[Disclosure] The Second Quarterly Report 2026 of ACLEDA Bank Plc. (Unofficial Translation)

For Q2-2026, the Group recorded Total Revenue of KHR 1,012.54 billion, an increase of KHR 70.97 billion or 7.54% and Profit Attributable to Owners of the Bank of KHR 220.04 billion, an increase of KHR 29.04 billion or 15.20% compared to Q2-2025.

As of 30 June 2026, the Group had Total Assets of KHR 48.57 trillion, an increase of KHR 340.76 billion or 0.71% and Equity attributable to owners of the Bank of KHR 6.82 trillion, an increase of KHR 173.37 billion or 2.61% compared to the end of 2025.

Significant indicators of the Second Quarterly Report (Q2-2026) are as following:

Return on average equity (*) : 3.23%

Return on average assets (*) : 0.45%

Interest income to total gross loans: 2.93%

Operating expense to total gross loans: 1.06%

Total gross loan to total assets: 65.41%

Total gross loan to total deposits: 82.88%

Non-performing Loan ratio (**) : 6.85%

Solvency ratio: 18.53%

Liquidity coverage ratio: 391.02%

(*) . 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 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): 13,292

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