ABA Bank Presentation Q3 2015

Transcription

1 ABA Bank Presentation Q3 2015

2 Executive Summary Shareholders 58.07% 41.93% Mr. Damir Karassayev Mr. Damir Karassayev is a private investor, managing business in South-East Asia since Currently his main focus is on the development of ABA Bank as the core asset. National Bank of Canada ( is a financial institution rated A+ and A by Fitch and Standard & Poor s with around $180 billion of assets, more than 20,000 employees, 453 branches and worldwide network of correspondent banks. Financial Highlights In USD, mln 3Q2015 2Q Assets Loan portfolio Deposit portfolio Equity Net profit 10,7 6,0 7,5 4,0 Network 3Q2015 2Q Employees Branches ATMs Cards 54,830 47,581 39,213 26,128

3 Business Development: Branch Network Expansion 29 Branches in 17 cities Phnom Penh (13) Central Sihanouk Mao Tse Toung Stade Chas Toek Thla Chbar Ampov Chom Chao Toul Kork Borei Keila Steung Mean Chey Central Market Sothearos Ou Baek Kam (new) Provinces (16) Battambang Siem Reap Kampong Cham Sihanoukville Ta Khmao Takeo Kampong Speu Paoy Paet Pursat Kampot Kampong Thom Svay Reing Kampong Chhnang Kratie (new) Prey Veng (new) Tram Kak (new)

4 Products Business Development: New Products &Services Development Additional services Internet Banking Mobile Banking Contact center Cash deposit machines Merchant discount program

5 Business Development: International Relations CORRESPONDENT BANKS PAYMENT SYSTEMS MONEY TRANSFER SYSTEMS

6 Business Development: Awards The Best Bank in Cambodia Euromoney 2014 The Banker 2014 Global Finance 2015 Euromoney 2015

7 (1) (1.0) Key Financial Performance Indicators Asset & Equity Dynamics, mm, $ Assets Equity Deposits Dynamics, mm, $ Deposits of a/c, ' Q Q Net Profit / Loss, mm, $ 10.7 Loans Dynamics, mm, $ Loans of Borrowers, ' (1.6) Q Q3 2015

8 Loans Breakdown Particulars, $, Growth (12.14Vs 09.15), % Provision (Total) % Provision (Non performing) % No of borrowers % NPL / Total Loan, % % Total Loans % Loans Breakdown by Industry Loans Breakdown by Size Manuf 5% Real Estate 8% Agri 4% FI 4% Other 4% Trade 34% >1mm 15% 100% USD < 500K 79% Rental 9% Service 32% 500K - 1 mm 6%

9 Deposits Breakdown Types of Deposits, $, Growth (12.14Vs 09.15), % Current % Saving % Flexi % Fixed % Total Deposits % Maturity (months) < < Deposits Breakdown by Type Saving 18% Fixed 45% Current 8% 76% Retail 18% Corporate 6% FI Flexi 29% Fixed Deposit ($, 000) 29,037 47, ,021 21,094 Fixed Deposit (share) 11% 18% 63% 8% Size-Brackets of Deposits, $ of Depositors Amount $, 000 No of Depositors Amount $, 000 No of Depositors Amount $, 000 No of Depositors Amount $, 000 < , , , > , Total Deposits Deposits Breakdown by Size > 1 MM 28% < 1 MM 9% 83 % Cambodian 99% USD < 500 K 27% < 50 K 24% < 100 K 12%

10 Cards & E- Service Overview Q Q Q Cards Number of ATMs ATM (ABA own) cards 9,169 13,048 23,361 26,320 25,808 24,169 Balances (USD, 000) 5,632 7,933 22,637 27,421 29,945 25,725 UPI (China Union Pay) cards ,539 10,770 Balances (USD, 000) ,264 14,903 MasterCard & VISA cards 9,318 13,080 15,852 16,930 18,234 19,891 Balances (USD, 000) 10,166 16,245 26,286 30,321 32,404 34,297 ABA ibanking Registered users 7,742 13,931 24,037 27,264 30,392 33,789 SMS-notifications 148, , , , , ,770 Transfers to non-own ABA a/c, USD, ,422 45, ,776 46,172 47,036 48,305 quantity 9,018 22,753 52,861 13,972 15,333 15,206 Outward remittances, USD, 000 5,120 6,864 7,129 4,090 3,510 2,758 quantity EDC bill payments, KHR, 000 1,706,503 3,301,040 4,435,765 1,438,846 1,947,840 2,182,384 quantity 2,117 4,758 6,940 2,724 3,240 2,915 Mobile & Internet bill payments, USD 16, , , , , ,459 quantity 1,400 31,016 71,559 25,247 26,408 22,172 ABA Mobile App Registered users ,600 6,663 Transfers to non-own ABA a/c, USD, ,019 5,778 quantity ,827 6,318 EDC bill payments, KHR, ,527 91,246 quantity Mobile & Internet bill payments, USD , ,697 quantity ,737 28,667

11 ABA Bank vs. Banking Sector (2013 and 2014)

12 Future Outlook: Financial Projections Total Assets, $, mm Funding base, $, mm Assets Loans 2,492 Deposit Borrowing 1, , ,053 1,643 1,442 1,150 1, , , A 2014A 2015F 2016F 2017F 2018F 2019F 2020F 2013A 2014A 2015F 2016F 2017F 2018F 2019F 2020F Profitability Net Profit $ mm ROE % 22.0% 22.3% 21.4% 20.1% % 17.7% % % A 2014A 2015F 2016F 2017F 2018F 2019F 2020F Capital, $, mm Equity New Capital Injection A 2014A 2015F 2016F 2017F 2018F 2019F 2020F

13 THANK YOU! Head Office #148, Preah Sihanouk Blvd., Sangkat Noeung Keng Kang I, Khan Chamkarmon, Phnom Penh, Kingdom of Cambodia Phone: , Fax: P.O.Box: 2277 SWIFT: ABAAKHPP