Annual Report 2013

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ANNUAL REPORT

2013

CONTENTS

HIGHLIGHT ON KEY ACHIEVEMENTS ......................................................................................................................................................................... MESSAGE FROM CHAIRPERSON ...................................................................................................................................................................................... MESSAGE FROM CHIEF EXECUTIVE OFFICER ......................................................................................................................................................... CHAMROEUN AT A GLANCE ............................................................................................................................................................................................
VISION, MISSION,AND COREVALUES .....................................................................................................................................................
OPERATIONAL PERFORMANCE .......................................................................................................................................................................................

134589

OPERATIONAL COVERAGE ............................................................................................................................................................................. SCALING UP OUTREACHTO MORE POOR HOUSEHOLDS ................................................................................................. NEW FINANCING INITIATIVESTO HELPTHE POOR ADDRESSTHEIRVULNERABILITIES ................................. NEW MICROINSURANCE SCHEME FOR BETTER HEALTHTREATMENT ......................................................................

910 11 13

SOCIAL PERFORMANCE ........................................................................................................................................................................................................

14

SOCIO-ECONOMIC SERVICES FOR MORE MEANINGFUL IMPACTS ............................................................................... SOCIAL PERFORMANCE MONITORING ............................................................................................................................................... EXTENDING CHAMROEUN’S ACTIVITIES BEYOND SOCIAL MICROFINANCE .......................................................

14 16 17

REVISED STRATEGIC PLAN FOR 2013-2017 ............................................................................................................................................................. GOVERNANCE ..............................................................................................................................................................................................................................

18 19

SHAREHOLDERS AND SHAREHOLDING STRUCTURE .............................................................................................................. BOARD OF DIRECTORS ...................................................................................................................................................................................... KEY ACTIVITIES OF OUR SPECIALIZED COMMITTEES ................................................................................................................. EXECUTIVETEAM .................................................................................................................................................................................................... EXPANDING STRUCTURE FOR BETTER SERVICE QUALITY AND INNOVATIONS ...............................................

19 21 22 23 24

STAFF DEVELOPMENT .............................................................................................................................................................................................................

26 26 27 28 29

BUILDING UP OUR HUMAN CAPITAL:A KEY PRIORITY ........................................................................................................... MOTIVATION, INSPIRATION,AND EMPOWERMENTTHROUGH REWARDS AND - SUCCESSION PLANNING .................................................................................................................................................................................

RECOGNITION AND AWARDS ........................................................................................................................................................................................ AUDITED FINANCIAL STATEMENTS .............................................................................................................................................................................
REPORT OF BOARD OF DIRECTORS ....................................................................................................................................................... REPORT OFTHE INDEPENDENT AUDITORS ..................................................................................................................................... BALANCE SHEET ..................................................................................................................................................................................................... INCOME STATEMENT .......................................................................................................................................................................................... STATEMENT OF CASH FLOW ........................................................................................................................................................................ STATEMENT OF CHANGES IN EQUITY ..................................................................................................................................................

29 33 35 36 37 38

RATIONALE BEHIND OUR CHOSEN CORPORATE “PINK” COLOR AND LOGO ...................................................................... NETWORKS AND PARTNERSHIPS ................................................................................................................................................................................... OFFICE ADDRESSES......................................................................................................................................................................................................................

39 41

42

HIGHLIGHT ON KEY ACHIEVEMENTS

OPERATIONAL PERFORMANCE

Operating Provinces

Operating Districts

2011

9

2012

13

2013

14

  • 51
  • 72

83

Operating Communes OperatingVillages

  • 341
  • 505

577

1,936
12
2,969
14

3,620
15

Main Branches

  • District Branches
  • 3
  • 7

24

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  • 9
  • 14

-

  • Active Borrowers
  • 27,900

12,980
667,300
163
41,480 20,269
727,300
213

52,419 25,199
784,100
333

Gross Loan Portfolio (KHR’Million) Average Loan Disbursed (KHR) Staff

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  • 84
  • 102

164

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Portfolio at Risk (30 Days) Write-off Ratio

  • 332
  • 407

320

0.05% 0.06%
0.05% 0.02%

0.33% 0.05%

ANNUAL REPORT 2013

1

SOCIAL PERFORMANCE

Female Borrower Ratio

2011

81.2% 12.6% 75.2% 19.0% 22.2%
0.6%

2012

85.4% 12.6% 70.8% 26.3% 18.2%
1.9%

2013

83.5% 12.4% 72.3% 22.4% 23.3%
1.7%

Average Loan Portfolio as % GNI per Capita Partner Loyalty Rate % Female Staff % Female Management % Staff with Disability

  • Staff Turnover Ratio
  • 9.9%
  • 10.8%

44,148 37,933

16.5%
11,080
1,952

Participants to Financial Literacy and BusinessTraining Participants toTraining on SocialTopics.
44,663 49,701

FINANCIAL PERFORMANCE

Total Asset (KHR’Million) Total Equity (KHR’Million)

2IXꢀ4VS½XꢀEJXIVꢀ8E\IW (KHR’000)

PorfolioYield

  • 2011
  • 2012
  • 2013

31,041
7,034

17,627
2,914
24,874
5,535
465,826
49.8%
108.1%
2.4%
149,790
43.5%
103.5%
0.4%

373,486
47.1%
104.2%
1.6%

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Return on Assets2

  • Return on Equity2
  • 11.6%
  • 2.2%

6.8%

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2

ANNUAL REPORT 2013

MESSAGE

MS. HÉLÈNE KERAUDREN

FROM CHAIRPERSON

Chamroeun continued to serve strong social objectives in 2013 by combining growth in outreach with new products and services to better address its partners’ needs. By

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serves, the institution now reaches out to more than 52,000 active borrowers in 14 provinces of Cambodia. The focus remains, as always, on poorer households, with a range of affordable and adapted products and services.
All these developments and achievements will be further consolidated in 2014 as Chamroeun remains committed

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partners to help them succeed in their ventures.

I

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active support; I trust that the strong social values shared at all levels of the organisation will continue to make

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New developments in 2013 have allowed Chamroeun to bring innovative and ever more complete services to its partners: access to a microinsurance provider to cover

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daily lighting and cooking needs; access to USD loans to save on transaction and conversion costs.
Yours sincerely
Socio-economic services have also been further developed with a community based approach, bringing training to the doorsteps of our partners. More socio-

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have boosted the outreach of these services, as well as satisfaction from partners who enjoy these workshops.

HÉLÈNE KERAUDREN

Board Chairperson

  • 'LEQVSIYRꢀ1MGVS½RERGIꢀ0MQMXIH

The success and very identity of Chamroeun lie in its strong social mission and the will to make a difference

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diagnosis conducted with Entrepreneurs du Monde, as

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picture on the achievements and remaining improvements for the institution. Moreover, in its will to always place

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process on the Client Protection Principles.

1 Chamroeun calls its clients « partners » to underline its concern for the success of its clients in improving their livelihoods.

3

ANNUAL REPORT 2013

MESSAGE

MR. SUON SOPHEA

FROM CHIEF EXECUTIVE OFFICER

“2013 was a wonderful year for us. Even some major

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the garment sector, and political deadlock, we survived

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semi-urban areas of some more provinces such as Pursat, Kampong Chhnang, and Prey Veng in addition to the

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the results, active borrowers and gross loan portfolio increased by 26% and 24% respectively whereas PAR 30 was still in a good condition at 0.33%.The service points also grew up to 40 with 333 committed staff serving more than 52,000 poor households.We remained focus

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to other MFIs in Cambodia-120 USD per partner.
Furthermore,we are also proud of recent developments our complementary socio-economic services as a re-

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rolled out across all service points with the support of

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2013, more than 10,000 partners and non-partners

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and business management, and we strongly hope that the application of these topics will contribute to an

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and complementary socio-economic services, we started providing scholarship awards to 84 students from partner

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generations to have more access to education. With

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  • to scale up this program in the upcoming years.
  • To meet the needs of our partners along with the

efforts to help them reduce vulnerabilities, new products and services were developed, tested, and introduced. With the support of its Foundation which was created late 2011, we were able to introduce a new health microinsurance scheme, under a partnership with PRÉVOIR (KAMPUCHEA) MICRO-LIFE INSURANCE PLC, PKMI. As of December 2013, 1,924 partners and 455 of their household members were insured by this program.Also, USD loan were also made available to the institution’s partners, who are transacting in USD, to help reduce transaction and coversion costs.

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stakeholders, board of directors, lenders, regulators, and beloved staff for their contribution to help Chamroeun

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the poor liberate themselves from poverty, and I hope you will strongly support us in the upcoming years.Your

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to make positive and lasting changes to the poor.
Financing clean energy solutions such as solar kits and

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under a project called“Access to Clean Energy Program”,

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daily energy consumption, and it also contributes to the promotion of environmentally friendly products.
Yours Sincerely,

SUON SOPHEA

'LMIJꢀ)\IGYXMZIꢀ3J½GIV

  • 'LEQVSIYRꢀ1MGVS½RERGIꢀ0MQMXIH

4

ANNUAL REPORT 2013

CHAMROEUN AT A GLANCE

Chamroeun was founded by Entrepreneurs du Monde, a French NGO, as a development program in early 2006 with a focus on serving the poor within and surrounding Phnom Penh areas through the provision of adapted loans, savings, and microinsurance services. The very

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places in the capital city to address the needs of the small market stallholders, ambulant vendors, and other small scale business activities.

2005

Noting the large underserved poor communities in Phnom Penh, Entrepreneurs du Monde, a French NGO, signed an agreement with Phnom Penh Municipality and Cambodian Ministry of Foreign Affairs to start up a

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namely as “Chamroeun” (“prosperity” in Khmer) to aim

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socio-economic services to poor households living in Phnom Penh’s urban depressed areas.

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the institution’s operational and institutional sustainability. The institution opened an average 3 branches per year

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To comply with regulations, in 2009, Chamroeun was

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the National Bank of Cambodia as a registered credit

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and successfully achieved all requirements to become

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Cambodia in 2011.

2006

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market places in Phnom Penh to address the needs of small market stallholders, ambulant vendors, and other small scale business activities.The institution also started a partnership with GRET’s SKY project to provide health microinsurance to its partners. This scheme offered a complete health coverage to Chamroeun’s partners and their household members, to insure access to doctors, hospitals, and pharmaceutical drugs.

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operational activities to some main provincial towns in 2009. Currently, the institution is covering 14 provinces across Cambodia mainly in areas surrounding Tonle Sap

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ANNUAL REPORT 2013

5

2007 2009

Chamroeun launched a wide range of complementary socio-economic services, including various business and

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that there are urban depressed areas beyond Phnom

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Kandal province through a new branch set up.
To comply with regulations, Chamroeun was registered with the Ministry of Commerce as a company with two shareholders namely Entrepreneurs du Monde and Mr. Humbert Garreau de Labarre. The institution was

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of Cambodia. Furthermore, Chamroeun also established two more new branches in Battambang and Siem Reap provinces.

2008 2010

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and surrounding Phnom Penh areas through additional

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Kampong Cham province with an additional new branch set up. Further, to address our partner’s challenges in relation to distance between their destinations and the

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created to bring the available services closer to them. The institution also brought on board another new

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ANNUAL REPORT 2013

6

2011 2013

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Two additional new branches were launched in Banteay Meanchey and KampongThom provinces aligned with the institution’s strategic plan. Chamroeun fully complied with all requirements from the National Bank of Cambodia and

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an important step within the institutional development. A Foundation was initiated to create more synergy with the institution to help the poor address their challenges

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and a new provincial town of Pursat. Chamroeun also

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microinsurance scheme, USD loans, and clean energy loan to help its partners address their vulnerabilities.

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scholarship awards to 84 children of the partners through its Foundation. Moreover, additional paid-up

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to continue sustaining the growth of the institution’s activities.

2012

To sustain the growth of Chamroeun’s activities, a capital increase was done early 2012 bringing three new shareholders with whom Chamroeun already has

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continued to two additional new provinces, Takeo and Kampot. Socio-economic services were also re-adapted to the needs of Chamroeun’s partners. Particularly, the training method was initially changed from compulsory

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participatory at the community level with the modules mainly focused on Financial Literacy.

ANNUAL REPORT 2013

7

  • Vision
  • Mission

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working to achieve positive and lasting changes in the livelihoods of economically active poor families in a socially responsible manner ”

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of poor families in Cambodia by providing them a wide

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socio-economic services”

CoreValues

Integrity:ꢀ 'LEQVSIYRꢀ TVSZMHIWꢀ QMGVS½RERGIꢀ ERHꢀ

complementary socio-economic services to the poor to enhance their well-being. It achieves this ethically and with transparent, fair, and cost effective methods.
Fair practices: At Chamroeun, we ensure that the services we provide to our partners as well as the interactions we have with other stakeholders are not unethical or deceptive. We are committed to building relationships that are based on respect, fair treatments, and courtesy.

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  • Ministry of Commerce ្រពឹត ិប្រតផ ូវក រ សបា ហ៍ទី ៣០-៣៥ ៃនឆា

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  • Final Report

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  • Results of NGO Surveys on Issues on DMS

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    Results and Recommendations: NR1 (Phnom Penh to Neak Loeung) DMS Assessment Results and Recommendations Based on DMS Assessment Conducted by Affectees of the Planned Project to Improve Cambodia’s National Route 1 Phnom Penh to Neak Loeung Section (Funding under Consideration by the Government of Japan) Resettlement Action Network (RAN) A Network of the NGO Forum on Cambodia Kingdom of Cambodia October 2005 Resettlement Action Network (RAN) 1 Results and Recommendations: NR1 (Phnom Penh to Neak Loeung) DMS Assessment TABLE OF CONTENTS Executive Summary 3 CHAPTER 1 Outline of the Study 5 1.1. Background 5 1.2. Objectives of the affectees’ DMS assessment 5 1.3. Data gathering methods 5 1.4. Scope and limitation 6 1.5. Outline of the report 6 CHAPTER 2 Findings from Quantitative Analysis on PAPs’ Response 8 2.1. Issue regarding insufficient information recorded on a DMS receipt 8 2.2. Issue regarding limitations in the structure classification 9 2.3. Issue regarding miscalculation/asset depreciation 10 2.4. Issue regarding insufficiently informing PAPs about a substitute land 11 2.5. Issue regarding missing items in measurement 11 CHAPTER 3 Findings from Qualitative Analysis on PAP Interview 13 3.1. Examples 13 3.2. Additional issues and findings 16 CHAPTER 4 Recommendations 17 APPENDIX A Summary Table of Quantitative Analysis 19 APPENDIX B Sample Detailed Measurement Survey (DMS) Questionnaire 21 Resettlement Action Network (RAN) 2 Results and Recommendations: NR1 (Phnom Penh to Neak Loeung) DMS Assessment Executive Summary After having screened 502 questionnaires filled in and collected by villagers (PAPs) affected by Cambodia’s National Route 1 (NR1) project to renovate the Phnom Penh to Neak Loeung section, living in 15 villages across 5 communes of 2 districts in Kandal Province, 174 sample responses (representing 6 villages in 5 communes in 2 districts) were analyzed in depth with the purpose to assess the detailed measurement survey (DMS) conducted by Cambodian Government’s Inter-Ministerial Resettlement Committee (IRC).
  • Address of ACLEDA Bank Plc. 

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    Address of ACLEDA Bank Plc. NO. OFFICE NAME OFFICE TYPE ADDRESS TEL / FAX / E-MAIL VARIATION 1 HEADQUARTERS HQ (OPD) #61, Preah Monivong Blvd., Sangkat Srah Chork, Tel: (855) 23 430 999 / 998 777 (OPERATION DIVISION) Khan Daun Penh, Phnom Penh. Fax: (855) 23 430 555 / 998 666 P.O. Box: 1149 E-mail: [email protected] Website: www.acledabank.com.kh SWIFT Code: ACLBKHPP For Customer Inquiry Call: Tel: (855) 23 994 444 (855) 15 999 233 E-mail: [email protected] OPERATION DIVISION Tel: (855) 23 998 357 Fax: (855) 15 900 444 E-mail: [email protected] 2 SIEM REAP PB #1,2,3 & 4 , Sivatha Street, Phum Mondul 2 , Tel: (855) 63 963 251 / 660 Sangkat Svay Dangkum, Krong Siem Reap, (855) 15 900 396 Siem Reap Province. Fax: (855) 63 963 280 / 63 966 070 P.O. Box: 1149 E-mail: [email protected] Website: www.acledabank.com.kh SWIFT Code: ACLBKHPP 3 BANTEAY SREI DISTRICT DBC Group 5, Banteay Srei Village, Khnar Sanday Commune, Tel: (855) 15 900 164 BRANCH-KHNAR SANDAY Banteay Srei District, Siem Reap Province. Fax: (855) 63 963 280 / 63 966 070 E-mail: [email protected] COMMUNE 4 BANTEAY SREI DISTRICT DBC Group 10, Preah Dak Village, Preah Dak Commune, Tel: (855) 15 600 246 BRANCH-PREAH DAK COMMUNE Banteay Srei District, Siem Reap Province. Fax: (855) 63 963 280 / 63 966 070 E-mail: [email protected] 5 BANTEAY MEANCHEY PB Group 3, Kourothan Village, Sangkat Ou Ambel, Tel: (855) 54 958 821 / 958 634 / 958 541 Krong Serei Saophoan, Banteay Meanchey Province.
  • Annual Report

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    Cambodia Road Crash and Victim Information System Annual Report © HIB Developed by: Ministry of Interior Ministry of Health Ministry of Public Works Handicap International Belgium and Transport Notice: This report may be freely reviewed, abstracted, reproduced or translated in part or in whole, but not for the purposes of sale. Website: www.roadsafetycambodia.info Cambodia Road Crash and Victim Information System Annual Report 2008 Table of Contents List of Figures.......................................................................................................................................................... 3 Foreword .................................................................................................................................................................. 5 Foreword .................................................................................................................................................................. 5 Note from the Minister of Public Works and Transport............................................................................. 5 Note from the Minister of Health ............................................................................................................... 6 Note from the Ministry of Interior............................................................................................................... 7 Note from World Health Organization....................................................................................................... 8 Note from Handicap
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    Updated October 2020 GEOLEV2 Label 32002001 City of Buenos Aires [Department: Argentina] 32006001 La Plata [Department: Argentina] 32006002 General Pueyrredón [Department: Argentina] 32006003 Pilar [Department: Argentina] 32006004 Bahía Blanca [Department: Argentina] 32006005 Escobar [Department: Argentina] 32006006 San Nicolás [Department: Argentina] 32006007 Tandil [Department: Argentina] 32006008 Zárate [Department: Argentina] 32006009 Olavarría [Department: Argentina] 32006010 Pergamino [Department: Argentina] 32006011 Luján [Department: Argentina] 32006012 Campana [Department: Argentina] 32006013 Necochea [Department: Argentina] 32006014 Junín [Department: Argentina] 32006015 Berisso [Department: Argentina] 32006016 General Rodríguez [Department: Argentina] 32006017 Presidente Perón, San Vicente [Department: Argentina] 32006018 General Lavalle, La Costa [Department: Argentina] 32006019 Azul [Department: Argentina] 32006020 Chivilcoy [Department: Argentina] 32006021 Mercedes [Department: Argentina] 32006022 Balcarce, Lobería [Department: Argentina] 32006023 Coronel de Marine L. Rosales [Department: Argentina] 32006024 General Viamonte, Lincoln [Department: Argentina] 32006025 Chascomus, Magdalena, Punta Indio [Department: Argentina] 32006026 Alberti, Roque Pérez, 25 de Mayo [Department: Argentina] 32006027 San Pedro [Department: Argentina] 32006028 Tres Arroyos [Department: Argentina] 32006029 Ensenada [Department: Argentina] 32006030 Bolívar, General Alvear, Tapalqué [Department: Argentina] 32006031 Cañuelas [Department: Argentina]
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    VISION AND MISSION Vision ACLEDA Bank’s vision is to be Cambodia’s leading commercial bank providing superior financial services to all segments of the community. Mission Our mission is to provide micro, small and medium entrepreneurs with the wherewithal to manage their financial resources efficiently and by doing so to improve the quality of their lives. By achieving these goals we will ensure a sustainable and growing benefit to our shareholders, our staff and the community at large. We will at all times observe the highest principles of ethical behaviour, respect for society, the law and the environment. This report has been prepared and issued by the Marketing Division of ACLEDA Bank Plc., to whom any comments or requests for further information should be sent. Headquarters: #61, Preah Monivong Blvd., Sangkat Srah Chork, Khan Daun Penh, Phnom Penh, Kingdom of Cambodia. P.O. Box: 1149 Tel: +855 (0)23 998 777 / 430 999 Fax: +855 (0)23 998 666 / 430 555 E-mail: [email protected] Website: www.acledabank.com.kh SWIFT Code: ACLBKHPP Call Center (24/7) Tel: +855 (0)23 994 444, +855 (0)15 999 233 E-mail: [email protected] 1 FINANCIAL RESULTS 31/12/13 31/12/12 31/12/11 31/12/10 31/12/09 Change Units in US$ ‘000 Audited Audited Audited Audited Audited (%)1 Consolidated Financial Results Assets 2,407,791 1,982,743 1,526,873 1,192,134 922,573 21.44% Loans and Advances 1,527,680 1,294,789 1,023,924 749,656 539,714 17.99% Liabilities 2,021,546 1,716,119 1,336,179 1,051,543 812,063 17.80% Deposits 1,709,596 1,507,751 1,174,966
  • Address of ACLEDA Bank Plc

    Address of ACLEDA Bank Plc

    Address of ACLEDA Bank Plc No. Office Name Address Tel/Fax/E-mail I- HEADQUARTERS Tel: (855) 23 430 999 / 998 777 Fax: (855) 23 430 555 E-mail: [email protected] For Customer Inquiry Call: #61, Preah Monivong Blvd., Sangkat Srah Chork, Khan Daun Penh, Phnom Penh. Tel: (855) 23 994 444 (855) 15 999 233 P.O. Box: 1149 HEADQUARTERS (OPERATION DIVISION) E-mail: [email protected] 1 Website: www.acledabank.com.kh SWIFT Code: ACLBKHPP OPERATION DIVISION Tel: (855) 23 998 340 Fax: (855) 23 998 316 E-mail: [email protected] II- CAPITAL BRANCHES No 29 and 30CD, Street 217 and 213, Group 63, Phum 7, Sangkat Veal Vong, Khan Prampir Meakkakra, Phnom Tel: (855) 23 997 169 / 179 / 189 Penh. (855) 15 900 342 PHNOM PENH Branch P.O. Box: 1149 2 (855) 23 881 465 / 224 Website: www.acledabank.com.kh E-mail: [email protected] SWIFT Code: ACLBKHPP No 252 ABCD, Preah Monivong Blvd., Group 40, Phum 10, Sangkat Boeng Reang, Khan Doun Penh, Phnom Penh. Tel: (855) 23 222 626 / 424 P.O. Box: 1149 DOUN PENH Branch (855)-15 900 254 3 Website: www.acledabank.com.kh E-mail: [email protected] SWIFT Code: ACLBKHPP No 46, Russian Federation Blvd., Group 1, Paprak Khang Tboung Village, Sangkat Kakab 1, Khan Pur SenChey, Phnom Penh. Tel: (855) 15 900 252 POCHENTONG Branch P.O. Box: 1149 4 E-mail: [email protected] Website: www.acledabank.com.kh SWIFT Code: ACLBKHPP No 482, Group 6, Phum Spean Khpous, Sangkat Kilometre N0.6, Khan Russey Keo, Phnom Penh.