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BACKGROUND

Brief Overview ACLEDA Bank Plc. is a public limited company, formed under the Banking and Financial Institutions Law of the Kingdom of Cambodia. 1993-2000 : National NGO 2000-2003 : Specialized Bank 2003-Present : Commercial Bank

At the end of September, 2013, ACLEDA Bank Plc. has extended to 238 offices, which are located in all provinces and towns in Cambodia. ACLEDA Bank also expanded its subsidiary like: ACLEDA Training centre located in Phnom Penh, ACLEDA Security Plc, located in Phnom Penh ACLEDA Bank Lao Ltd in Lao country, and ACLEDA MFI Myanmar in Myanmar country.

Today ACLEDA Bank Plc is offering the E-Banking, Credit, Deposits, Local and International Funds Transfers, Trade Finance, Cash Management, Money Exchange, and a lot of other banking services.

Vision & Mission Vision Mission ACLEDA Bank's vision is to be Cambodia's leading commercial bank providing superior financial services to all segments of the community. Mission Our mission is to provide micro, small and medium entrepreneurs with the wherewithal to manage their financial resources efficiently and by doing so to improve the quality of their lives. By achieving these goals we will ensure a sustainable and growing benefit to our shareholders, our staff and the community at large. We will at all times observe the highest principles of ethical behaviour, respect for society, the law and the environment.

PURPOSE OF THE TRAINING : Enable participants to know about: Bank Loan Achievement ACLEDA bank loan products & services  How to apply for the loan?

Achievement as of September 30, 2013

Loan Achievement :

Break down by sectors D t

ACLEDA Bank loan products

Credit is classified into the following categories: Micro Business Loan Small Business Loan Medium Business Loan Overdraft Loan Revolving Credit Line Trade Loan Credit Line Personal Loan Public Housing Loan Home Improvement Loan Car & Motorbike Loan Visa Credit Card Loan for Financial Institution…

Loan Sectors:  Animal husbandry  Fishery Production Service Trade Personal Housing Loan Real Estate

Loan types: Loan is classified into 3 types:  Khmer Riel currency (KHR)  Thai Bath currency (THB) US Dollar currency (USD)

ACLEDA Bank loan policies in summary

Micro Business Loan ACLEDA Bank Plc offers Micro Business Loan to both individual and group. For Individual Currency type in KHR THB and USD Loan period up to 12 months for loan size: up to KHR400,000 or up to THB4,000 Loan period up to 24 months for loan size: greater than KHR400,000 to KHR10,000,000 or greater than THB4,000 to THB100,000 Loan period up to 24 months for loan size up to USD2,500

Micro Business Loan (Cont.) For Group Member Organize a group of 2 to 10 people Currency type in KHR and THB Loan period up to 12 months for loan size: up to KHR400,000 per member or up to THB4,000 per member Loan period up to 24 months for loan size: greater than KHR400,000 up to KHR5,000,000 per member or greater than THB4,000 up to THB50,000 per member

Small Business Loan ACLEDA Bank Plc offers Small Business Loan for individual only. Currency type in KHR THB and USD Loan period up to 2 years for loan size: greater than KHR10,000,000 to less than KHR40,000,000 or greater than THB100,000 to less than THB400,000 or greater than USD2,500 to less than USD10,000

Small Business Loan (Cont.) Loan period up to 3 years for loan size: from KHR40,000,000 to KHR120,000,000 or from THB400,000 to THB1,200,000 or from USD10,000 to USD30,000

Medium Business Loan ACLEDA Bank Plc offers Medium Business Loan for individual. Currency type in KHR, THB, and USD Loan period up to 5 years for loan size: greater than KHR120,000,000 or greater than THB1,200,000 Loan period up to 6 years for loan size greater than USD30,000 up to 5% of bank net worth.

Overdraft Loan ACLEDA Bank offers Overdraft loan for clients to keep their business going. Overdrafts would be absolutely helpful for any emergency and unpredictable event. This product is require turnover rate (Cash in and Cash out) at least 50% of used amount. Currency Type, Credit Line, and Loan Period Currency type in KHR, THB, and USD; Credit Lines are due for those loans amounting from USD5,000 up or equivalent to KHR or THB Loan period up to 360 days (1 year).

Revolving Credit Line Revolving Credit Line is a type of Credit Service, where the borrower can withdrawal up to credit limit and the term specified in the Credit Line agreement. Our customers may opt to repay at the end of loan period. No need turnover rate like overdraft loan. Currency Type, Credit Line, and Loan Period This credit is provided in KHR, THB, and USD Credit lines are due for those loans amounting from USD10,000 up or equivalent to KHR or THB The maximum loan period is up to 12 months (1 year).

Trade Loan Trade Loan is a loan provided to client to support their export or import operation of legal goods such as raw materials, unfinished products or finished products, etc. Trade Loan categories: Import and Export Loan Import Loan: Loan Against Trust Receipt (LATR) Import Loan (IML) Loan Against Import (LAI)

Trade Loan (Cont.) Export Loan: Pre-Shipment Loans / Packing Credit (Pre-Shipment Facilities) Credit Bills Negotiation 'CBN' / Bill Collection 'BC' (Post-Shipment Facilities) Outward Bills 'OB' (Post-Shipment Facilities)

Credit Line Credit Line Service is a maximum credit line promised by ACLEDA Bank depending upon your creditworthiness. Credit Line is not yet a credit unless you make withdrawals. Currency Type ACLEDA Bank offers this service in KHR, THB, and USD. Advantages Have opportunities to use our Credit and other services; Have source of capital for using to meet all your requirements. Reduce interest spending since you pay it only on credit balance; Promote trust between seller and buyer. Increase your opportunities in Business. Ease your cash flow.

Personal Loan ACLEDA Bank Plc offers this loan to customers with personal use only not to expand the business. Currency Type, Loan Size, and Loan Period Currency type in KHR, THB, and USD; Loan period up to 2 years for loan size below USD10,000 or equivalent to KHR or THB. Loan period up to 3 years for loan size from USD10,000 to USD30,000 or equivalent to KHR or THB. Loan period up to 5 years for loan size greater than USD30,000 or equivalent to KHR or THB.

Public Housing Loan Housing loan is a long-term loan that let any qualified customer own a house that was completely built or being built, or build new house on their own land. Currency, Loan Size, and Loan Period Housing loan is provided in US Dollar only ACLEDA Bank provides housing loan up to US$200,000 but not more than 70% of the house price. Maximum of loan period is 10 years.

Home Improvement Loan ACLEDA Bank would like to introduce a bank product — Home Improvement Loan — to you so that you can use for renovating your house that would allow you and your family to live comfortably in prosperity. Currency, Loan Size, and Loan Period Home Improvement Loan is provided in USD or KHR Loan size is up to US$100,000 or equivalent to KHR Loan period is up to 5 years and will not exceed your retirement age or over 60 years of age (until the end of loan repayment)

Car Loan Car Loan is a kind of loan ACLEDA Bank offers to customer who has a regular income to get a car for personal or family use. ACLEDA Bank offers car loan in US dollar You can use the car loan to buy a brand-new car or used car which is 10 years old or less from its producing year You can enjoy loan period up to 4 years, You can get the loan amount of: up to 80% of your dream car price, if using a house or land as collateral up to 60% of your dream car price, if using a buying car as collateral

Motorbike Loan Motorbike Loan is provided to you who have a regular income to get a motorbike for your family or business. Motorbike Loan is provided in US Dollar ACLEDA Bank offers Motorbike Loan up to US$2,500 but no more than 80% of the motorbike price (if using the buying motorbike as collateral) and up to 100% of that (if using land or house as collateral) Maximum of loan period is up to 3 years

Visa Credit Card ACLEDA Visa credit card is a type of credit lines that offers customers individual or a company / institution to be able to pay for all goods / services, or withdraw cash through ATM machines or POST worldwide even though your account not enough or zero balance. Currency, Loan Size, and Loan Period Loan is provided in USD only Loan size is up to US$20,000 Loan period is up to 3 years

Loan for Micro Finance Institute ACLEDA Bank offers loan to any MFI that need fund to support their operation. Currency, Loan Size, and Loan Period Loan is provided in USD, THB and KHR Loan size is base on Credit Limit-MFI (Approved by Member of Credit Committee) Loan period is up to 3 years for Medium Loan and 1 year for Credit Line and Revolving Credit Line.

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Loan Requirements

Loan Requirement Have own residential address Have own legal business Willing to pay back to ACLEDA Bank Have own capital at least 20% Have a potential business with good status, legal profitability Having document presenting your fixed assets, inventory, or other effective documents to deposit as collateral Have a Bank Account opening with ACLEDA Bank Plc; Offer your income statement and balance sheet Credit officer will help you to fill in a loan application form

How to apply for the loan?

How to apply for the loan? With 238 offices of ACLEDA Bank Plc, all customers really easy to meet of their need, information, recommendation, advice, or apply for the loan. By the way they are also can contact to our officers directly by phone call, E-mail or/and log in ACLEDA Bank web side: www.acledabank.com.kh All clients should be show us: Loan purpose Loan size or loan amount Loan type Loan term Contact detail (address, phone number, e-mail…)

Contact Person Name: Mr. Phom Sophanna AVP & Assistant Manager of Corporate Sale Unit Mobile: 099 / 015 800 836 Tel: 023 998 777 / 430 999 Fax: 023 998 666 / 430 555 E-mail: sophanna.phom@acledabank.com.kh #61, Preah Monivong Blvd, Srah Chork, Daun Penh, Phnom Penh, Kingdom of Cambodia Name: Mr. Ly Chamnan Trade Finance Senior Specialist Mobile: 015 900 429 / 012 726 617 Tel: 023 998 777 / 430 999 Fax: 023 998 666 / 430 555 E-mail: lychamnan@acledabank.com.kh #61, Preah Monivong Blvd, Srah Chork, Daun Penh, Phnom Penh, Kingdom of Cambodia

Thanks You !