aba bank 2016 presentation
TRANSCRIPT
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 ‐ $1M
Ranks among the top commercial
banks
Named as the “Best Bank
in Cambodia”
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36 commercial banks in Cambodia
ABA Bank Ranking 2012
ABA Bank Ranking 2015
Assets #11 #6Deposits (Retail) #6 #4Loans #9 #6ROE #8 #3Branch network #7 #3ATM network #6 #2Employees #5 #4Cards #7 #5
8 local 28 foreign
The Banker 2014 Euromoney 2014 Euromoney 2015 Euromoney 2016Global Finance 2015 Global Finance 2016
Favorable Competitive Positioning
The Banker 2016
Nationwide Branch Network
6‐8 new branches opened annually since 2012
9 new branches opened in 2016
42 branches today 14 in Phnom Penh* 28 in Provinces
* +1 Head Office
66 outlets by 2020
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Extensive International Relations
PAYMENT SYSTEMS MONEY TRANSFER SYSTEMS
CORRESPONDENT BANKS
6
Fastest Growing Trade Finance Bank
in Cambodia 2016
Relationship and Excellent Cooperation
Award 2015
Outstanding Performance
323
505
806
1,097
42 64 100 128
2013 2014 2015 2016
Assets and Equity, US$ 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
7
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$‐denominated
10
36%
30%
14%
5%
4%2%
9%
92%
3% 5%
94%
3% 3%
39%
4%
52%
2% 3%
LOANS BREAKDOWN BY INDUSTRYLOANS BREAKDOWN BY AMOUNT
LOANS BREAKDOWN BY CLIENT SEGMENT LOANS BREAKDOWN BY COLLATERAL
TradeServiceReal estateManufacturingAgricultureFIOthers
< US$ 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: [email protected]: ABAAKHPP