爱喜利达银行三季度税后利润6712万美元 同比增14%
分类金融
事件时间2026-09-30
地点金边
来源Cambodia Investment Review
发布时间2026/11/13 09:26
详情描述
爱喜利达银行集团2026年第三季度（7月至9月）实现税后利润2715.2亿瑞尔，约合6712万美元，较去年同期增长14.05%。前三季度累计税后利润为1.6776亿美元。董事长金索提薇在季度致辞中确认了该季度利润数字，相关数据由柬埔寨投资评论报道。
利润增长主要来自利息业务。集团总收入同比增长10.37%，达1.05万亿瑞尔；净利息收入增长18.32%至6808.1亿瑞尔，其中利息收入增加8.61%，利息支出下降8.99%。净其他收入从去年同期的72.9亿瑞尔增至293.5亿瑞尔。自2025年底以来，集团贷款组合增加4.7721亿美元。报告将收入增长归因于客户数量增加以及银行产品和服务的表现。
资产质量方面，截至2026年9月30日，集团不良贷款率为6.94%，高于2025年底的5.94%，九个月内上升1个百分点。不良率上行通常反映部分借款人还款能力下降，银行对新增贷款的审批可能趋于严格。对储户而言，存款安全性不受直接影响，但存款利率与贷款条件可能随资产质量变化而调整。
金索提薇在致辞中称，在外部不确定性、边境紧张局势和能源成本上升的背景下，柬埔寨经济仍持续展现韧性。该行此前被列入《福布斯》“2026年全球表现最佳银行”榜单。
在柬经营的企业和个人，可留意该行下一季度披露的不良率是否继续上行，以及随之调整的贷款审批标准与存款利率；已有贷款的企业宜核对自身还款安排和合同条款，评估利息支出变化。
📋 简要摘要 ▸
爱喜利达银行集团2026年第三季度税后利润达2715.2亿瑞尔（约6712万美元），同比增长14.05%，主要受利息收入上升与融资成本下降推动。截至9月30日不良贷款率为6.94%，高于2025年底的5.94%。董事长金索提薇在季度致辞中称，柬埔寨经济在外部不确定性、边境紧张与能源成本上升背景下仍保持韧性。
📋 完整原文 ▸
[来源: CIR] [分类提示: NEWS]
标题: ACLEDA Bank Q3 2026 Profit Rises 14% to $67M as Higher Interest Income and Lower Funding Costs Boost Earnings, NPL Ratio Reaches 6.94%
Cambodia Investment Review
ACLEDA Bank and its subsidiaries recorded a third-quarter 2026 profit after tax of KHR271.52 billion (US$67.12 million), up 14.05% from the same period last year. The Group’s non-performing loan (NPL) ratio stood at 6.94% at September 30, compared with 5.94% at the end of 2025.
In her quarterly message, Chairwoman Kim Sotheavy said the Group “reaped a profit of US$67.12 million” in July, August and September. Profit for the first nine months of 2026 reached US$167.76 million.
Higher Interest Income Drives Profit Growth
Total revenue increased 10.37% year on year to KHR1.05 trillion. Net interest income rose 18.32% to KHR680.81 billion, supported by an 8.61% increase in interest income and an 8.99% decrease in interest expense.
Read More: ACLEDA Bank Plc is Proud to be a Cambodian bank that has been included in Forbes’ “World’s Top Performing Banks 2026” ranking.
The Group’s loan portfolio had grown by US$477.21 million since the end of 2025. The report linked revenue growth to customer gains and the performance of its banking products and services. Net other income also increased to KHR29.35 billion from KHR7.29 billion a year earlier.
Sotheavy wrote that Cambodia’s economy had “continued to demonstrate resilience” despite external uncertainty, border tensions and higher energy costs. The report also described th