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Fourth Quarterly Report 2024 of ACLEDA Bank Plc.'s Group

February 12, 2025 | Unofficial Translation

For Q4-2024, the Group had Total Revenue of KHR 897.07 billion increased by KHR 22.97 billion equivalent to 2.63% and Profit Attributable to Owners of the Bank of KHR 192.41 billion increased by KHR 41.89 billion equivalent to 27.83% compared to Q4-2023.

As of 31 December 2024, the Group had Total Assets of KHR 43.61 trillion increased by KHR 3.80 trillion equivalent to 9.55% and Equity attributable to owners of the Bank of KHR 5.97 trillion increased by KHR 352.28 billion equivalent to 6.27% compared to the end of 2023.

Significant indicators of the Fourth Quarterly Report (Q4-2024) are as following:

• Return on average equity (*): 3.27%
• Return on average assets (*): 0.45%
• Interest income to total gross loans: 2.96%
• Operating expense to total gross loans: 1.05%
• Total gross loan to total assets: 65.71%
• Total gross loan to total deposits: 85.17%
• Non-performing Loan ratio (**): 5.47%
• Solvency ratio: 18.64%
• Liquidity coverage ratio: 250.76%

(*) . 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 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): 13,454