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Annual Report 2020

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Annual Report 2020 ANNUAL REPORT 2020 CONTENTS 2020 Financial Highlights...............................................01 Highlights Logo and Brand Story.........................................................03 Vision, Mission and Core Values....................................04 01 2020 Financial Highlights Recap the History of the Bank........................................05 Board Chairman’s Message..............................................06 04 Vision, Mission and Core Values .....................................10 Board of Directors-Brief Profile 14 Management Team-BriefStructure...................................................... Profile...................................20 05 Recap the History of the Bank Report of the Board of Directors...................................21 Corporate Governance.......................................................22 25 Our Products Internal Control and Risk Management.....................24 Our Products..........................................................................25 Our Customers......................................................................30 43 Independent Auditor’s Report Corporate Social Responsibility 2020........................34 Director’s Report.................................................................38 Independent Auditor’s Report......................................43 76 Keys Partners Keys Partners.......................................................................76 Bank’s Address....................................................................79 2020 Financial Highlights 1 Total Bank assets increased 60% to USD 37.70 Millions. 2 The gross loan portfolio grew 61% to USD 29.50 Millions. 3 Operating Incomes increased 101% to USD 2.76 Millions. 4 Total tax expenses increased 112% to USD 0.42 Millions. 5 6 TheNon-performing Bank made profits loan ratio after was tax 1.39%. of USD 1.09 Millions. 7 Established a new Branch in Khan Kamboul, namely Daun Penh Specialized Bank Plc. Kamboul Branch. 8 Changed bank name to Daun Penh Specialized Bank Plc., with new logo. 9 Increased Capital at the amount of 3 million US dollars. 10 Changed the composition of the Board of Directors from 3 to 5 members. DAUNDAUN PENH PENH Specialized Specialized Bank Bank Plc. Plc. ANNUALANNUAL REPORT REPORT 2020 2020 101 2020 Financial Highlights (Continued) Loan to Customer and Non-Performing Loan Ratio Pro�it for the Financial Year and 35 1.69% Taxes1.20 & Licenses Expenses 30 0.42 1.00 1.39% USD Millions 25 USD Millions 0.80 20 1.16% 15 0.60 0.20 10 0.40 5 0.20 0 0.05 2018 2019 2020 0.00 2018 2019 2020 Loan to Customer Non-Performing Loan Ratio Pro�it for the Financial Year Taxes & Licenses Expenses 37.70 Operation Income 40Total Bank Assets 3.0 2.76 35 2.5 30 USD Millions USD Millions 23.54 2.0 25 1.37 1.5 20 13.00 15 1.0 0.58 10 0.5 5 0.0 0 2018 2019 2020 2018 2019 2020 022 DAUN PENH Specialized Bank Plc. ANNUAL REPORT 2020 Logo and Brand Story Daun Penh Specialized Bank Plc. (the “DP Bank”) is named after the well-known Khmer ancestor “Daun Penh”, founder of “Phnom Daun Penh” in 1372, which later renamed as “Phnom Penh”, the current capital of the Kingdom of Cambodia. Additionally, Daun Penh district is a collection of large administrative, economic, IT and all kinds of commercial center including: Ministry of Economy and Finance, Ministry of Posts and Telecommunications, Council for the Development of Cambodia, National Bank of Cambodia, Phnom Penh Municipality, Central Market, and many high-rise commercial centers. It also consists national cultural centers such as the Royal Palace, National Museum, Independence Monument, Wat Phnom, etc. of significant The well-established logo of the DP Bank is comprised of four elements: 1. Square : Represents the Chaktomuk River, the wonders of Phnom Penh’s geographical location, and the four directions in which the bank envisions to promote its reputation to target customers, to be their top minded 2.bank Naga when : they need financial services. Represents the dragon bridge of Wat Phnom. The bridge represented the means of connecting the economic, commercial and financial activities of the public in that era. Compared to current day, it represents power of control and protection of the interests of customers, employees, shareholders, business partners and the financial means provided by the bank to the customers. In other words, Naga also symbolizes excellence, the community. 3. Letter “D” and “P”: Stands as the abbreviations for “Daun Penh” in English. 4. The color of the Cambodian flag : Is used as the color reference. In this sense, red stands for power, excellence and good fortune, white represents transparency and simplicity, while blue represents integrity, loyalty, professionalism and trust. DAUN PENH Specialized Bank Plc. ANNUAL REPORT 2020 033 Vision, Mission and Core Values VISION To be a top of mind bank in providing simple, tailored financial solutions. MISSION Providing customers with our expertise in financial services at an affordable price and the best possible customer experiences. Assuring reasonable returns to all stakeholders and surrounding communities by, leveraging distribution channels and innovative technology solutions. CORE VALUES SIMPLICITY INNOVATION We strongly believe in quality, We strongly believe that in- conditions easy to work, understand novation is very crucial in continuing for our customers, employees and all the success we see in our bank. We encourage stakeholders. In all our thought process, everybody to speak out their thoughts, ideas anything we do,we change or invent, and, experiment with new ideas or concepts. We it will be simple. We are simple, are keen to learn from all our mistakes and however strict, and very continue to improve upon ourselves, committed. INTEGRITY to achieve an outstanding We strongly believe in the positive outcome. value of honesty and strong moral principles at any time or any given situation. It’s our choice to uphold ourselves to a consistent standard, operating with full transparency ACCOUNTABILITY and accountability when CONFIDENTIALITY We are highly committed on conducting our We are highly committed on developing We closely take care of the developing our professional com- business. our professional competence for our employees; petence for our employees; to perform to perform the duties inprofessional manner. We parties involved in a transaction with the duties in professional manner. We are privacy and con�identiality of all the are accountable for all our actions towards our us; as this allows us to add value for our accountable for all our actions towards customers, shareholders,stakeholders, and customers whilst maintaining and our customers,shareholders, stakeholders, communities as a whole. We believe preserving our customers and communities as a whole. We that accountability is the best interest. believe that accountability is key to success and t the key to success and rustworthiness. trustworthiness. 044 DAUN PENH Specialized Bank Plc. ANNUAL REPORT 2020 DAUN PENH Specialized Bank Plc. ANNUAL REPORT 2020 Recap the History of the Bank The Bank is currently 100% owned by local shareholder called “Daun Penh Land Co., Ltd”. On 23 January 2007, CAMKO Bank Limited was incorporated by Korean shareholders under the business registration number Co-3374/07E. On 23 May 2007, the Bank obtained a license from the National Bank of Thereafter, the Bank decided to downsize the Bank’s operations to Specialized Bank with new license from NBCCambodia number (“NBC”) SB-09 to effective operate from as a commercial01 July 2011. bank, and officially commenced operations on 01 June 2007. In late 2018, the shareholders of the Bank entered into Share Sale and Purchase Agreement (SSPA) to wholly sell the Bank to Daun Penh Land Co., Ltd. The transaction got approval from NBC on 05 June 2018 Theand ratifiedBank has amended been approved Memorandum and licensed Article of by Associations the National (“MoA”) Bank ofon Cambodia22 October to 2018. carry out specialized banking operation under the new name “Daun Penh Specialized Bank Plc” by License No. SB-09 dated 27 April 2020 and under the business registration number 00017370 dated 16 July 2020. The Bank operates in Phnom Penh and Kandal Province through its branches. In addition, the Bank commits to expand banking operations through alternative channel networks in many allowable business models in order to provide better customers’ experiences and to expand the outreach. DAUNDAUN PENHPENH SpecializedSpecialized BankBank Plc.Plc. ANNUALANNUAL REPORTREPORT 20202020 505 Board Chairman’s Message “2020 was a very challenging year, not only for Cambodia but also for the whole world due to the COVID- 19 pandemic. It caused a severe economic downturn, job losses and even closing down some businesses across many industries. Even with these challenges, Daun Penh Specialized Bank Plc. is still able to position itself advantageously within our journey of transformation.” The year began with many difficulties as the global by the pandemic. With all these efforts from the economy continues to suffer from the impacts of government, the banking sector is still operating the COVID-19 pandemic. Domestically there are in a controllable manner. signs that economic activity is beginning to pick up. The economy is projected to grow by 3.5% in During the pandemic Daun Penh Specialized Bank 2021 compared to the contraction of 1.9% that is Plc. continues its lending operations as normal, in expected by the end of 2020. order to support the needs
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