 4,293 | 6.27% |
| Liabilities | 9,186 | 8,213 | 7,587 | 6,486 | 5,285 | 11.85% |
| Deposits | 8,218 | 7,102 | 6,280 | 5,583 | 4,477 | 15.72% |
| Share Capital 5 | 433 | 433 | 433 | 433 | 433 | - |
| Shareholders' Equity 6 | 1,490 | 1,393 | 1,331 | 1,209 | 1,094 | 7.01% |
| Gross Income | 829 | 792 | 705 | 595 | 538 | 4.69% |
| Profit Before Income Tax | 146 | 172 | 217 | 202 | 172 | -15.46% |
| Net Profit After Tax | 116 | 138 | 173 | 162 | 138 | -16.08% |
Highlights of 2024 (The Group)
- Assets rose 11.18% to US$10,834 million.
- Loans (net) grew 6.38% to US$7,023 million.
- Non-performing loans to total loans was contained at 5.47%.
- Deposits increased by 15.65% to US$8,359 million.
- Equity grew by 7.85% from US$1,376 million to US$1,484 million.
- Net profit after tax was US$121 million.
- Return on equity was 8.17%.
- The Group had 321 offices operating in Cambodia, Lao PDR, and the Republic of the Union of Myanmar.
Note:
- From 2023 to 2024.
- Excluded non-controlling interests and subordinated debts.
- Excluded non-controlling interests.
- Dividend distribution from 2020 to 2023 was 100% paid out in cash.
- Share capital of ACLEDA Financial Trust (AFT) and Legalized from ASA, Plc. are shown:
- Excluded subordinated debts.
| Description | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| AFT share (%) | 28.3251% | 28.0443% | 27.1422% | 25.7392% | 25.7392% |
| AFT Number of Shares | 122,694,061 | 121,477,368 | 117,569,958 | 111,492,719 | 111,492,719 |
| Legalized from ASA share (%) | 5.7524% | 5.7524% | 5.7524% | 20.7492% | 24.7492% |
| Legalized ASA Number of Shares | 24,916,808 | 24,916,808 | 24,916,808 | 89,878,026 | 107,204,547 |
