CORPORATE PROFILE 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 Financial Results 10 General Information 12 Products and Services 12 Accounts 13 Loans Table of Contents 14 ABA Mobile App 15 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 iBanking For Business 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 ‘B+’ long-term credit rating from Dagong founded in 1996 as the Advanced Bank of Asia Limited. financial institution with around US$198 billion of Global Credit Rating Agency (Hong Kong) assets as of 31 October 2018 and huge network of Outlook: Stable In more than 20 years of development and growth, ABA has correspondent banks all over the world. National significantly strengthened its position in the market and broke Bank of Canada owns credit ratings from the world's ‘B’ long-term and short-term credit ratings into the top five commercial banks of the country. Today, we leading rating agencies: "A" from S&P, "A+" from from Standard & Poor’s (S&P) Global Ratings offer the entire spectrum of services to customer segments Outlook: Positive Fitch, and "A1" from Moody's. It is headquartered covering SMEs, micro businesses, and individuals. With more in Montreal and has branches in almost every than 65 branches, 165 self-banking kiosks, and 270 ATMs across Canadian province serving 2.7 million clients. the country, we reach out to a large amount of customers with In July 2014, National Bank of Canada entered ABA Bank’s National Bank of Canada is the sixth largest bank in an array of modern financial services. shareholders structure. In May 2016, National Bank of Canada Canada and the leading bank in Quebec where it is became the major shareholder of ABA holding 90% of the the partner of choice among SMEs. Its securities are ABA Bank has an effective and well-synchronized professional Bank’s shares. listed on the Toronto Stock Exchange. Clients in the team that is committed to maintaining and improving our United States, Europe and other parts of the world performance. Our international management team brings ABA Bank has been awarded as the country’s Best Bank for are served through a network of representative invaluable expertise and allows ABA Bank to comply with several consecutive years by the world’s most prominent financial offices, subsidiaries and partnerships. international standards of service and security. magazines – the Banker, Euromoney and Global Finance. 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 December 31, 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 Division IT Department Finance Department Treasury Department Retail Banking Division 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 Commercial Banking Department HR Operations Department HR Administrative Unit Employee Relations & Communication Unit Chief International Operations Officer Chief Digital Officer Chief Client Relationship Officer Head of Digital Technologies Research and Development International Operations Trade Finance Operations Central Branch Department Department Division Division Head of Digital & Innovations International Operations Priority Banking Development Department Division 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 Credit Officer Chief Card & E-Payment Officer Head of Cash Operations Division SME & Retail Loan Department Micro Business Loan Department Customer Service Department Terminal Department Cash Management Department Loan Monitoring & Credit Development & Merchant Support Department Dispute Resolution Department Cash Operation Service Department Recovery Department Training Department Credit Operation & Credit Risk Assessment Department Merchant Service Department E-Payment Department Cheque Clearing Department Management Department Payment Service Provider Operation Support Department Commercial Loan Department Collateral Management Unit Card System Department Relationship Unit Credit Quality Control Unit Card Personalization Department Head of Legal Department Head of Marketing Division Provincial Branch Manager Branch Manager Litigation Unit Offline Marketing Department Public Relations Department District Branch Manager Regional Manager Legal Administration Unit Digital Marketing Department Graphic Design 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 by Euromoney magazine. The Best Bank in Cambodia 2016 by Euromoney magazine. second award given to the bank rests on successful launch ABA Bank credited to receive the third consecutive award of new products, improved quality of service, and further for its dynamic growth, strategic partnership with National development of a risk management system. Bank of Canada and continuous efforts to deliver the latest 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