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Second quarterly report of ACLEDA Bank Plc.'s Group in 2020

August 14, 2020 | Unofficial Translation

The interim financial statements of ACLEDA Bank Plc.'s Group for Q2 2020 have been prepared in accordance with Cambodian International Financial Reporting Standards ("CIFRS").

For Q2 2020, ACLEDA Bank Plc.'s Group has total revenue of KHR 571.24 billion increased by KHR 5.97 billion equivalent to 1.06% and net profit of KHR123.81 billion increased by KHR 3.31 billion equivalent to 2.74% compared to the same period last year in Q2-2019.

As of ended 30 June 2020, ACLEDA Bank Plc.'s Group has total assets of KHR 25.25 trillion increased by KHR 85.56 billion equivalent to 0.34% and total equity of KHR4.14 trillion increased by KHR 209.36 billion equivalent to 5.33% compared to period ended December 2019.

Significant indicators of the Second quarterly (Q2-2020) report are as following:

• Return on average equity (*): 3.03%
• Return on average asset (*): 0.49%
• Interest income to total gross loan: 3.20%
• Operating expense to total gross loan: 1.37%
• Total gross loan to total asset: 63.43%
• Total gross loan to total deposit: 89.43%
• Total gross non-performing Loan (**)/total gross loan: 2.00%
• Solvency ratio: 25.76%
• Liquidity coverage ratio: 171.09%

(*) The ratio is not annualized and was calculated using the three-month period of total comprehensive income figures from 01 April to 30 June 2020.

(**) Non-performing loan = loan in stage 3

Number of employees (the Bank and its subsidiaries): 13,650

Please refer to the attached files below for more details:

• Condensed Consolidated and Separate Interim Financial Statements for the six-month period ended 30 June 2020 and Independent Auditors' Report on Review of Interim Financial Information
• The Second Quarterly Report (End 30 June 2020)