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The third quarterly report 2024 of ACLEDA Bank Plc. Group

November 08, 2024 | Unofficial Translation

The interim financial statements of ACLEDA BANK PLC. and its subsidiaries (“the Group”) for Q3-2024 have been prepared in accordance with Cambodian International Financial Reporting Standards (“CIFRSs”).

For Q3-2024, the Group had Total Revenue of KHR 887.66 billion increased by KHR 29.88 billion equivalent to 3.48% and Profit Attributable to Owners of the Bank of KHR 75.81 billion decreased by KHR 89.21 billion equivalent to 54.06% compared to Q3-2023.

As of 30 September 2024, the Group had Total Assets of KHR 42.85 trillion increased by KHR 3.05 trillion equivalent to 7.66% and Equity attributable to owners of the Bank of KHR 5.81 trillion increased by KHR 185 billion equivalent to 3.29% compared to the end of 2023.

Significant indicators of the Third Quarterly Report (Q3-2024) are as following:

• Return on average equity (*): 1.31%
• Return on average assets (*): 0.18%
• Interest income to total gross loans: 2.92%
• Operating expense to total gross loans: 1.01%
• Total gross loan to total assets: 65.17%
• Total gross loan to total deposits: 84.73%
• Non-performing Loan ratio (**): 5.91%
• Solvency ratio: 18.31%
• Liquidity coverage ratio: 273.50%

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 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): 13,525