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ABA BANKCorporate Presentation

2016 

ABA at a Glance

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Major shareholder: National Bank of Canada 6th largest bank in Canada US$ 173 billion in assets (July 31, 2016)  S&P: A, Fitch: A+  First North American Financial Institution to issue Panda Bonds 

(RMB 3.5 bln in 2016)

In USD, mln 2016 2015 2014 2013

Assets 1,097 806 505 323

Loan portfolio 789 482 272 179

Deposit portfolio 856 654 433 277

Equity 128 100 64 42

Net profit 28,1 15,9 7,5 4,0

NPL, % 0,2 0,1 0,3 3,7

ROE, % 24,6 19,5 14,2 10,3

ABA Network2016 2015 2014 2013

Employees 1,678 1,017 695 444

Branches 42 33 25 17

ATMs 167 128 92 55

Cards 110,668 63,054 39,285 26,189

Accounts 159,130 92,732 56,431 36,984

90%

ABA Financial Highlights

Lending Strategy: Focus on Micro‐Business and SME Loans

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Client Segments

Retail clients

Low income clients

Corporate clients

Large SMEsand family businesses

Micro businesses andSMEs (MSME)

Execution

� Leverage on branch network in major provinces

� Marketing communication mix (direct, TV, radio)

� Partnerships with local payment companies 

� Effective lending business processes adapted to Cambodian economy

� Focus on quality and motivation of staff

Products

Micro SME loans

$5K ‐ $50K

Small SME loans

$50K‐ $500K

Medium SME loans

$500K ‐ $1M

Ranks among the top commercial 

banks

Named as the “Best Bank 

in Cambodia”

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36 commercial banks in Cambodia 

ABA Bank Ranking 2012

ABA Bank Ranking 2015

Assets #11 #6Deposits (Retail) #6 #4Loans #9 #6ROE #8 #3Branch network #7 #3ATM network #6 #2Employees #5 #4Cards  #7 #5

8 local 28 foreign

The Banker 2014 Euromoney 2014 Euromoney 2015 Euromoney 2016Global Finance 2015 Global Finance 2016

Favorable Competitive Positioning

The Banker 2016

Nationwide Branch Network

6‐8 new branches opened annually since 2012

9 new branches opened in 2016

42 branches today  14 in Phnom Penh* 28 in Provinces

* +1 Head Office

66 outlets by 2020

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Extensive International Relations

PAYMENT SYSTEMS MONEY TRANSFER SYSTEMS

CORRESPONDENT BANKS

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Fastest Growing Trade Finance Bank

in Cambodia 2016

Relationship and Excellent Cooperation

Award 2015

Outstanding Performance

323

505

806

1,097

42 64 100 128

2013 2014 2015 2016

Assets and Equity, US$ mlnAssets

Equity

277

433

654

856

176268

478

789

2013 2014 2015 2016

Loans and Deposits, US$ mlnDeposits

Loans (net)

4.07.5

15.9

28.1

2013 2014 2015 2016

Net Profit, US$ mln

10.3

14.2

19.5

24.6

1.4 1.8 2.3 3

2013 2014 2015 2016

Profitability Ratios, % 

RoE RoA

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State‐of‐the‐Art Digital and Self‐Banking Platform

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Mobile BankiBanking

Social Media

WebsiteLive‐chat

Call Centre

ATM

Client‐centredapproach

Self‐ServiceBanking Kiosk

24/7 instant cash deposit to any ABA Bank account and bill payments to various providers

Advanced Internet Banking service for retail and corporate customers

The first in Cambodia full‐scale mobile banking app for banking on the go

Round‐the‐clock call centre for expert support and emergency cases

The largest Facebook page in Cambodia among banks

Fully responsive website to deliver the latest info on ABA Bank’s financial solutions

iBanking Service2014 2015 6M2016 2016

Number of users 26,941 42,929 51,773 65,250Transactions amount (USD, ‘000) 456,373 915,830 1,230,985 1,571,197Transactions number 312,188 538,681 643,683 744,749

ABA Mobile App2014 2015 6M2016 2016

Number of users 0 11,488 24,705 43,918Transactions amount (USD, ‘000) 0 35,322 118,854 885,486Transactions number  0 136,138 458,189 1,156,465

ATM & Cards2014 2015 6M2016 2016

Number of ATMs 92 128 140 167Number of Cards 39,285 63,054 82,736 110,668

Growing Digital and Self‐Banking Penetration

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Loan Portfolio Diversification

100% collateralized

100% US$‐denominated

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36%

30%

14%

5%

4%2%

9%

92%

3% 5%

94%

3% 3%

39%

4%

52%

2% 3%

LOANS BREAKDOWN BY INDUSTRYLOANS BREAKDOWN BY AMOUNT

LOANS BREAKDOWN BY CLIENT SEGMENT LOANS BREAKDOWN BY COLLATERAL

TradeServiceReal estateManufacturingAgricultureFIOthers

< US$ 500KUS$ 500K – 1 M˃ US$ 1 M

SME ($50K ‐ $2 M)Commercial (˃ $2 M)Micro business (< $50K)FIRetail & Other

Real estateCashMovable assets

MSME91%

Deposit Portfolio Diversification

Diversified portfolio with 99% 

of depositsUS$‐denominated

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DEPOSITS BY AMOUNT DEPOSITS BY TYPE

72%

21%

7%

26%

12%

25%12%

25%

US$ 500K – 1M

Retail

Corporate

FinancialInstitutions

US$ 50K – 100K

US$ 100K – 500K

< US$ 50K

˃ US$ 1M

Deposits for less than US$ 500K constitute 63% of the portfolio

Total number of depositors: 141,734, including 139,175 (98%) having deposits for less than US$ 50K

THANK YOU!

Head Office#148, Preah Sihanouk Blvd., Sangkat Boeung Keng Kang I, Khan Chamkarmon,12302 Phnom Penh, Kingdom of Cambodia

Contacts:Phone: +855 23 22 53 33E-mail: info@ababank.comSWIFT: ABAAKHPP