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

November 12, 2025 | Unofficial Translation

For Q3-2025, the Group recorded Total Revenue of KHR 947.09 billion, an increase of KHR 59.42 billion or 6.69% and Profit Attributable to Owners of the Bank of KHR 238.17 billion, an increase of KHR 162.36 billion or 214.17% compared to Q3-2024.

As of 30 September 2025, the Group had Total Assets of KHR 47.88 trillion, an increase of KHR 4.28 trillion or 9.80% and Equity attributable to owners of the Bank of KHR 6.46 trillion, an increase of KHR 482.88 billion or 8.08% compared to the end of 2024.

Significant indicators of the Third Quarterly Report (Q3-2025) are as following:

• Return on average equity (*): 3.76%
• Return on average assets (*): 0.51%
• Interest income to total gross loans: 3.02%
• Operating expense to total gross loans: 1.08%
• Total gross loan to total assets: 61.72%
• Total gross loan to total deposits: 79.42%
• Non-performing Loan ratio (**): 6.00%
• Solvency ratio: 18.52%
• Liquidity coverage ratio: 528.28%

(*) . 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 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): 13,380