1. FnaKar eGsIulIda PIGilsIu
sUms4aKmn_

2. BACKGROUND

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

4. 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.

5. 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.

6. 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.

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

8. Achievement as of September 30, 2013

10. Loan Achievement :

11. Break down by sectors
D t

12. ACLEDA Bank loan products

13. 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…

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

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

16. ACLEDA Bank loan policies in summary

17. 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

18. 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

19. 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

20. 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

21. 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.

22. 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).

23. 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).

24. 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)

25. 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)

26. 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.

27. 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.

28. 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.

29. 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)

30. 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

31. 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

32. 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

33. 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.

34. Loan Interest Rate & Fee charge

35. Loan Interest Rate

36. Loan Interest Rate (Cont.)

37. Loan Interest Rate (Cont.)

38. Loan Interest Rate (Cont.)

39. Loan Interest Rate (Cont.)

40. Loan Interest Rate (Cont.)

41. Loan Requirements

42. 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

43. How to apply for the loan?

44. 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,
or/and log in ACLEDA Bank web side:
All clients should be show us:
Loan purpose
Loan size or loan amount
Loan type
Loan term
Contact detail (address, phone number, …)

45. Contact Person Name: Mr. Phom Sophanna AVP & Assistant Manager of
Corporate Sale Unit
Mobile: 099 /
Tel: /
Fax: /
#61, Preah Monivong Blvd, Srah Chork, Daun Penh, Phnom Penh, Kingdom of Cambodia
Name: Mr. Ly Chamnan
Trade Finance Senior Specialist
Mobile: /
Tel: /
Fax: /
#61, Preah Monivong Blvd, Srah Chork, Daun Penh, Phnom Penh, Kingdom of Cambodia

46. Thanks You !