No. 148 Preah Sihanouk Blvd. | Sangkat Boeung Keng Kang 1 ... · Euromoney financial magazine. This...

No. 148 Preah Sihanouk Blvd. | Sangkat Boeung Keng Kang 1Khan 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

- Bank Guarantees

- Trade Finance

- Money Transfer

- Debit and Credit Cards

- Payroll Service

16 ABA Point Discount Program

17 ABA Priority

18 Ways to Bank with Us

19 Correspondent Banks

20 ABA Branch Network

21 Branches Location Map

1CORPORATE PROFILE

ABOUT ABA BANKABA Bank is one of Cambodia’s premier banking institutions founded in 1996 as the Advanced Bank of Asia Limited.

Having serviced the corporate and retail banking sectors in Cambodia for a number of years, ABA Bank also focuses on the micro- and small-medium enterprises (SME) sector; its aim is to provide the best service and financial terms and conditions to all Cambodian enterprises.

Currently ABA Bank provides the full range of financial products and services through the nationwide network of 25 branches with eight more branches scheduled to open in 2015.

A winner of Euromoney magazine 2014 Best Bank in Cambodia award, ABA prides itself in providing exceptional service quality, innovations and efforts for bringing the banking in Cambodia to the next level.

In 2012 and 2013, Asian Banking & Finance Magazine named ABA as Cambodia’s Domestic Technology and Operation Bank of the Year for offering some of the most technologically advanced banking services in Cambodia.

Shareholders structure

National Bank of Canada (www.nbc.ca) is a financial institution

rated “A+” and “A” by Fitch and Standard & Poor’s with around CDN$ 200 billion of assets as of July 31, 2014 and huge network of correspondent banks all over the world. It is headquartered in Montreal, and has branches in almost every Canadian province with 2.4 million personal clients. National Bank of Canada is the sixth largest bank in Canada and the leading bank in Quebec where it is the partner of choice among SMEs. Its securities are listed on the Toronto Stock Exchange (TSX: NA). National Bank of Canada became an ABA Bank shareholder on July 15, 2014.

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.

1996

25 BranchesABA Bank’s branch network currently extends to 25 nationwide. The Bank is expecting to have 41 branches by

the end of 2017.

Ethics & Morals – At ABA we take our social responsibility seriously. We apply the highest ethical and moral standards to each and everything that we do, inside and outside the Bank. It is these homegrown principles that form the basis of every relationship, with the customers and communities we serve as well as with our staff.

Our mission is to help Cambodia, Cambodian businesses and Cambodian people to build a bigger and brighter future for themselves and their country by providing highly professional, technologically-advanced banking services for all.

We see ourselves as working in partnership with the Cambodian community as well as with private businesses and individuals. We are here to serve Cambodia.

VISION, MISSION, VALUESOur Vision

Our Values

Our Mission

The vision of our Bank is to be the country’s number one supplier of dependable, easy-to-use, technologically advanced and easily accessible banking services. We want to be the bank that Cambodians trust to take care of all their personal and business banking needs.

Honesty & Respect – At ABA we make it our responsibility to treat each and every customer with honesty and respect.

Contributing – At ABA we aim to make a positive contribution to Cambodia. We want to play a beneficial role in the lives of our customers as well as for the future of the country as a whole.

Trust & Partnership – At ABA we are there to offer help and assistance. We see ourselves as partners that our customers can always trust.

Sustainability & Growth – At ABA we are always thinking about the future of our Bank, the Cambodian people and the country. We show the same level of commitment to our staff as we do to our customers. It is with this approach that we ensure the sustainable growth of the Bank.

Service quality – At ABA we strive to find solutions to all banking needs. Our aim is to provide the most technologically advanced, reliable banking services to all of our Cambodian customers - be they personal or business account holders.

2 CORPORATE PROFILE 3CORPORATE PROFILE

ORGANIZATIONAL CHART

Shareholders

Board of Directors

Department

Head of InternationalRelations Department

Financial InstitutionsDepartment

Documentary Operations, Correspondent Accounts and

SWIFT Department

cer

Marketing CommunicationsDepartment

Public Relations Unit

ABA Point ProgramUnit

Asset & LiabilityManagement Committee

Chief Financial O�cer

Accounting Department

Treasury Department

Executive Director

Deputy CEO

Credit Department

Micro BusinessLoan Department

ReportingDepartment

Loan RecoveryDepartment

Chief Credit O�cer

Credit Committee

cer

Customer ServicesUnit

Clearing & SettlementUnit

ATM & POS TerminalUnit

IT Support Unit

Chief ClientRelationship O�cer

Central Branch

Priority Banking

I T Department

Administrative Department

Security Department

Chief Technology & Infrastructure Development O�cer

Chief Cash cer

Cash ManagementDepartment

Clearing Unit

HR Committee

HR Operations Unit

Recruitment Unit

Head of Human ResourcesDepartment

Training Unit

Head of Internal Audit Department

Audit CommitteeCredit Committee

Product & Business ProcessDevelopment Committee

Chief BusinessDevelopment O�cer

Sales & Service Department

Business ProcessDevelopment Department

Call Center

Risk ManagementCommittee

Chief Risk &Compliance O�cer

Risk ManagementDepartment

Compliance Control Department

cer

Collateral Management Unit

Branch Managers

Department

Head of Legal Department

Legal Administration Unit

LetigationUnit


AWARDS

Cambodian Retail Bank of the Year by Asian Banking and Finance magazine. This Award given based on ABA Bank’s commitment to deploying advanced banking technologies (iBanking) for the benefit of its customers.

2011

Cambodia’s Domestic Technology and Operation Bank of the Year by Asian Banking and Finance magazine. ABA Bank received the award for its continuous work on the innovation and development of technologically improved services to better serve its customers and to maintain their loyalty.

2012

Cambodia’s Domestic Technology and Operation Bank of the Year by Asian Banking and Finance magazine. ABA Bank was credited to receive the award for improvements in the IT system and implementation of cash-in machines, which allow clients to replenish their deposit accounts or repay loans with cash 24/7.

2013

Performance Excellence Award from Standard Chartered Bank for excellent Straight Through Processing (STP) rate in USD payment in 2013.The award is given to the selected banks, which manage to be precise and accurate in terms of processing payments via SCB as its correspondent bank.

2014

Best Bank in Cambodia for 2014 award by Euromoney financial magazine. This is the first such award that Euromoney has bestowed on a bank in the Kingdom of Cambodia. Euromoney awards are considered to be given to institutions that demonstrate high service quality, innovation, and momentum in the markets where they excel.

2014

HSBC Global Payments and Cash Management 2010 Golden Award. The Award given to ABA Bank based on its excellent standard of international payments and cash management in 2010.

2010


FINANCIAL HIGHLIGHTS SIMPLIFIED FINANCIAL RESULTS

US$ 463 MillionAssets

2011 2012 2013 2014Q3

201265

323

463(mm, US$)

2011 2012 2013 2014Q3

2.0

3.44.0

5.2

US$5.2 Million

(mm, US$)

2011 2012 2013 2014Q3

166224

277

393

US$ 393 Million

Deposits

(mm, US$)

2011 2012 2013 2014Q3

93141

179

256

US$ 256 Million

Loans

(mm, US$)

54,000 Accounts

2011 2012 2013 2014Q3

2635

4254

(’000)

No. of Accounts

2011 2012 2013 2014Q3

34.1 37.5 41.5

61.8

US$ 61.8 Million

Shareholders’ Equity

(mm, US$)

2011 2012 2013 Q3 2014

Profit and Loss (US$ million)

Net Interest Income 6.4 8.5 11.4 12.4

Net Fee & Commission Income 2.1 2.9 4.5 4.8

Net Profit 2 3.4 4.0 5.2

Balance Sheet

Total Deposits 165.6 224.2 276.9 393.2

Total Gross Loan 93.1 141.3 179.3 255.9

Share Capital 36 36 36 51

Total Assets 201.5 265 323 463

Key Performance Indicators

Profitability

ROAE, % 6.10 9.50 10.20 13.53

ROAA, % 1.10 1.50 1.40 1.78

Net Interest Margin, % 5.50 4.60 4.90 5.38

Cost/Income, % 67.10 60.80 59.00 57.05

Funding and Liquidity

Liquidity, % 66.80 56.30 50.60 51.00

Credit Deposit Ratio, % 56.20 63.00 64.70 65.10

Liquid Assets/Total Assets, % 28.00 22.40 20.60 19.00

Capitalization

Solvency Ratio, % 20.00 17.10 16.20 15.24

Equity/Total Asset, % 16.90 14.10 12.80 13.34

Asset Quality

NPL/Total Loan, % 3.40 2.50 3.60 1.20

Provision/Total Loan, % 1.80 1.60 2.00 1.33

General Information

HO of Branches 10 11 17 25

No. of Staff 224 313 444 646

ATM Machines 32 41 57 78

POS Terminals 115 146 163 213

Number of Depositors 25,863 35,208 41,885 54,462

Number of Borrowers 1,456 2,959 4,650 7,247


GENERAL INFORMATION

64625

Number of Branches

2011 2012 2013 2014Q3

10 11

17

25

7,247

2011 2012 2013

1,4562,959

4,650

7,247

2014Q3

Number of Employees

2011 2012 2013 2014Q3

224313

444

646

Number of Depositors

54,462

2011 2012 2013 2014Q3

25,86335,208

41,885 54,462

Number of Borrowers Number of ATMs

78

2011 2012 2013 2014Q3

3241

57

78

Number of POS Terminals

213

2011 2012 2013 2014Q3

115146 163

213

Number of Issued Cards

35,487

2011 2012 2013 2014Q3

16,346 18,511

26,189

35,487

Number of iBanking Users

21,148

2011 2012 2013 2014Q3

4,6257,804

13,985

21,148

Depositors Borrowers

Branches Employees

ATMs POS Terminals

Issued Cards iBanking Users


PRODUCTS AND SERVICES

Accounts at a glance

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.

Savings Current Plus Current Flexi Deposit Fixed Deposit

Purpose Transactional and saving Transactional Transactional Saving Saving

AccessibilityBranch, iBanking,

ATM, POS terminal

Branch, iBanking, ATM, POS terminal

Branch, iBanking, ATM, POS terminal

Branch, iBanking Branch, iBanking

Debit cards (ATM, Visa, MasterCard)

P P P

Credit cards* (Visa, MasterCard)

P P P P P

Minimum opening deposit

$20 $500 $100$100;

$5,000; $10,000

$100

Minimum ongoing balance

$20 $100 $20$100;

$5,000; $10,000

-

Interest payment Semi-annual Quarterly No Quarterly

Monthly;At maturity;On account

closure

Currency USD USD USD, KHR USD USD

* Terms and conditions apply.

Microbusiness Loan If you just started to grow your business, an ABA Microbusiness Loan with attractive interest rate is ideal to fund your long-term projects. Loan amount can be up to USD 50,000.

Consumer LoanIf you are looking to buy a vehicle, a motorcycle, or even a house, ABA consumer loans are here to help you. We offer flexible terms and competitive rates to make the buying process easier. Once you’ve chosen a purchase, we’ll work with you to arrange your financing with comfort.

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!

Corporate LoanWith ABA Corporate Loan it is much easier to grow your business. It is designed for covering investment needs, working capital, operational needs and more. Loan amount is over USD 2,000,000.

Business LoanWith financing purpose on working capital needs, operational needs, trade & financing needs and loan amount from 50,000 USD to 2,000,000 USD, Business Loan from ABA is a great source of funding for expanding and developing new business.

Loans

Guarantee is an irrevocable undertaking of the issuing bank (guarantor) to pay to the guarantee receiver (beneficiary) if certain obligations of the applicant are not fulfilled or fulfilled partially.

ABA Bank is ready to issue any type of guarantees including:

n Bid bonds

n Performance bonds

n Advanced payment guarantees

n Payment guarantees

Bank Guarantees

ABA Bank offers different payment methods and a wide range of instruments used in international export and import operations aimed to reduce the most-to-all risks for both buyers and sellers.

We are ready to offer you individual turnkey solutions to support and expand your international business relationships. Our services include letters of credit, standby letters of credit, and many other trade finance instruments. We are happy to assist you in every stage of your export-import activities starting from the contract negotiation to money receipt.

Trade Finance$$


ABA offers the following transfer services for both personal and business needs. Our international payment network of correspondent banks worldwide enables us to send and receive funds securely, quickly and directly to your ABA account.

Domestic TransfersBasic features for transferring funds between ABA Bank and any Cambodian bank. We have partnership ties with all banks in Cambodia, so your funds will transfer within one business day.

International Telegraphic Transfer Quick transfer of money from/to abroad for individual persons or corporations through ABA network of 16 correspondent banks. With telegraphic transfers, your funds will transfer to the recipient’s account quickly and securely. ABA Bank SWIFT code: ABAAKHPP.

International Instant Money Transfers ABA is a member of different instant money transfer systems. As of August 2014, the Bank participates in MoneyGram, MoneyGrado, DBP Remittance, GCash and IME money transfers. The main advantage of instant money transfers is possibility to send and receive funds within minutes between different countries.

MoneyGram service allows sending and receiving money worldwide through a global network of third-party agents that use MoneyGram system.

MoneyGrado, DBP Remittance and Gcash target Fillipino community living in Cambodia and present them with preferable rates for sending money to the Philippines.

IME (International Money Express) money transfer system cater the needs of those who frequently transfers money between Cambodia and Malaysia.

Money Transfer$$

ABA Bank has a whole array of credit and debit cards designed to meet the needs of modern day Cambodians: from simple ATM card to Gold cards. Low transaction fees and attractive discount schemes are just some of the value-added services available to our ABA cardholders.

Debit cards

MasterCard and VISA Debit cards can be used at ATMs to withdraw cash in the country and overseas, and for making daily purchases. Our international MasterCard & VISA cards are accepted by PayPal and can be used for online payments in major online stores. You can set daily transaction and withdrawal limits, and it is also possible to link multiple cards to the account and set separate limits to each card.

Credit cards

ABA Bank issues international MasterCard and VISA credit cards that are accepted all over the world. A credit card gives you important possibility to use credited amount from the Bank’s

Our integrated payroll service is a great opportunity for the business with a large number of employees that can reduce costs, eliminate paperwork and improve security. You no longer need to arrange cash or issue checks anymore.As a part of the payroll project, we issue free ATM cards for your employees to provide an instant 24/7 access to their funds through our ATM network.

Debit and Credit Cards

Payroll Service

funds when you urgently need it. The clients who open ABA Current Account, Savings Account, Fixed Deposit or Flexi Deposit with minimum opening amount USD 3,000 are eligible to get a free Credit Card with credit limit varying from USD 500 up to 90% of blocked deposit amount (Terms and Conditions apply).

Another advantage of using ABA Bank cards is participation in ABA Point discount program.

ABA MasterCard or VISA cards are protected with 3D-Secure system. The 3D-Secure system provides an extra layer of protection when making transactions online. This technology is available for both MasterCard and VISA cards while making purchases through the websites protected by “MasterCard Secure Code” and “Verified by VISA” security systems. ABA became the first Cambodian bank to launch 3D-SECURE service for its cardholders.

ATM Card

Visa Business

MasterCard Standard

Visa Classic

MasterCard Gold

Visa Gold

China UnionPay cards

In early 2014, ABA Bank started to accept China UnionPay (CUP) payment cards in all ATMs, as well as process them in its POS terminals across Cambodia. Therefore, now all CUP cardholders can easily withdraw cash and make purchases throughout the Kingdom with ABA. In the nearest future, ABA will become an issuing bank for CUP, so more and more bank’s clients will have an opportunity to join one of the largest payment systems in the world.

POS terminals

POS terminals of ABA Bank can make running of the business even easier: the terminals allow retail locations to accept card payments momentarily after the terminal checks the availability of the funds on the card online. The benefits for the customer (payment is easier, more comfortable and quicker) can both increase the competitiveness of a company and increase sales. Another benefit for a company using POS terminal is lower payment transaction costs since the payment is directly credited to the company’s bank account.


ABA Bank is proud to present its own discount program for valued cardholders – ABA Point.

With sophisticated banking experience and ever growing network, ABA Bank in partnership with selected merchants across the country gives you the discount benefits that enlarge the possibilities of your ABA cards and enliven your lifestyle. From your everyday needs to leisure activities, ABA Point discount program covers all aspects of purchasing convenience.

How it works:

n Choose from our list of Merchant Partners under the following category: Food & Entertainment; Shopping & Retail, Health & Beauty, Electronics & Home Appliances, Travel & Accommodation, Education & Institution and Construction Supplies;

n Show any of your ABA cards on the counter;*

n Avail discount on your total purchase**

*Special rates apply for ABA Priority cardholders.

**Terms & conditions apply.

What benefits you get:

n Dedicated and attractive discounts;

n Around 200 merchants across the country;

n Any of the ABA Card is eligible;

n Discount given after showing or swiping a card based on merchant’s payment rule.

Become an ABA cardholder now and avail this fantastic privilege!

ABA POINT Discount Program

Expanding the boundaries of banking services and wishing to offer our customers maximum flexibility, we have launched the service of priority banking. With ABA Priority, we offer a full range of banking and ancillary services that will not only meet but also exceed your expectations.

You are privileged for special arrangement since you arrival to our office in Phnom Penh, from all-the-time available parking space, welcoming and guiding services, luxurious and modern-designed banking premises with varieties of facilities. You will be immediately served by highly professional and trained staff who understands your historical needs and is helpful in finding solution to any banking needs of yours.

As a Priority Customer, you will be entitled for special privileges on many products and services, from interest rates of your deposit or loan, structured fees for your inward or outward payments and our exclusive extension of banking services and others.

With ABA Priority membership, you also can enjoy special discounts from our premium partners, including, dining, shopping and spa or rejuvenation options.

ABA PRIORITY


ATMs

Up to now, ABA Bank has 78 ATMs across the country, and the number is growing rapidly. There is more to ATMs than just withdrawing cash, as you also can:

n Check your account balance;n Transfer funds between accounts;n Pay bills, including mobile top-up, Internet bills, utilities, etc.

Cash-in machines

Cash-in machines help ABA clients to pay for the services of different providers, as well as make cash deposits to ABA Bank accounts without visiting Bank offices. All transactions made via cash-in machines instantly displayed on clients’ accounts with the respective service provider or at ABA Bank’s accounts.Cash-in machines run 24/7 and allow top-up of ABA accounts regardless of the bank branches’ business hours.

E-service

Available 24/7 ABA’s iBanking allows you to use the Internet to carry out all financial transactions from checking account statements to making payments and transferring funds. It is easy to set up and use, and allows you to do all of your day-to-day banking without visiting a bank branch. Another technological advantage of ABA is SMS and E-mail alert service. Upon simple registration, you will be able to receive free SMS or e-mail alerts whenever a transaction takes place, wherever you are.

Contact Centre 24/7

You can address all your inquiries and requests regarding ABA Bank’s products and services to our experienced Contact Centre Specialists. Should you block a stolen, lost card or discover business hours of the nearest branch, please contact us 24/7 at 023 225 333 and get help from ABA Bank staff!

WAYS TO BANK WITH US CORRESPONDENT BANKSAs the most technologically advanced bank in Cambodia, ABA Bank offers a full range of modern and convenient banking channels to allow you to do your banking where and when it is most convenient for you.

ABA Bank has correspondent banking arrangements with different reputed international banks in different parts of the globe to deal in most of the currencies of the world. Trade related payments and personal remittances are transacted through these accounts in the respective currencies. Wherever you are, your funds can reach us through our correspondents listed below.

The following is the list of our correspondent banks for different currency, which can be used to facilitate the payments to and fro ABA bank accounts.

Currency Correspondent Bank Name Swift Code

USD Banque Nationale du Canada, Canada BNDCCAMMINT

EUR Commerzbank AG, Germany COBADEFF

USD DBS Bank Ltd., Singapore DBSSSGSG

SGD DBS Bank Ltd., Singapore DBSSSGSG

USD Korea Exchange Bank, South Korea KOEXKRSE

USD Standard Chartered Bank, Singapore SCBLSGSG

USD Standard Chartered Bank, USA SCBLUS33

USD Deutsche Bank Trust Company Americas, USA BKTRUS33

USD Mashreqbank, Hong Kong MSHQHKHH

EUR Mashreqbank, UK MSHQGB2L

THB Standard Chartered Bank, Thailand SCBLTHBK

USD Kookmin Bank, South Korea CZNBKRSE

USD DBP, Philippines DBPHPHMM

PHP DBP, Philippines DBPHPHMM

GBP Standard Chartered Bank, UK SCBLGB2L

CNY China Construction Bank Corporation, China PCBCCNBJ

USD Vietcom Bank, Vietnam BFTVVNVX


ABA BRANCH NETWORK BRANCHES LOCATION MAP

CURRENT NETWORK

NETWORK EXPANSION PLAN 2015-2017

Siem Reap

Phnom Penh

Kompong Cham

Battambang

Samrong

Banlung

Kratie

Stung Treng

Kampong Thom

Tbeng

KampongSpeu

SvayRieng

PreyVeng

SkunSvong

Memot

Sen Monorm

Takeo

Koh Kong

KampongChhnang

Pursat

Pailin

Sisophon

Sihanoukville

Kampot

Takhmao

Paoy Paet

NAME ADDRESS CONTACTSPHNOM PENH BRANCHES

Head Office branchNo. 148, Preah Sihanouk Blvd., Sangkat Boeung Keng Kang I, Khan Chamkamorn

Tel: (+855) 23 225 [email protected]

Borei Keyla branchCorner Street 134 & 169, Sangkat Vealvong, Khan 7 Makara

Tel: (+855) 98 203 869 [email protected]

Central branch No. 443A, Preah Monivong Blvd, Sangkat Beoung Prolit, Khan 7 Makara


Mao Tse Toung branchNo. 151 E0-E1-E2 Mao Tse Toung Blvd., Sangkat Boueng Keng Kang 3, Khan Chamkarmorn


Stade Chas branchNo. 26AE0-E1-E2 Street 70, Sangkat Srah Chak, Khan Daun Penh


Toek Thla branchNo. A39-A41, Street Russian Blvd., Sangkat Toek Thla, Khan Sen Sok


Toul Kork branchNo. 10A, Block A7E0123 and A8E0123 St, 289 Corner 516, Sangkat Beoung Kok I, Khan Toul Kork


Stung MeanChey branchNo. 20B & 21B, Street 217 ( Monireth), Sangkat Stoeung Mean Chey


Chom Chao branchNo. 824, Street National Road 4, Prey Prenhcheng Village, Sangkat Chom Chao, Khan Dangkor


Chbar Ampov branchNo. 601, Street N. road 1, Village Deom Sleng, Sangkat Chbar Ampov 2, Khan Mean Chey

Tel: (855) 98 203 [email protected]

Sothearos branch (Opposite Aeon Mall)

No. 167, Street Samdech Sothearos Blvd, Sangkat Tonle Bassac, Khan Chamkarmorn


Central market sub-branchNo. 60E0, Street 136, District Phsar Thmey 3, Commune Daun Penh


PROVINCIAL BRANCHES

Battambang branchNo. 205-207, Street 3, Kamakor Village, Svay Por Commune, Battambang City, Battambang Province


Kampong Cham branchNo. 31, Preah Monivong Street, Sangkat Kampong Cham, Kampong Cham City, Kampong Cham Province


Siem Reap branchNo. 01-04, Tep Vong St., Mondul II Village, Svay Dangkum Sangkat, Siem Reap


Sihanoukville branchNo. 131, Villageg 01, Street Ekreach, Mittapheap, Sihanoukville


Takeo branchNo. 1782, National Road 2, Lo Rie Village, Roka Knong Commune, Daun Keo District, Daun Keo Town, Takeo Province


Takhmao branchNo. 530, Street 107/21, Sangkat Takhmao, Krong Takhmao, Kandal Province


Kampong Speu branchN0. 346, Street National road 4, Village: Peanichkam, Commune/ Sangkat Rokathom, District /Khan Chbamorn, Kampong Speu


Kampot branchNo. 14, Road Ek Reach, Village 1 Ousaphea, Commune Kampong Kandal, Kampot Town, Kampot Province


Pursat branchNo. 637-638, National Road 5, Village Ra, District Phtas Prey, Pursat Town, Pursat Province


Kampong Thom branchNo. 019, National Road 6, Village Kampong Krabao, Sangkat Kampong Krabao, Steung Sen Town, Kampong Thom Province


Kampong Chhnang branchNo. E614, National Road 5, Village Srae Pring, Sangkat Kampong Chhnang, Kampong Chhnang Town, Kampong Chhnang Province


Paoy Paet branchNo. A092, National Road 5, Village Palelay 2, Paoy Paet Town, Banteay Mean Chey Province


Svay Rieng branchNo. 20, National Road 1, Village Raob Kor, Sangkat Prey Chlak, Svay Rieng Town, Svay Rieng Chey Province


25 2014 338Total Number of

Branches in 2014New BranchesOpened

Total number of branches in 2015


No. 148 Preah Sihanouk Blvd. | Sangkat Boeung Keng Kang 1 ... · Euromoney financial magazine. This...

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