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The First Quarterly Report 2026 of ACLEDA Bank Plc. and its Subsidiaries (Group)

May 11, 2026 | Unofficial Translation

For Q1-2026, the Group recorded Total Revenue of KHR 983.77 billion, an increase of KHR 70.91 billion or 7.77% and Profit Attributable to Owners of the Bank of KHR 184.18 billion, an increase of KHR 12.58 billion or 7.33% compared to Q1-2025.

As of 31 March 2026, the Group had Total Assets of KHR 48.24 trillion, an increase of KHR 15.35 billion or 0.03% and Equity attributable to owners of the Bank of KHR 6.81 trillion, an increase of KHR 158.21 billion or 2.38% compared to the end of 2025.

Significant indicators of the fourth Quarterly Report (Q1-2026) are as following:

• Return on average equity (*): 2.74%
• Return on average assets (*): 0.38%
• Interest income to total gross loans: 2.90%
• Operating expense to total gross loans: 1.06%
• Total gross loan to total assets: 64.55%
• Total gross loan to total deposits: 82.33%
• Non-performing Loan ratio (**): 6.18%
• Solvency ratio: 18.94%
• Liquidity coverage ratio: 368.93%

(*) . The ratio is not annualized and was calculated using the three-month period of Profit attributable to owners of the Bank figures from 01 January to 31 March 2026.

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): 13,250