1. 1 Retail Banking Strategy Presented by: Mr. Nhean Virak, HMP Jun 25 th, 2015 InterContinental Hotel, Phnom Penh Outstanding Banking and Microfinance Awards 2015

2. 2 1.Overview Cambodia Post Bank Plc. (CP Bank) a full licensed commercial bank was grated by National Bank of Cambodia dated on 20 September 2013 and official launching within 26 th September 2013. With strategic partnership between CANADIA Investment Holding Plc., (CIHP) Cambodia Post (CP) Ministry of Post and Telecommunications of Cambodia Government and Fullerton Financial Holdings Pte, LTD. (Fullerton) 100% subsidy by TEMASEK Singapore Government state own Company. A snapshot of the CP Bank

3. 3 3.Capital Structure A snapshot of the CP Bank (Cont.) ShareholdersPercentage Canadia Investment holdings PLC50% Fullerton Financial Holding45% Ministry of Posts and Telecommunication5% Total100%

4. 4 Canadia Investment Holding PLC (CIHP) is one of Cambodia’s largest and most successful financial holding companies, with a portfolio of financial services investments in banking, micro-finance and insurance, serving large corporate, SME and mass market customers throughout Cambodia. Fullerton Financial Holdings Pte.Ltd. (“FFH”) invests in and operates financial institutions in emerging markets. Currently, FFH has investments in nine financial institutions, spanning seven countries, with a total of over 3,300 outlets serving almost seven million customers. FFH is a wholly owned subsidiary of Temasek Holdings (Private) Limited, an investment company based in Singapore. Cambodia Post of Ministry of Posts and Telecommunications (MPTC) is the government ministry that governs the postal system and the telecommunications systems of Cambodia. SHAREHOLDERS

5. Established Committees at the Bank Management Level 5 At the Bank management level, there are 5 committees have been established. They are: 1.ALCO Committee 2.Operational Risk Management Committee 3.Credit Committee 4.Procurement Committee 5.HR Committee Each committee plays a very important role in supporting the Bank’s growth and business strategy.

6. 6 Retail Banking Proposition Products Saving account a) Tiered saving accounts aligning to segment needs. b) Internet saving account targeting at young and i- savvy segment Micro Credit Card Term Deposit a) Multi currency time deposit b) Flexible time deposit with flexible tenor options Debit Card Current account a) Repayment current account link to loan and mortgage loans b) Current account links to reward program Term Loan a)Increase acquisition of retail customers by extending reach and accessibility b)Link up with external vendors to increase attractiveness of debit cards. c)Increase number of ATMs and POS will improve stickiness of core deposit. a) Secured and non secured credit card for employees and none employees b) Increase acquisition of retail customers by extending more products. a) Vehicle and Mortgage Loan will be developed to segment needs. b Flexible interest rate with flexible tenor as well as flexible repayment mode options.

7. 7 Business Banking Proposition Cash Management - Products Features Cash Management Liquidity Management Collection Payment Account Services Account Services: Domestic/Foreign currency account Transactional account with tiered pricing Loan repayment account Competitive and flexible FX pricing and proposition Collection : Cash pick up services Cheque Discounting Inward Telegraphic Transfer Bulk payment Payment : Direct Debit Cheque Deposit Solution Cross-Border/Domestic Payment Bill payment Payroll Liquidity Management: Automated cash concentration structures -Pooling -Sweeping Interest Optimisation

8. 8 Retail Strategic Plan

9. Target Segments Target Market Business BankingRetail Banking Corporate Affluent Micro Small and Medium Enterprise Mass Affluent Self Employed Mass Market Salaried Mass Market Existing Potential Retail Banking Target segment : mass affluent and self employed Extend customer touch points through mobile banking Business Banking Provide comprehensive cash management product offerings to MSME Relationship manager teams to build and provide advisory services Financial Institution Build and maintain relationship with key Financial Institutions Primary Bank for Retail Mass Affluent and MSME

10. 10 Retail Banking Proposition Focus on Self Employed and Retail Mass Affluent Affluent: Income >USD3k, Average CASA balance USD35k Middle : Income ~ USDUSD700 – 3K, Average CASA balance USD1k Mass : Income ~ USD500-700, Average CASA balance USD500 Convenient access points via a wide agent/merchant network and superior customer service Provide peace of mind to customers, as they know their money is safe. Differentiated product offerings using mobile/online and social media platform Agent sales team to acquire, onboard and manage agents relationship Commission based sales team from local community to acquire and onboard merchants Deploy branchless banking Periodic & regular customer engagement via various communication media Maximize current branch distribution network supported by localized marketing(mobile/Internet/social) and community activities Target Segment Value Proposition Market Engagement

11. 11 Branch Networks Currently: 18 branches CP Bank 5 years Aspirations Nationwide financial services provider 99 branches in all 24 provinces Agent/Merchant network providing mobile/Internet Banking solutions

12. 12 5-Year Plan – Strategic Drivers  Deliver sustainable faster growth  Leveraging on mobile/Internet banking solutions  Improve productivity and return on asset and equity  Build a stronger branding  Adopt technology driven approach to streamline middle and back office  Strong discipline in expenses and governance on risk controls

13. 13 Thank you! Contact Us: 023 220 772/220 773 Hot line: 070 200 002 Email: info@cambodiapostbank.cominfo@cambodiapostbank.com Website: www.cambodiapostbank.com.kh