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

February 11, 2021 | Unofficial Translation

The interim financial statements of ACLEDA Bank Plc.'s Group for Q4 2020 have been prepared in accordance with Cambodian International Financial Reporting Standards ("CIFRS").

For Q4 2020, ACLEDA Bank Plc.'s Group has total revenue of KHR 622.05 billion increased by KHR 55.86 billion or 9.87% compared to Q4-2019 and net profit of KHR175.27 billion increased by KHR 33.17 billion equivalent to 23.34% compared to the same period last year in Q4-2019.

As of ended 31 December 2020, ACLEDA Bank Plc.'s Group has total assets of KHR 26.50 trillion increased by KHR 1.34 trillion equivalent to 5.31% and total equity of KHR 4.41 trillion increased by KHR 477.35 billion equivalent to 12.15% compared to period ended December 2019.

Significant indicators of the fourth quarterly-2020 are as following:

• Return on average equity(*): 4.07%
• Return on average asset(*): 0.67%
• Interest income to total gross loan: 3.01%
• Operating expense to total gross loan: 1.31%
• Total gross loan to total asset: 68.79%
• Total gross loan to total deposit: 97.73%
• Total gross non-performing Loan (**)/total gross loan: 2.40%
• Solvency ratio: 25.16%
• Liquidity coverage ratio: 149.31%

(*) The ratio is not annualized and was calculated using the three-month period of total comprehensive income figures from 01 October to 31 December 2020.

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

Number of employees (the Bank and its subsidiaries): 13,704

Please refer to the attached files below for more details:

• Condensed Consolidated and Separate Interim Financial Statements for the three-month and twelve-month period ended 31 December 2020 and Independent Auditors' Report on Review of Interim Financial Information
• The Fourth Quarterly Report (End 31 December 2020)