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The quarterly report of ACLEDA Bank Plc.'s Group for Q4-2023

February 9, 2024 | Unofficial Translation

The interim financial statements of ACLEDA Bank Plc. and its subsidiaries ("the Group") for Q4-2023 have been prepared in accordance with Cambodian International Financial Reporting Standards ("CIFRSs").

For Q4-2023, the Group had Total Revenue of KHR 874.10 billion increased by KHR 69.95 billion equivalent to 8.70% and Profit Attributable to Owners of the Bank of KHR 150.52 billion decreased by KHR 50.90 billion equivalent to 25.27% compared to Q4-2022.

As of 31 December 2023, the Group had Total Assets of KHR 39.80 trillion increased by KHR 2.62 trillion equivalent to 7.05% and Total Equity of Owners of the Bank of KHR 5.62 trillion increased by KHR 225.27 billion equivalent to 4.17% compared to Q4-2022.

Significant indicators of the Fourth Quarterly Report (Q4-2023) are as following:

• Return on average equity (*): 2.70%
• Return on average assets (*): 0.38%
• Interest income to total gross loans: 2.95%
• Operating expense to total gross loans: 1.02%
• Total gross loan to total assets: 68.32%
• Total gross loan to total deposits: 92.11%
• Total gross non-performing loans (**)/total gross loans: 6.39%
• Solvency ratio: 18.45%
• Liquidity coverage ratio: 180.13%

(*) The ratio is not annualized and was calculated using the three-month period of Profit attributable to owners of the Bank figures from 01 October to 31 December 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): 13,503