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The Second Quarterly Report 2025 of ACLEDA Bank Plc. and its Subsidiaries (Group)

August 11, 2025 | Unofficial Translation

For Q2-2025, the Group recorded Total Revenue of KHR 941.57 billion, an increase of KHR 67.69 or 7.75% and Profit Attributable to Owners of the Bank of KHR 191 billion, an increase of KHR 74.66 billion or 64.17% compared to Q2-2024.

As of 30 June 2025, the Group had Total Assets of KHR 46.30 trillion, an increase of KHR 2.69 trillion or 6.17% and Equity attributable to owners of the Bank of KHR 6.22 trillion, an increase of KHR 243.61 billion or 4.08% compared to the end of 2024.

Significant indicators of the Second Quarterly Report (Q2-2025) are as following:

• Return on average equity (*): 3.10%
• Return on average assets (*): 0.41%
• Interest income to total gross loans: 2.98%
• Operating expense to total gross loans: 1.08%
• Total gross loan to total assets: 63.53%
• Total gross loan to total deposits: 81.64%
• Non-performing Loan ratio (**): 5.72%
• Solvency ratio: 18.40%
• Liquidity coverage ratio: 415.86%

(*) . 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 2025.

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): 13,411