Financial Markets Summary Q4 2022

APPENDIX 7 | USSF&I - ABA ABA Summary Results - Q4 2022 (SMM) Q4 22 Q3 22 Q4 21 QoQ YOY Revenues 179 168 139 7% 29% Non-Interest Expenses 58 55 45 5% 29% Pre-Tax/Pre-Provisions 121 113 94 7% 29% PCL 12 10 3 Net Income 86 81 72 6% 19% Avg Loans & Receivables 8,040 7,577 5,890 6% 37% Avg Deposits 9,343 8,722 7,351 7% 27% Efficiency Ratio (¹) (%) 32.4% 32.7% 32.4% Number of clients ('000) 1,888 1,713 1,360 10% 39% ABA Loans and Deposits Growth (US $MM) 7,045 6,819 6,607 6,213 5,857 5,499 5,185 4,813 5,924 6,061 5,572 5,127 4,693 4,335 4,049 3,674 ■ Revenues of $179M reflecting balance sheet growth and favourable FX Revenues up 29% YoY (19% in US$) Loans up 37% YoY (29% in US$) Continued investment in the franchise while maintaining a low efficiency ratio ■ Solid credit position ■ Well diversified portfolio; Avg. loan US $61k Portfolio 99% secured; Low average LTVs: ~40% Deferrals: represent <1% of portfolio Impaired PCL of $12M, driven by the end of deferral programs Strong brand recognition ABA BANK CAMBODIA Q1 21 Q2 21 Q3 21 Q4 21 Average loans Q1 22 Q2 22 Average deposits Q3 22 Q4 22 Brim Caplen (1) Represents a supplementary financial measure. See slide 2. The Banker Awards 2021 л EUROMONEY Advanced Bank of Ind has won the award for Cambodia's best bank ABB was amanded Global F Workt Best Bank Awan 3000 BANK AWARD BEST FINANCE 26 202

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