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The Second Quarterly Report 2024 of ACLEDA BANK PLC. and its Subsidiaries (Group)

August 13, 2024 | Unofficial Translation

For Q2-2024, the Group had Total Revenue of KHR 873.88 billion increased by KHR 29.66 billion equivalent to 3.51% and Profit Attributable to Owners of the Bank of KHR 116.34 billion decreased by KHR 19.35 billion equivalent to 14.26% compared to Q2-2023.

As of 30 June 2024, the Group had Total Assets of KHR 42.01 trillion increased by KHR 2.20 trillion equivalents to 5.53% and Equity attributable to owners of the Bank of KHR 5.80 trillion increased by KHR 179.32 billion equivalent to 3.19% compared to the end of 2023.

Significant indicators of the Second Quarterly Report (Q2-2024) are as following:

• Return on average equity (*): 2.03%
• Return on average assets (*): 0.28%
• Interest income to total gross loans: 2.95%
• Operating expense to total gross loans: 1.07%
• Total gross loan to total assets: 65.75%
• Total gross loan to total deposits: 86.65%
• Non-performing Loan ratio (**): 5.78%
• Solvency ratio: 18.31%
• Liquidity coverage ratio: 227.11%

(*) . The ratio is not annualized and was calculated using the three-month period of Profit attributable to owners of the Bank figures from 01 April to 30 June 2024.

ROAE = profit for the period attributable to owners of the Bank / average equity attributable to 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): 13,530