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The First Quarterly Report 2024 of ACLEDA Bank Plc.

May 13, 2024 | Unofficial Translation

For Q1-2024, the Group had Total Revenue of KHR 863.22 billion increased by KHR 36.45 billion equivalent to 4.41% and Profit Attributable to Owners of the Bank of KHR 108.06 billion decreased by KHR 49.19 billion equivalent to 31.28% compared to Q1-2023.

As of 31 March 2024, the Group had Total Assets of KHR 40.69 trillion increased by KHR 885.60 billion equivalent to 2.22% and Total Equity of Owners of the Bank of KHR 5.66 trillion increased by KHR 40.33 billion equivalent to 0.72% compared to the end of 2023.

Significant indicators of the First Quarterly Report (Q1-2024) are as following:

• Return on average equity (*): 1.92%
• Return on average assets (*): 0.27%
• Interest income to total gross loans: 2.93%
• Operating expense to total gross loans: 1.06%
• Total gross loan to total assets: 66.83%
• Total gross loan to total deposits: 88.12%
• Non-performing Loan ratio (**): 5.66%
• Solvency ratio: 18.17%
• Liquidity coverage ratio: 217.79%

(*) . The ratio is not annualized and was calculated using the three-month period of Profit attributable to owners of the Bank figures from 01 January to 31 March 2024.

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 ratio = Contractual Principal Balance of Non-Performing Loan/Total Contractual Loan Principal Balance

Number of employees (the Group): 13,519