No. 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 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 Ocer Development Committee Risk Management Department Compliance Control Department Chief Cash Chief Business Head of Human Resources Chief International Chief Financial Ocer Chief Credit Ocer Chief Marketing Ocer cer Development Ocer Department Relations Ocer 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 Ocer Branch Managers Relationship Ocer 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.