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 .

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 of of Canada in guiding best practice, as well as strong focus customer experience through its digital banking strategy. of ABA on digitalization of its products and services.

Corporate Profile 7 Year ended 31 December ‘15 ‘16 ‘17 H1 ’18 Balance Sheet (US$ million) Total Deposits 654.4 855.8 1,264.5 1,589.6 Total Gross Loans 483.7 789.0 1,235.7 1,512.2 Shareholder's Equity 100.0 129.0 200.2 233.0 Total Assets 805.6 1,098.5 1,639.4 2,027.5 P & L Account (US$ million) Net Interest Income 32.0 54.2 87.1 61.3 Net Fee & Commission Income 7.9 13.4 16.1 10.3 Net Profit 15.9 29.0 46.2 32.8 Key Performance Indicators Profitability ROAE, % 19.2 25.3 28.1 30.3 ROAA, % 2.4 3.1 3.4 3.6 Net Interest Margin, % 6.3 7.1 7.8 8.4 Financial Cost/Income, % 45.6 39.4 37.3 35.3 Funding and Liquidity Liquidity, % 54.1 73.2 91.7 115.6 Highlights Credit Deposit Ratio, % 73.9 92.2 97.7 95.1 Liquid Assets/Total Assets, % 20.9 14.3 11.7 13.2 Capitalization Solvency Ratio, % 15.8 17.4 15.9 16.8 Equity/Total Assets, % 12.4 11.7 12.2 11.5 Assets Quality NPL/Total Loans, % 0.1 0.2 0.8 0.8 Provision/Total Loans, % 1.1 1.3 1.4 1.4 General Information Branches 33 43 51 55 Staff 1,019 1,678 2,461 3,157 Depositors 85,607 141,734 232,418 308,443 Borrowers 14,700 26,226 37,612 43,685 ATMs 128 167 204 230 ABA Mobile App Users 11,488 43,918 102,103 155,767 Simplified Financial Results

Depositors Deposits Assets 308,443 Depositors US$1.59 Billion US$2.03 Billion

86K 142K 232K 308K 0.65 0.85 1.26 1.59 0.8 1.1 1.64 2.03

H1 H1 H1 ‘15 ‘16 ‘17 ‘18 ‘15 ‘16 ‘17 ‘18 ‘15 ‘16 ‘17 ‘18

Loans Net Profit Shareholders’ Equity US$1.51 Billion US$32.8 Million US$233 Million

0.48 0.79 1.24 1.51 15.9 29 46.2 32.8 100 129 200 233

H1 H1 H1 ‘15 ‘16 ‘17 ‘18 ‘15 ‘16 ‘17 ‘18 ‘15 ‘16 ‘17 ‘18

Corporate Profile 9 General Information

Depositors Borrowers

In thousands In thousands

85.6 141.7 232.4 308.4 14.7 26.2 37.6 43.7

308.4 ‘15 ‘16 ‘17 H1 ‘18 43.7 ‘15 ‘16 ‘17 H1 ‘18

Branches Staff

33 43 51 55 1,019 1,678 2,461 3,157

55 ‘15 ‘16 ‘17 H1 ‘18 3,157 ‘15 ‘16 ‘17 H1 ‘18

10 Corporate Profile ATMs ABA Mobile App Users

In thousands

128 167 204 230 11.5 43.9 102.1 155.8

230 ‘15 ‘16 ‘17 H1 ‘18 155.8 ‘15 ‘16 ‘17 H1 ‘18

Issued Cards iBanking Users

In thousands In thousands

74.2 110.7 171.6 227.2 36.9 55.1 76.7 83.5

227.2 ‘15 ‘16 ‘17 H1 ‘18 83.5 ‘15 ‘16 ‘17 H1 ‘18

Corporate Profile 11 Products and Services

Accounts ABA Bank has a whole range of products designed to benefit every sector of the Cambodian community from business loans and trade finance to payment cards Flexi Savings Current Current Plus Fixed Deposit and deposits. The following products and services are Deposit specially created to suit the needs of our client in their Transactional & everyday banking needs. Purpose Transactional Transactional Saving Saving saving

Currency KHR*, USD KHR, USD KHR, USD USD KHR, USD

Free Debit card* N/A N/A (Visa, Mastercard, UnionPay)

Free Credit card* (Visa, Mastercard)

40,000 KHR* 400,000 KHR 2,000,000 KHR 400,000 KHR Minimum opening balance 100 USD 10 USD 100 USD 500 USD 100 USD

40,000 KHR* 400,000 KHR 2,000,000 KHR Minimum ongoing balance 100 USD N/A 10 USD 100 USD 500 USD

1.00% (KHR) 1.00% (KHR) Up to 6.25% (KHR) Interest rate (p.a.) N/A 2.00% 0.50% (USD) 0.50% (USD) Up to 5.25% (USD)

Monthly / Interest payment Semi-annual N/A Quarterly Quarterly At maturity / Upon account closure

* Terms and conditions apply 12 Corporate Profile Loans ABA business loans enable you to put your business plans into reality – whether those plans include an expansion of your current operations or refinancing of the existing loan. Microbusiness Loan Corporate Loan Enjoy easy registration with quick approval and boost up your business with ABA Bank! If you own a microbusiness and need funds for expansion, With ABA Corporate Loan it is much easier to grow your equipment purchase or increase working capital, then why business. It is designed for covering investment needs, not to apply for ABA Microbusiness Loan? You can easily working capital, operational needs and more. borrow up to 70,000 USD with attractive rates for up to 8 years.

Business Loan Refinancing

With financing purpose on working capital needs, Those who are interested in lowering monthly loan operational needs, trade & financing needs, Business Loan repayments, either because of additional expenses or from ABA is a great source of funding for expanding and needed funds for future business expansion can benefit developing new business. from switching moving the existing loan to ABA Bank! We can lower the rate or extend term, and even both. Once the loan refinance approved, you can pay off your current loan including any early repayment charges and even get an opportunity to apply for additional loan with ABA.

Corporate Profile 13 Payment Cards

Debit Cards Credit Cards Shop With Confidence

VISA, Mastercard, and UnionPay debit ABA Bank issues Mastercard and VISA credit ABA Mastercard, VISA and UnionPay cards from ABA Bank can be used at cards that are accepted all over the world. cards are protected with 3D-Secure ATMs to withdraw cash within the A credit card gives you possibility to use protocol. The 3D-Secure provides an country and overseas, and for making Bank’s funds when you urgently need it. The extra layer of protection when making daily purchases. Our international clients who open ABA Current or Savings transactions online. This technology is Mastercard and VISA cards are accepted Account, Fixed Deposit or Flexi Deposit with available for all our cards while making by PayPal and can be used for online minimum opening amount $3,000 are eligible to get a free purchases through the websites. Make payments in major online stores. You Credit Card with credit limit of up to 90% of blocked deposit sure that the online shops are safe and can set daily transaction and withdrawal amount (terms and conditions apply). protected by “Mastercard Secure Code”, limits, and it is also possible to link multiple cards to the “Verified by VISA” or “UnionPay Online Payment” security account and set separate limits to each card. systems.

What is more, you can easily issue free Virtual Cards in POS Terminals iBanking service or using ABA Mobile app and use it for POS terminals of ABA Bank can make running of the business online shopping. easier: the terminals allow retail locations to accept card payments after the terminal checks the availability of the With Virtual Card from ABA Bank, you can make funds on the card online. It is a simple way to increase the payments or purchases exactly the same way as with real competitiveness and boost sales. Another benefit is lower card on any online store that displays Mastercard or Visa payment transaction costs since the payment is directly logo, including Amazon, eBay or AliExpress. credited to the company’s bank account.

14 Corporate Profile Debit Cards Fees & Charges

Classic Platinum Classic Business Platinum Lite Platinum Standard Platinum

Issuance / reissuance of card Free

Annual maintenance $3 $30 $5 $20 $20 $100 $5 $20

Cash withdrawal:

ABA ATM Free

Easy Cash ATM N/A N/A $0.5 $0.5 $0.5 $0.5 N/A N/A

Purchase inside Cambodia Free

Purchase outside Cambodia Free*

Balance inquiry

ABA ATM/POS Free

Easy cash ATM N/A N/A $0.1 $0.1 $0.1 $0.1 N/A N/A

Cash withdrawal limit / purchase limit per day $1,000 $5,000 $1,000 $5,000 $5,000 $10,000 $1,000 $7,000

Max. cash withdrawals transactions per day 5 10 5 10 10 10 5 10

Max. purchase transactions per day 5 10 5 10 10 10 5 10

* For non-USD transactions, 2% conversion fee applied

Corporate Profile 15 Trade Finance

ABA Bank was awarded as the Best Trade Finance Bank in Cambodia 2018 by Global Finance magazine Letter of Credit Documentary Collection

Letter of credit is a buyer's bank undertaking to Documentary collection is a movement of effect payment in favor of a seller if it has fulfilled documents (financial and/or commercial) the letter of credit terms and conditions. This is the between banks in accordance with the pre- most secured and commonly used instrument in defined arrangements between buyer and seller. ABA Bank offers you turnkey solutions and tailored international trade finance. The ABA Bank’s Letters Documentary collection is used when a seller does financing options to minimize or even eliminate your risks of Credit comply with UCP600 rules of International not want to ship the goods using Open account related to trade operations both within Cambodia and Chamber of Commerce (ICC) and guarantee security and method, but at the same time is not able to secure internationally. convenience to your export-import operations. risks by letter of credit or other instrument.

Our services include Letters of Credit, Bank Guarantees, As compared to Open account, Documentary Documentary collections, advising, negotiation, post Bank Guarantee Collection is a more secured method for sellers financing and discounting, reimbursement undertakings, because a buyer is not able to receive the goods and many other trade finance instruments. Bank Guarantee is an irrevocable undertaking of the without payment or acceptance. issuing bank (guarantor) to pay to the guarantee The team of professionals experienced in trade finance receiver (beneficiary) if certain obligations of the and documentary operations will assist you in every stage applicant are not fulfilled or partially fulfilled. of your export-import activities starting from the contract negotiation to money receipt. If you are going to sell goods but not sure about the buyer's creditworthiness, you may bear a risk of With support of our shareholder, National Bank of Canada, non-payment. Guarantees are designed to minimize we are providing modern and secure trade finance services this risk as well as other risks related to sale-purchase to our customers. operations.

16 Corporate Profile Money Transfers ABA Bank offers numerous money transfer services for both personal and business needs. Our established correspondent banks network and partnership with large express money transfer systems enable to send and receive Domestic Transfers International Instant Money Transfers funds securely, quickly and directly to your ABA account. Basic funds transferring between ABA Bank and any At ABA Bank, we also provide instant money transfer Cambodian bank. We have partnership ties with all banks services. You can transfer money to your loved ones in Cambodia, so your funds will be transferred within one through MoneyGram and IME systems that are available at business day. any ABA Bank branch.

SWIFT Int'l Telegraphic Transfers

Quick transfer of money from/to abroad Having an extensive network of 350,000 money transfer for individual persons or corporations agents around the world, MoneyGram provides a secure through ABA network of correspondent way to send and receive money worldwide. banks. With telegraphic transfers, your funds will be transferred to the recipient’s account With IME Remittance, money is transferred immediately, quickly and securely. ABA Bank SWIFT code: ABAAKHPP. cash payout is ready for collection on real time and there RemitEx Transfers 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 RemitEx is a money transfer channel outlets throughout the world. with fixed exchange rates for selected countries. It has no fee for delivery of the transfer and allows you to enjoy fixed exchange rate when the sending currency is different from the receiving currency.

Corporate Profile 17 Self-Banking Channels

ABA Mobile Retail Internet Banking Corporate Internet Banking

ABA Mobile is the first full-scale mobile Available 24/7, ABA's iBanking allows you ABA Corporate Internet Banking service banking app in Cambodia with over to use the Internet to carry out all financial gives access to your corporate accounts 150,000 active users and 5,500,000 transactions from checking account statements online, safe and easy. Available 24/7, 365 transactions per year. It is an ideal financial tool for to making payments and transferring funds. It is easy to days a year, it covers all your business banking needs, those who want 24-hour control of their accounts set up and use, and allows you to do all of your day-to-day such as authorization and settlement of payments on the go. You can check your balance, open deposit banking without visiting a bank branch. to your suppliers or employees, checking your and savings accounts, issue virtual cards, pay bills accounts’ balances and view recent transactions, quickly and without commission, plus get many money transfers between own accounts, other bank more smart features. It’s free to download on Google accounts and even sending abroad, and many more! Play and the Apple App Store.

ATM Cash-in Kiosk Cardless Cash Withdrawal

ABA Bank has more than 230 ATMs Cash-in kiosks help ABA Bank clients make E-Cash is the cardless ATM cash across the country, and the number is cash deposits to any ABA accounts, as well as withdrawal service. Through this service, growing rapidly. There is more to ATMs pay for the services of different providers. All you can let anyone who does not bank than just withdrawing cash, as you also can check transactions are instantly displayed on clients' accounts with ABA to withdraw cash from any ABA ATM your account balance, withdraw cash without a card, with the respective service provider or at ABA Bank's without using a card. The recipient just needs to transfer funds between accounts and pay the bills, accounts. The kiosks run 24/7 and allow top-up ABA enter the security code provided by the ABA client. including mobile top-up, Internet bills, utilities, etc. accounts regardless of the bank's business hours.

18 Corporate Profile 24/7 Customer Support Channels

Call Center Facebook Page ABA Mobile Feedback

You can address all your inquiries, On our official Facebook page, you always can Enjoy easy and secure banking with ABA complaints and requests regarding get the latest updates on ABA products and Mobile app and get in touch with us ABA Bank’s products and services to services, as well as watch corporate videos, instantly without leaving the app. Just go our experienced Contact Centre Specialists. If your chat to our team, discover latest deals and win prizes by to ABA mobile app’s main screen and click Contact Us ABA card is blocked, lost or stolen, or you want to participating in our contests and quizzes! button. There, you can either leave us a written discover the nearest branch to you and its business Visit us at www.facebook.com/ABA.Bank.Cambodia feedback or ask a question on our product or service, hours, please contact us at 023 225 333 and get help chat with us via Facebook Messenger, or call our 24/7 from ABA Bank staff! hotline without having to dial any number.

Web Chat Email Feedback

The web chat on our website At ABA, we always welcome your feedback. If www.ababank.com enables you to chat you want to compliment our staff, asking for online with a member of our team about help or making suggestions for us to serve you selected products and services, without having to better, please send your email to [email protected] make a phone call or visit a branch. Our team is available for your requests around the clock.

Corporate Profile 19 Online Account Opening PayWay Online Gateway Payroll Service

Knowing that your time is precious, PayWay is the advanced ABA offers you integrated payroll we introduce the new service, Online payment gateway from services that can reduce your Account Opening. ABA Bank that allows local merchants to accept business costs, eliminate online payments in various ways instantly and paperwork and improve security. We built a dedicated website join.ababank.com hassle-free. You can simply submit your staff’s salary payment where you can choose the account that suits best files or directly credit the amounts to their your everyday banking or saving needs and apply With PayWay, you will stay informed on all accounts through our internet banking. You do not for it online from the comfort of your home or office, transactions made on your website or app and need to withdraw cash from the account or issue whenever it is convenient for you. manage the sales through the dedicated merchant checks anymore. portal. All transactions made through PayWay are You can easily apply for your first ABA Bank account 100% protected and monitored by our security team. As a part of the payroll project, we issue Visa, online by visiting the website, choosing between Mastercard, and UnionPay debit cards at accounts for your daily needs or for growing your PayWay is the ideal solution for a wide variety of discounted rates for your employees to provide an money, and filling in the application form. merchants: hotels, online travel portals, educational instant 24/7 access to their funds through our ATM institutions, online shops, cinemas, food delivery, network, as well as give possibility to make in-shop After successful application, you will get a reference restaurants, and more! and online purchases. code on your email that you can bring to the nearest ABA branch with your ID or Passport within 15 days We developed PayWay with you in mind and can to activate the account with our staff. offer the best conditions for integrating the platform with your business. Opening Account with ABA Bank is now easy like never before! More information at payway.ababank.com.

20 Corporate Profile Correspondent Banks

Currency Correspondent Bank Name SWIFT Code ABA Bank has correspondent banking arrangements with different reputed international banks in different parts USD JP Morgan Chase Bank, USA CHASUS33 of the world. Business related payments and personal USD Standard Chartered Bank, USA SCBLUS33 remittances are transacted through these accounts in the respective currencies. USD Standard Chartered Bank, Singapore SCBLSGSG USD Woori Bank, South Korea HVBKKRSE The following is the list of our correspondent banks, which can be used to facilitate international payments. USD Kookmin Bank, South Korea CZNBKRSE USD Korea Exchange Bank, South Korea KOEXKRSE

USD DBS Bank, Singapore DBSSSGSG

USD Vietcom Bank, Vietnam BFTVVNVX

USD National Bank of Canada, Canada BNDCCAMMINT

EUR National Bank of Canada, Canada BNDCCAMMINT

EUR Commerzbank AG, Germany COBADEFF

GBP Standard Chartered Bank, UK SCBLGB2L

SGD DBS Bank, Singapore DBSSSGSG

CNY China Construction Bank Corporation, China PCBCCNBJ

THB Standard Chartered Bank, Thailand SCBLTHBX

KRW Woori Bank, South Korea HVBKKRSE

Corporate Profile 21 Branch Network Head Office #148, Preah Sihanouk Blvd, Sangkat Boeung Keng Kang 1, Khan Chamkarmon, , Kingdom of Cambodia Tel: 023 225 333 | www.ababank.com

Phnom Penh Branches

Borei Keyla 098 203 869 Mao Tse Tong 023 203 809 Saensokh 098 203 779 Central 098 203 199 Ou Baek K'am 098 203 799 Santhor Mok 098 203 469 Chbar Ampov 098 203 929 Operational Hall of Head Office 098 203 179 Stung Mean Chey 098 203 889 Chamkar Doung 098 203 597 Phsar Derm Thkov 098 203 689 Toek Thla 098 203 849 Chom Chao 098 203 939 Russey Keo 098 203 659 Toul Kork 098 203 859 Central Market 098 203 979 Samdech Sothearos 098 203 983 Tuol Tumpung Money Exchange 098 203 299 Independence Monument 098 203 001 Stade Chas 098 203 819

Provincial and District Branches

Angk 098 203 484 Kampong Chhnang 098 203 039 Ratanak Kiri 098 203 499 098 203 649 Kampong Thom 098 203 429 098 203 719 Battambang 098 203 839 098 203 479 Siem Reap 098 203 829 098 203 739 Kratie 098 203 049 Sihanoukville 098 203 899 Banteay Meanchey 098 203 759 098 203 639 S'ang District 098 203 369 Bavet 098 203 389 098 203 459 Svay Rieng 098 203 029 Chhuk District 098 203 729 Odongk District 098 203 379 Takeo 098 203 909 098 203 749 Paoy Paet 098 203 019 Takhmao 098 203 919 Kampong Speu 098 203 949 098 203 629 Tmar Kol District 098 203 789 Kampot 098 203 959 Phsar Leu (Siem Reap) 098 203 679 Tboung Khmum 098 203 769 098 203 619 Prey Veng 098 203 059 098 203 709 Kampong Cham 098 203 879 Pursat 098 203 969

22 Corporate Profile

#148 Preah Sihanouk Blvd. | Sangkat Boeung Keng Kang 1 Khan Chamkarmon | Phnom Penh | Kingdom of Cambodia (+855) 23 225 333 | www.ababank.com SWIFT: ABAAKHPP