Financial Highlights

Units in US$'000	31/12/20 Audited	31/12/19 Audited	31/12/18 Audited	31/12/17 Audited	31/12/16 Audited	Change (%) ¹
Consolidated Financial Results (CIFRS)
Assets	6,551,494	6,175,162	5,683,574	5,247,094	4,673,975	6.09%
Loans and Advances (net)	4,471,301	3,846,021	3,594,359	3,118,577	2,884,712	16.26%
Liabilities	5,461,868	5,210,700	4,830,734	4,496,871	3,996,657	4.82%
Deposits	4,611,296	4,367,898	3,864,455	3,358,968	3,155,516	5.57%
Share Capital	433,163	428,818	395,224	358,545	307,764	1.01%
Shareholders' Equity ²	1,089,626	964,462	852,840	745,661	673,641	12.98%
Gross Income	579,221	550,128	510,655	493,879	471,330	5.29%
Profit Before Income Tax	180,035	153,523	150,832	108,924	151,965	17.27%
Net Profit After Tax	141,493	120,860	119,314	86,766	122,923	17.07%
Earnings Per Share	$0.33	$0.29	$0.30	$0.24	$0.40	13.79%
Dividend ³	$0.0981	$0.0763	$0.1063	$0.1278	$0.2062	28.57%
Unconsolidated Financial Results (CIFRS)
Assets	6,379,484	6,017,303	5,567,595	5,123,428	4,569,928	6.02%
Loans and Advances (net)	4,292,649	3,686,579	3,459,566	2,970,967	2,755,666	16.44%
Liabilities	5,285,458	5,045,025	4,704,649	4,370,604	3,883,699	4.77%
Deposits	4,477,033	4,256,424	3,780,278	3,277,577	3,079,358	5.18%
Share Capital ⁴	433,163	428,818	395,224	358,545	307,764	1.01%
Shareholders' Equity ⁵	1,094,026	972,279	862,946	752,824	686,228	12.52%
Gross Income	537,756	514,933	482,317	462,465	443,919	4.43%
Profit Before Income Tax	172,154	148,226	146,565	99,784	146,172	16.14%
Net Profit After Tax	138,342	117,887	116,991	79,928	117,913	17.35%

Highlights of 2020 (The Group)

Assets rose 6.09% to US$6,551.49 million.
Loans (net) grew 16.26% to US$4,471.30 million.
Non-performing loans to total loans was contained at 2.40%.
Deposits increased by 5.57% to US$4,611.3 million.
Equity grew by 12.98% from US$964.46 million to US$1,089.63 million.
Net profit after tax was US$141.49 million.
Return on equity was 12.99%.
The Group had 319 offices operating in Cambodia, Lao PDR, and the Republic of the Union of Myanmar.

Note:

From 2019 to 2020.
Excluded non-controlling interests and subordinated debt.
Dividend distribution from 2016 to 2018 was distributed 20% as cash and 80% as share. In 2019 and 2020 was 100% (paid out in cash).
Share capital of ACLEDA Financial Trust and ASA, Plc. are shown:

Description	2020	2019	2018	2017	2016
AFT share (%)	25.7392%	26.0000%	26.0000%	26.0000%	25.1061%
AFT Number of Shares	111,492,719	111,492,719	102,758,267	93,221,689	77,267,575
ASA share (%)	24.7492%	25.0000%	25.0000%	25.0000%	25.8939%
ASA Number of Shares	107,204,547	107,204,547	98,806,034	89,636,246	79,692,026