CORPORATE PROFILE HALF YEAR 2018 At ABA Bank, we have been continuously providing to our customers advanced financial products and services along with innovative technologies that make their banking experience outstanding. We've always put our client in the center of everything we do and that allowed us to become one of the leading banks in Cambodia. Switch to the new way of banking with ABA to get access to exceptional service and modern financial lifestyle! ABA Bank – a partnership you can trust! 2 About ABA Bank 3 Vision, Mission & Values 4 Organization Chart 6 Awards 8 Financial Highlights 9 Simplified inancialF Results 10 General Information 12 Products and Services 12 Accounts 13 Loans Table of Contents 14 Payment Cards 16 Trade Finance 17 Money Transfers 18 Self-Banking Channels 19 24/7 Customer Support Channels 20 Online Account Opening 20 PayWay Online Gateway 20 Payroll Service 21 Correspondent Banks 22 Branch Network About ABA Bank Major Shareholder ABA Bank is one of Cambodia’s premier banking institutions National Bank of Canada (www.nbc.ca) is a financial founded in 1996 as the Advanced Bank of Asia Limited. ‘B+’ long-term credit rating from Dagong institution with US$197 billion of assets as of 30 April Global Credit Rating Agency (Hong Kong) 2018 and huge network of correspondent banks all In more than 20 years of development and growth, ABA has over the world. Natonal Bank of Canada owns credit significantly strengthened its position in the market and broke ‘B’ long-term and short-term credit ratings ratings from the world's leading rating agencies: from Standard & Poor’s (S&P) Global Ratings into the top five commercial banks of the country. Today, we "A" from S&P, "A+" from Fitch, and "A1" from Moody's. offer the entire spectrum of services to customer segments It is headquartered in Montreal and has branches in covering SMEs, micro businesses, and individuals. With 55 In July 2014, National Bank of Canada entered ABA Bank’s almost every Canadian province serving 2.5 million branches, 121 self-banking kiosks, and 230 ATMs across the shareholders structure. In May 2016, National Bank of Canada clients. National Bank of Canada is the sixth largest country, we reach out to a large amount of customers with an became the major shareholder of ABA holding 90% of the bank in Canada and the leading bank in Quebec array of modern financial services. Bank’s shares. where it is the partner of choice among SMEs. Its securities are listed on the Toronto Stock Exchange. ABA Bank has an effective and well-synchronized professional ABA Bank has been awarded as the country’s Best Bank for Clients in the United States, Europe and other team that is committed to maintaining and improving our several consecutive years by the world’s most prominent financial parts of the world are served through a network of performance. Our international management team brings magazines – the Banker, Euromoney and Global Finance. representative offices, subsidiaries and partnerships. invaluable expertise and allows ABA Bank to comply with international standards of service and security. 2 Corporate Profile Vision, Mission & Values Our Vision Our Values To be the country’s number one supplier of Honesty & Respect Contribution dependable, easy-to-use, technologically advanced and easily accessible banking services. We want to At ABA we make it our responsibility to treat each and At ABA we aim to make a positive contribution to be the bank that Cambodians trust to take care of every customer with honesty and respect. Cambodia. We want to play a beneficial role in the lives all their personal and business banking needs. of our customers as well as for the future of the country as a whole. Trust & Partnership Sustainability & Growth At ABA we are there to offer help and assistance. At ABA we are always thinking about the future of our We see ourselves as partners that our customers can Bank, the Cambodian people and the country. We show always trust. the same level of commitment to our staff as we do to Our Mission our customers. It is with this approach that we ensure the sustainable growth of the Bank. To help Cambodia, Cambodian businesses and Service quality Ethics & Morals people build a bigger and brighter future for themselves and their country by providing highly At ABA we strive to find solutions to all our banking At ABA we take our social responsibility seriously. We professional, technologically advanced banking needs. Our aim is to provide the most technologically apply the highest ethical and moral standards to each services for all. advanced, reliable banking services to all of our and every thing that we do – inside and outside the Bank. Cambodian customers – be they personal or business It is these homegrown principles that form the basis of We see ourselves as a partner of the Cambodian account holders. every relationship, with the customers and communities community as well as private businesses and we serve as well as with our staff. individuals. We are here to serve Cambodia. Corporate Profile 3 Organization Chart (as at June 30, 2018) Shareholders Board of Directors Governance Committee Chief Executive Officer Executive Director Asset & Liability Product & Business Process Deputy CEO Management Committee Development Committee HR Committee Chief Administration, Technology & Chief Business Development Infrastructure Development Officer Chief Financial Officer Officer Head of Human Resources IT Department Finance Department Treasury Department Sale & Service Department HR Business Partner Department Business Process Data Center & Network Unit Salary and Taxation Unit Treasury Dealing & FX Control Unit Development Department Training & Development Unit Security Department Reporting & Reconciliation Unit Physical Cash Management Unit Contact Center Department Recruitment & Talent Acquisition Department Administrative Department KPI & Fixed Assets Unit Local Financial Institutions Unit Payment Solutions Department HR Operations Department Merchant Service Department HR Administrative Unit Commercial Payment & Collection Employee Relations & Department Communication Unit Chief Card & E-Payment Officer Head of Marketing Division Merchant Support & Acquisition Offline Marketing Department PR Department Customer Service Department Department Dispute Resolution Department Electronic Service Accounting Terminal Department Card System Department Department Digital Marketing Department Graphic Design Unit 4 Corporate Profile Credit Committee Risk Management Committee Compliance Committee Audit Committee Head of Risk Management Head of Compliance Credit Committee Department Department Head of Internal Audit Department Chief International Chief Credit Officer Operations Officer Chief Digital Officer Chief Client Relationship Officer Commercial & Collateral Management Unit International Operations Web Technologies Department Central Branch Retail Loan Department Department Credit Training Unit International Operations Micro Business Loan Department Development Department Mobile Technologies Department Priority Banking Trade Finance Operations Monitoring & Recovery Department Credit Quality Control Unit Department UX/UI Unit Credit Management & Administration Department Head of Cash Operations Division Head of Legal Department Provincial Branch Managers Branch Managers Cash Management Department Clearing Department Litigation Unit District Branch Managers Operation Support Department Legal Administration Unit Corporate Profile 5 Awards 2015 2016 Best Emerging Markets Bank (Cambodia) 2015 by Best Bank in Cambodia 2016 by Global Finance Global Finance magazine. This award recognizes the magazine. The top honor was bestowed on ABA for the commitment of ABA’s team to provide its clients with the straightforward implementation of its strategy, strong tailor-made products and innovative financial solutions. operating results, as well as continuous improvement of its service quality. Best Bank in Cambodia 2015 award by Euromoney Best Bank in Cambodia 2016 by Euromoney magazine. magazine. The second award given to the bank rests on ABA Bank credited to receive the third consecutive award successful launch of new products, improved quality of for its dynamic growth, strategic partnership with National service, and further development of a risk management Bank of Canada and continuous efforts to deliver the latest system. digital banking solutions to its customers. Bank of the Year 2016 in Cambodia by The Banker magazine. The judges’ decision is based on ABA’s financial strength, continuous introduction of innovative products, success of the SMART banking platform, and the best business practices. 6 Corporate Profile 2017 2018 The Best Bank in Cambodia 2017 title from Global The Best Bank in Cambodia 2018 from Global Finance Finance magazine. The third consecutive award was magazine. The judging panel praised the solutions ABA bestowed upon ABA Bank for the growth in assets, stable offered as well as its customer service, and particularly profitability, strategic relationships, and innovation in the Bank's understanding of local conditions and the products. needs of customers in its market. Best Bank in Cambodia 2017 by Euromoney magazine. Best Bank in Cambodia 2018 by Euromoney magazine. The magazine praised ABA Bank for enhancement of The fifth consecutive title was awarded based on the its operations, growth of its branch network, as well as stable financial parameters, support from National Bank continuous commitment to raising the standards