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The third quarterly report 2023 of ACLEDA Bank Plc. Group

November 10, 2023 | Unofficial Translation

For Q3-2023, the Group had Total Revenue of KHR 857.79 billion increased by KHR 81.25 billion equivalent to 10.46% and Profit Attributable to Owners of the Bank of KHR 165.02 billion decreased by KHR 38.08 billion equivalent to 18.75% compared to Q3-2022.

As of 30 September 2023, the Group had Total Assets of KHR 38.74 trillion increased by KHR 4.22 trillion equivalent to 12.23% and Total Equity of Owners of the Bank of KHR 5.53 trillion increased by KHR 327.04 billion equivalent to 6.29% compared to Q3-2022.

Significant indicators of the Third Quarterly Report (Q3-2023) are as following:

• Return on average equity: 3.02%
• Return on average assets: 0.42%
• Interest income to total gross loans: 2.89%
• Operating expense to total gross loans: 1.01%
• Total gross loan to total assets: 69.90%
• Total gross loan to total deposits: 94.99%
• Total gross non-performing loans/total gross loans: 5.64%
• Solvency ratio: 18.26%
• Liquidity coverage ratio: 205.65%

The ratio is not annualized and was calculated using the three-month period of Profit attributable to owners of the Bank figures from 01 July to 30 September 2023.

• ROAE = profit for the period attributable to owners of the Bank / average total equity of owners of the Bank.
• ROAA = profit for the period attributable to owners of the Bank / average total assets.
• Non-performing loan = loan in stage 3
• Number of employees (the Group): 13,579