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

February 11, 2026 | Unofficial Translation

For Q4-2025, the Group recorded Total Revenue of KHR 996.22 billion, an increase of KHR 99.15 billion or 11.05% and Profit Attributable to Owners of the Bank of KHR 200.81 billion, an increase of KHR 8.40 billion or 4.36% compared to Q4-2024.

As of 31 December 2025, the Group had Total Assets of KHR 48.23 trillion, an increase of KHR 4.62 trillion or 10.59% and Equity attributable to owners of the Bank of KHR 6.65 trillion, an increase of KHR 678.12 billion or 11.35% compared to the end of 2024.

Significant indicators of the fourth Quarterly Report (Q4-2025) are as following:

• Return on average equity (*): 3.06%
• Return on average assets (*): 0.42%
• Interest income to total gross loans: 2.97%
• Operating expense to total gross loans: 1.09%
• Total gross loan to total assets: 63.53%
• Total gross loan to total deposits: 81.48%
• Non-performing Loan ratio (**): 5.94%
• Solvency ratio: 20.17%
• Liquidity coverage ratio: 414.05%

(*) . 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 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): 13,280