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The Annual report of ACLEDA Bank Plc.'s Group in 2025

March 31, 2026 | Unofficial Translation

In 2025, the Group generated total revenue of KHR 3.82 trillion, an increase of KHR 294.71 billion or 8.37% compared to 2024 and profit attributable to owners of the Bank reached KHR 801.64 billion, an increase of KHR 308.26 billion or 62.48% year-on-year.

As at 31 December 2025, the Group had total assets of KHR 48.23 trillion, representing an increase of KHR 4.62 trillion or 10.59% compared to 2024 and total equity of owners of the Bank reached KHR 6.65 trillion, increasing by KHR 678.12 billion or 11.35% year-on-year.

Significant indicators of the year 2025 are as following:

• Return on average equity: 12.70%
• Return on average asset: 1.75%
• Interest income to total gross loan: 11.47%
• Operating expense to total gross loan: 4.16%
• Total gross loan to total asset: 63.53%
• Total gross loan to total deposit: 81.48%
• Non-performing Loan ratio (*): 5.94%
• Solvency ratio: 20.17%
• Liquidity coverage ratio: 414.05%

(*) Non-performing loan ratio = Contractual Principal Balance of Non-Performing Loan/Total Contractual Loan Principal Balance
Number of employees (the Bank and its subsidiaries): 13,280