No. 148 Preah Sihanouk Blvd. | Sangkat Boeung Keng Kang 1 Khan Chamkarmon | | Kingdom of (855)23 225 333 | www.ababank.com SWIFT: ABAAKHPP CORPORATE PROFILE TABLE OF CONTENTS

2 About ABA Bank 3 Vision, Mission, Values 4 Organization Chart 6 Awards 8 Financial Highlights 9 Simplified Financial Results 10 General Information 12 Products and Services - Accounts at a Glance - Loans - Trade Finance - Money Transfer - Debit and Credit Cards - Payroll Service - Corporate Internet Banking - ABA Point Discount Program 17 ABA Priority 18 SMART Banking 20 Correspondent Banks 21 ABA Branch Network

CORPORATE PROFILE 1 1996 VISION, MISSION, VALUES

Our Vision Our Mission

To be the country’s number one supplier of de- To help Cambodia, Cambodian businesses and pendable, easy-to-use, technologically advanced people build a bigger and brighter future for and easily accessible banking services. We want to themselves and their country by providing highly be the bank that Cambodians trust to take care of professional, technologically advanced banking 33 Branches all their personal and business banking needs. services for all.

ABA Bank’s branch network currently We see ourselves as a partner of the Cambodian extends to 33 nationwide. The Bank community as well as private businesses and is expecting to have 65 branches by individuals. We are here to serve Cambodia. the end of 2020.

Our Values

Honesty & Respect – At ABA Trust & Partnership – At ABA Service quality – At ABA we we make it our responsibility to we are there to offer help and strive to find solutions to all our treat each and every customer assistance. We see ourselves as banking needs. Our aim is to with honesty and respect. partners that our customers can provide the most technologically always trust. advanced, reliable banking services to all of our Cambodian customers – be they personal or ABOUT ABA BANK business account holders.

Contributing – At ABA we aim Sustainability & Growth – At Ethics & Morals – At ABA we ABA Bank is one of Cambodia's premier banking Shareholders structure to make a positive contribution ABA we are always thinking take our social responsibility institutions founded in 1996 as the Advanced Bank of Asia Limited. Currently, we provide a full range of National Bank of to Cambodia. We want to play about the future of our Bank, seriously. We apply the highest financial products and services through the network of Canada (www.nbc.ca) a beneficial role in the lives of the Cambodian people and the ethical and moral standards to 33 branches nationwide (as of October 31, 2015). is a financial institution our customers as well as for the country. We show the same level each and every thing that we do rated “A+” and “A” by Fitch and Standard & Poor’s with future of the country as a whole. of commitment to our staff as – inside and outside the Bank. It Having serviced the corporate and retail banking around CDN$ 216 billion of assets as of July 31, 2015 we do to our customers. It is with is these homegrown principles sectors in large cities and focusing on supporting micro- and huge network of correspondent banks all over this approach that we ensure the that form the basis of every and small-medium enterprises (SME) in provinces, we the world. It is headquartered in Montreal, and has are aiming to provide the best service and financial branches in almost every Canadian province with 2.4 sustainable growth of the Bank. relationship, with the customers terms and conditions to every Cambodian. million personal clients. National Bank of Canada is the and communities we serve as sixth largest bank in Canada and the leading bank in well as with our staff. ABA Bank has been awarded as the country’s Best Quebec where it is the partner of choice among SMEs. Bank for several consecutive times by the world most Its securities are listed on the Toronto Stock Exchange prominent financial magazines, and we are priding (TSX: NA). National Bank of Canada became an ABA ourselves in providing exceptional service quality and Bank shareholder on July 15, 2014. innovations that bring new standards to the banking in Cambodia. Being a private equity principal and a financial professional, Mr. Damir Karassayev has managed businesses in Southeast Asia since 2005. Currently, his main focus is on the development of ABA Bank as the core asset.

2 CORPORATE PROFILE CORPORATE PROFILE 3 ORGANIZATIONAL CHART

Shareholders

Risk Management Credit Committee Audit Committee Board of Directors Committee

Executive Director

Asset & Liability Head of Internal Audit Chief Risk & Product & Business Process Deputy CEO Credit Committee HR Committee Management Committee Department Compliance O cer Development Committee

Risk Management Department

Compliance Control Department

Chief Cash Chief Business Head of Human Resources Chief International Chief Financial O cer Chief Credit O cer Chief Marketing O cer cer Development O cer Department Relations O cer

Payments, Remittances, Marketing Communications Accounting Department Credit Department Cash Management Sales & Service Department HR Operations Unit SWIFT & Correspondent Department Department Banking Department

Micro Business Business Process Treasury Department Public Relations Unit Recruitment Unit Trade FinanceDepartment Department Loan Department Clearing Unit Development Department

Reporting ABA Point Program Call Center Training Unit Department Unit

Loan Recovery Department

Collateral Management Unit

Chief Client Head of Legal cer Chief Technology & Infrastructure Development O cer Branch Managers Relationship O cer Department

Customer Services Clearing & Settlement Letigation Central Branch I T Department Security Department Unit Unit Unit

ATM & POS Terminal Legal Administration Priority Banking IT Support Unit Administrative Department Unit DepaUnitrtment

4 CORPORATE PROFILE CORPORATE PROFILE 5 AWARDS 2011 2014 Cambodian Retail Bank of the Year by Asian Best Bank in Cambodia for 2014 award by Banking and Finance magazine. This Award given Euromoney financial magazine. This is the first based on ABA Bank’s commitment to deploying such award that Euromoney has bestowed on a advanced banking technologies (iBanking) for the bank in the Kingdom of Cambodia. Euromoney benefit of its customers. awards are considered to be given to institutions that demonstrate high service quality, innovation, and momentum in the markets where they excel.

2012 2014 Cambodia’s Domestic Technology and Operation Bank of the Year 2014 in Cambodia by world’s Bank of the Year by Asian Banking and Finance premier financial magazine The Banker owned by magazine. ABA Bank received the award for Financial Times Group. The award recognizes ABA its continuous work on the innovation and Bank’s efforts for providing innovative solutions to development of technologically improved services meet the clients’ needs, as well as demonstrating to better serve its customers and to maintain their high-class service standards and growth in assets loyalty. and market share.

2013 2015 Cambodia’s Domestic Technology and Operation Best Emerging Markets Bank in Cambodia Bank of the Year by Asian Banking and Finance 2015 by Global Finance magazine. This award magazine. ABA Bank was credited to receive recognizes the commitment of ABA’s team to the award for improvements in the IT system provide its clients with the tailor-made products and implementation of cash-in machines, which and innovative financial solutions. allow clients to replenish their deposit accounts or repay loans with cash 24/7.

2014 2015 Performance Excellence Award from Standard Best Bank in Cambodia 2015 title by Euromoney Chartered Bank for excellent Straight Through magazine. The second award given to the bank Processing (STP) rate in USD payment in 2013. by the magazine since 2014 rests on successful The award is given to the selected banks, launch of new products, improved quality of which manage to be precise and accurate in service, establishment of trusted relations with terms of processing payments via SCB as its international financial institutions, and further correspondent bank. development of a risk management system.

6 CORPORATE PROFILE CORPORATE PROFILE 7 SIMPLIFIED FINANCIAL RESULTS

Assets Deposits US$ 727 Million US$ 605 Million 727 605 (mm, US$) (mm, US$) 505 433

323 277 265 224

2012 2013 2014 2015 2012 2013 2014 2015 Q3 Q3

No. of Accounts Loans 75,500 Accounts US$ 443 Million 75.5 (’000) (mm, US$) 443 56 42 271 35 179 141

2012 2013 2014 2015 2012 2013 2014 2015 Q3 Q3

Shareholders’ Equity US$10.7 Million US$ 94.7 Million 10.7 94.7 (mm, US$) (mm, US$) 7.5 64 41.5 3.4 4.0 37.5

2012 2013 2014 2015 2012 2013 2014 2015 Q3 Q3

8 CORPORATE PROFILE CORPORATE PROFILE 9 GENERAL INFORMATION

75,502 12,720 122 308 Depositors Borrowers ATMs POS Terminals

75,502 12,720 122 308 55,531 41,885 7,966 88 163 237 35,208 57 4,650 41 146 2,959

2012 2013 2014 2015 2012 2013 2014 2015 2012 2013 2014 2015 2012 2013 2014 2015 Q3 Q3 Q3 Q3

33 989 54,830 33,789 Branches Employees Issued Cards iBanking Users

54,830 33,789 33 989 39,508 25 24,037 26,189 17 702 18,511 11 444 13,985 313 7,804

2012 2013 2014 2015 2012 2013 2014 2015 2012 2013 2014 2015 2012 2013 2014 2015 Q3 Q3 Q3 Q3

10 CORPORATE PROFILE CORPORATE PROFILE 11 PRODUCTS AND SERVICES

ABA Bank has a whole range of products designed to benefit every sector of the Cambodian community from business loans to car loans and current accounts to fixed deposits. The following products and services are specially created to suit needs of our client in their everyday banking needs. Loans ABA's loans enable you to put the plans into reality – whether those plans include a house, car, moto or running own business. Enjoy easy registration with quick approval and boost up your business with ABA Bank! Accounts at a glance Microbusiness Loan Corporate Loan

If you own a microbusiness and need funds for With ABA Corporate Loan it is much easier to expansion, equipment purchase or increase grow your business. It is designed for covering working capital, then why not to apply for ABA investment needs, working capital, operational Savings Current Current Plus Flexi Deposit Fixed Deposit Microbusiness Loan? You can easily borrow up to needs and more. 50,000 USD with attractive rates for up to 7 years. Transactional Purpose Transactional Transactional Saving Saving and saving Business Loan Refinancing Free Debit card* P P P P P With financing purpose on working capital Those who are interested in lowering monthly (UnionPay, Visa) needs, operational needs, trade & financing loan repayments, either because of additional needs, Business Loan from ABA is a great source expenses or needed funds for future business Free Credit of funding for expanding and developing new expansion can benefit from switching/moving card* P P P P P business. the existing loan to ABA Bank! We can lower (Visa, the rate or extend term, and even both. Once MasterCard) the loan refinance approved, you can pay off your current loan including any early repayment Minimum 100; charges and even get an opportunity to apply opening 10 100 500 5,000; 100 for additional loan with ABA. balance, USD 100,000

Minimum 100; ongoing 10 20 100 5,000; - balance, USD 100,000 $ Trade Finance

ABA Bank offers you a turnkey solutions and tailored financing options to minimize or even eliminate your risks related to trade operations both within Cambodia and internationally. Interest rate 0.75% p.a. n/a 0.50% p.a. Up to 4% p.a. Up to 6.25% p.a. Our services include Letters of Credit, Bank Guarantees, Documentary collections, advising, negotiation, post financing and discounting, reimbursement undertakings, and many other trade finance instruments. The team of professionals experienced in trade finance and documentary operations will assist you in every stage Monthly, or of your export-import activities starting from the contract negotiation to money receipt. Interest at maturity, or Semi-annual n/a Quarterly Quarterly payment upon account With support of our shareholder, National Bank of Canada, we are offering modern and secure trade finance services to our customers. closure

Letter of Credit Bank Guarantee USD, EUR, Currency USD, KHR USD USD USD AUS, THB* Letter of credit is a buyer's bank undertaking Bank Guarantee is an irrevocable undertak- to effect payment in favor of a seller if it has ing of the issuing bank (guarantor) to pay to fulfilled the letter of credit terms and conditions. the guarantee receiver (beneficiary) if certain * Terms and conditions apply. This is the most secured and commonly used obligations of the applicant are not fulfilled or instrument in international trade finance. partially fulfilled.

Documentary Collection

Documentary collection is a movement of documents between banks in accordance with the pre-defined arrangements between buyer and seller. A buyer is able to receive the goods only after the payment is made or the documents are accepted to be paid in some certain date or condition in future.

12 CORPORATE PROFILE CORPORATE PROFILE 13 Shop with confidence POS terminals $ Money Transfer ABA UnionPay, MasterCard POS terminals of ABA Bank can ABA offers numerous money transfer services for both personal and business needs. Our established and VISA cards are protected make running of the business correspondent banks network and partnership with large express money transfer systems enable to with 3D-Secure system. even easier: the terminals allow send and receive funds securely, quickly and directly to your ABA account. The 3D-Secure provides an retail locations to accept card extra layer of protection payments momentarily after the terminal Domestic Transfers SWIFT International Telegraphic Transfers when making transactions checks the availability of the funds on the card online. This technology is online. The benefits for the customer (payment available for all our cards is easier, more comfortable and quicker) Basic funds transferring between ABA Bank and Quick transfer of money from/to while making purchases can both increase the competitiveness of a any Cambodian bank. We have partnership ties abroad for individual persons or through the websites. Make company and increase sales. Another benefit with all banks in Cambodia, so your funds will corporations through ABA net- sure that the online shops for a company using POS terminal is lower transfer within one business day. work of correspondent banks. With are safe and protected by “MasterCard Secure payment transaction costs since the payment telegraphic transfers, your funds will transfer to Code”, “Verified by VISA” or “UnionPay Online is directly credited to the company’s bank the recipient’s account quickly and securely. Payment” security systems. account. ABA Bank SWIFT code: ABAAKHPP.

International Instant Money Transfers Fees & Charges At ABA Bank, we also provide instant money transfer services. You can transfer money to your loved ones through MoneyGram and IME systems. Having an extensive network of 256,000 money transfer agents around the world, MoneyGram provides a secure way to send and receive money worldwide. With IME Remittances available at any ABA bank branch, money is transferred immediately, cash payout is ready for collection on real time and there is no charge at the receiving end. IME has established an extensive international network of associates, affiliates and correspondent banks with more than 100,000 paying outlets throughout the world. Debit and Credit Cards ABA Bank has a whole array of credit and debit cards designed to meet the needs of modern day Cambodians – from Standard to Platinum cards. Low transaction fees and attractive discount schemes are just some of the value- added services available to our cardholders.

Debit cards Credit cards

China UnionPay and VISA ABA Bank issues international debit cards from ABA Bank MasterCard and VISA credit can be used at ATMs to cards that are accepted all withdraw cash within the over the world. A credit country and overseas, and card gives you important for making daily purchases. possibility to use credited Our international VISA card is amount from the Bank’s funds accepted by PayPal and can be used for online when you urgently need it. The clients who payments in major online stores. You can set open ABA Current Account, Savings Account, daily transaction and withdrawal limits, and Fixed Deposit or Flexi Deposit with minimum it is also possible to link multiple cards to the opening amount USD 3,000 are eligible to get account and set separate limits to each card. a free Credit Card with credit limit varying from What is more, you can issue a virtual MasterCard USD 500 up to 90% of blocked deposit amount in our iBanking service and use it for online (terms and conditions apply). purchases. You can transfer certain amount of money on this virtual MasterCard and use it for a predefined period, after which the unused money will be credited back to your main account.

14 CORPORATE PROFILE CORPORATE PROFILE 15 Payroll Service ABA PRIORITY ABA offers you integrated payroll services that can reduce costs, eliminate paperwork and improve security. You can simply submit your staff’s salary payment files or directly credit the amounts to their accounts through our internet banking. You do not need to withdraw cash from the account or issue checks anymore.

As a part of the payroll project, we issue free UnionPay debit cards for your employees to provide an instant 24/7 access to their funds through our ATM network, as well as give possibility to make in-shop and online purchases.

Corporate Internet Banking

ABA Corporate Internet Banking service gives access to your corporate accounts online, safe and easy. Available 24/7, 365 days a year, corporate iBanking covers all your business banking needs, such as n Initiate, authorize and settle payments to your suppliers, partners, and employees n Check your accounts’ balances and view recent transactions (up to 365 days period) n Transfer money between own accounts, other bank accounts and even sending abroad n Check currency exchange rates n Create templates for scheduled payments and more!

Expanding the boundaries of banking services understands your historical needs and is helpful and wishing to offer our customers maximum in finding solution to any banking needs of yours. flexibility, we have launched the service of As a Priority Customer, you will be entitled priority banking. With ABA Priority, we offer a full for special privileges on many products and range of banking and ancillary services that will services, from interest rates of your deposit or not only meet but also exceed your expectations. loan, structured fees for your inward or outward ABA Point discount program payments and our exclusive extension of banking You are privileged for special arrangement since services and others. With sophisticated banking experience and ever growing network, ABA Bank in partnership with you arrival to our office in Phnom Penh, from selected merchants across the country gives you the discount benefits that enlarge the possibilities all-the-time available parking space, welcoming With ABA Priority membership, you also can of your ABA cards and enliven your lifestyle. From your everyday needs to leisure activities, ABA Point and guiding services, luxurious and modern- enjoy special discounts from our premium discount program covers all aspects of purchasing convenience. designed banking premises with varieties partners, including, dining, shopping and spa or of facilities. You will be immediately served rejuvenation options. Make purchase while shopping or dining with any ABA card and enjoy fantastic privileges in more than by highly professional and trained staff who 300 shops and outlets!

16 CORPORATE PROFILE CORPORATE PROFILE 17 SMART Banking

Internet Banking ABA Mobile

We introduce you our SMART Banking solution, which lets you stay connected to ABA at any time of Available 24/7 ABA's iBanking We developed ABA Mobile the day, wherever you go. allows you to use the Internet application for those who want to carry out all financial trans- to have around-the-clock access Whether you need to deposit cash to your account, actions from checking account to their accounts on the go. You make transactions, or get professional advice from statements to making payments can check your balance instantly, our experts, SMART Banking provides you with the and transferring funds. It is easy to set up and use, pay bills quickly and get much more great features. unique opportunity to do it without visiting the and allows you to do all of your day-to-day bank- It is free to download, secure and easy to use – so Bank's branch. ing without visiting a bank branch. why not give it a try?

Learn more about the advantages of our SMART Banking:

ATMs Cash-in machines SMS/Email alert Call Center

ABA Bank has more than 120 Cash-in machines help ABA Bank Another technological advan- You can address all your inquiries ATMs across the country, and clients make cash deposits to any tage of ABA is SMS and E-mail and requests regarding ABA the number is growing rapidly. ABA accounts, as well as pay for alert service. Upon simple regis- Bank’s products and service to There is more to ATMs than just the services of different providers. tration, you will be able to receive our experienced Contact Centre withdrawing cash, as you also All transactions made via cash- free SMS or e-mail alerts when- Specialists. Should you block a can check your account balance, transfer funds in machines are instantly displayed on clients' ever a transaction takes place, wherever you are. stolen, lost card or discover business hours of the between accounts and pay the bills, including accounts with the respective service provider or at In addition, you can get regular statement via SMS nearest branch, please contact us 24/7 at 023 225 mobile top-up, Internet bills, utilities, etc ABA Bank's accounts. Cash-in machines run 24/7 message or even e-mail. 333 and get help from ABA Bank staff! and allow top-up ABA accounts regardless of the bank branches' business hours.

ECash Email feedback Webchat Facebook Page

ECash is the first cardless ATM At ABA, we always welcome The web chat on our website On our official Facebook page, cash withdrawal service in your feedback. If you want to www.ababank.com enables you you always can get the latest Cambodia launched by ABA in complement our staff, ask for help to chat online to a member of our updates on ABA products 2015. Through this service, you or show us our shortcomings in team about selected products and services, as well as watch can let anyone who does not the work, please send your email and services, without having to corporate videos, chat to our bank with ABA to withdraw cash from any ABA to [email protected]. make a phone call or visit a branch. Our team is team and win prizes in quizzes! ATM without using a card. The recipient need just available for your requests around the clock. enter a security code provided by the ABA client.

18 CORPORATE PROFILE CORPORATE PROFILE 19 CORRESPONDENT BANKS ABA BRANCH NETWORK

ABA Bank has correspondent banking arrangements with different reputed international banks in different parts of the world. Business related payments and personal remittances are transacted through these accounts in the NAME ADDRESS PHONE respective currencies. Phnom Penh Branches

Borei Keyla branch Corner St. 134 & 169, Sangkat Vealvong Tel: (+855) 98 203 869

The following is the list of our correspondent banks, which can be used to facilitate the international payments. Central branch No. 443A, Preah Monivong Blvd., Sangkat Beoung Prolit Tel: (+855) 98 203 199

Central Market branch No. 60E0, St. 136, District Phsar Thmey 3, Sangkat Daun Penh Tel: (+855) 98 630 547

Chbar Ampov branch No. 601, National Road 1, Village Deom Sleng, Sangkat Chbar Ampov 2 Tel: (+855) 98 203 929 Currency Correspondent Bank Name Swift Code Chom Chao branch No. 824, National Road 4, Prey Prenhcheng Village, Sangkat Chom Chao Tel: (+855) 98 203 939

Head Office branch No. 148, Preah Sihanouk Blvd., Sangkat Boeung Keng Kang I Tel: (+855) 23 225 333

EUR Commerzbank AG, Germany COBADEFF Mao Tse Toung branch No. 151 E0-E1-E2, Mao Tse Toung Blvd., Sangkat Boueng Keng Kang 3 Tel: (+855) 98 203 809

Ou Baek K'am branch No. 19BC, St. 271 (Yothapol Khemarak Phoumin), Sangkat Boeng Salang Tel: (+855) 98 203 799 USD DBS Bank Ltd., Singapore DBSSSGSG Sothearos branch No. 167, Samdech Sothearos Blvd, Sangkat Tonle Bassac Tel: (+855) 98 203 983 Stade Chas branch No. 26AE0-E1-E2, St. 70, Sangkat Srah Chak Tel: (+855) 98 203 819

SGD DBS Bank Ltd., Singapore DBSSSGSG Stung MeanChey branch No. 20B & 21B, St. 217 (Monireth), Sangkat Stoeung Mean Chey Tel: (+855) 98 203 889 Toek Thla branch No. A39-A41, Russian Federation Blvd., Sangkat Toek Thla Tel: (+855) 98 203 849

Toul Kork branch No. 10A, St. 289 Corner St. 516, Sangkat Beoung Kok I Tel: (+855) 98 203 859 USD Korea Exchange Bank, South Korea KOEXKRSE Provincial Branches

National Road 71, Tros Village, Ballangk Commune, Baray District, Baray district branch Tel: (+855) 98 630 226 USD Standard Chartered Bank, Singapore SCBLSGSG No. 205-207, Street 3, Kamakor Village, Svay Por Commune, City, Battambang branch Tel: (+855) 98 203 839 USD Standard Chartered Bank, USA SCBLUS33 National Road 6 Tasaen Village, Soutip Commune, Cheung Prey District, Cheung Prey district branch Tel: (+855) 98 630 135 Province National Road 3​, Chheu Teal Village, Chhuk Commune, Chhuk District, USD Deutsche Bank Trust Americas, USA BKTRUS33 Chhuk district branch Tel: (+855) 98 630 113 Province No. 31, Preah Monivong Street, Sangkat Kampong Cham, Kampong Cham City, Kampong Cham branch Tel: (+855) 98 203 879 USD Kookmin Bank, South Korea CZNBKRSE No. E614, National Road 5, Village Srae Pring, Sangkat , Kampong Chhnang branch Tel: (+855) 98 203 039 Kampong Chhnang Town, No. 346, National Road 4, Village: Peanichkam, Sangkat Rokathom, USD Mashreqbank, Hong Kong MSHQHKHH Kampong Speu branch Tel: (+855) 98 203 949 Khan Chbamorn, Kampong Speu No. 019, National Road 6, Village Kampong Krabao, Sangkat Kampong Kampong Thom branch Tel: (+855) 98 203 969 THB Standard Chartered Bank, Thailand SCBLTHBK Krabao, Steung Sen Town, Kampong Thom Province No. 14, Road Ek Reach, Village 1 Ousaphea, Commune Kampong Kandal, Kampot branch Tel: (+855) 98 203 959 Kampot Town, USD DBP, Philippines DBPHPHMM No. 885, National Road 7, Phum Trapeang Pring, Sangkat Kratie, Krong Kratie, Kratie branch Tel: (+855) 98 203 049 Kratie Province No. A092, National Road 5, Village Palelay 2, Paoy Paet Town, Paoy Paet branch Tel: (+855) 98 203 019 GBP Standard Chartered Bank, London SCBLGB2L Banteay Mean Chey Province No. 33, National Road 11, Phum Buon, Sangkat Kampong Leav, branch Tel: (+855) 98 203 059 Krong Prey Veng, CNY China Construction Bank Corporation, China PCBCCNBJ No. 637-638, National Road 5, Village Ra, District Phtas Prey, Town, Pursat branch Tel: (+855) 98 630 253 National Road 4, Prey Kuy Village, Trapaing Kong Commune, Samrong Tong Tong district branch Tel: (+855) 98 630 144 USD Vietcom Bank, Vietnam BFTVVNVX District, branch No. 01-04, Tep Vong St., Mondul II Village, Svay Dangkum Sangkat, Siem Reap Tel: (+855) 98 203 829 USD Banque Nationale du Canada, Canada BNDCCAMM branch No. 131, Villageg 01, Street Ekreach, Mittapheap, Sihanoukville Tel: (+855) 98 203 899 No. 20, National Road 1, Village Raob Kor, Sangkat Prey Chlak, Town, Svay Rieng branch Tel: (+855) 98 203 029 Svay Rieng Chey Province EUR Banque Nationale du Canada, Canada BNDCCAMM No. 1782, National Road 2, Lo Rie Village, Roka Knong Commune, Takeo branch Tel: (+855) 98 203 901 Daun Keo District, Daun Keo Town, Takeo Province Takhmao branch No. 530, Street 107/21, Sangkat Takhmao, Krong Takhmao, Tel: (+855) 98 203 919 USD Industrial and Commercial Bank of China, Cambodia ICBKKHPP No. 35, National Road 3, Phum Prey Rumdeng, Khum Angk Ta Saom, Tram Kak district branch Tel: (+855) 98 630 166 Srok Tram Kak, Takeo Province

20 CORPORATE PROFILE CORPORATE PROFILE 21