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Canadia Bank PLC and The Bank of Tokyo-Mitsubishi UFJ, Ltd.
Sign Memorandum of Understanding
Written by: Mr. Hong Limtong, Public Relationship Department
Translated by: Mr. Hong Limtong, Public Relationship Department
Edited by: Mr. Pen Virak, Finacial Officer
On February 27 th , 2013, Canadia Bank announced
that it has signed a Memorandum Of Understanding
(MOU) with The Bank of Tokyo-Mitsubishi UFJ, Ltd.
(BTMU) to support foreign companies entering
Cambodia.
Company officials from Canadia Bank and BTMU
met at Canadia Tower for the signing ceremony and
for initial discussions on the forthcoming business
alliance agreement. Mr. Michael Lor, CEO of
Canadia Bank, and Mr. Masato Miyachi, Executive
Director for Asia and Oceania, expect this MOU,
and ultimately the business alliance agreement,
to provide the framework for strong cooperation
between the two banks. Strong recognized brands
and extensive experience in financial services,
Canadia Bank and BTMU agreed to bring together
and leverage their unique strengths and expertise
to grow and develop the Cambodian market.
With pro-growth policies and a supportive
business environment, Cambodia is attractive
to foreign investors. “Today’s signing ceremony
marks just the beginning. After today we get to
work to develop the business alliance agreement.”
He added “I am confident that this forthcoming
business alliance agreement will only strengthen
our two banks, and allow us to work closer as we
develop this exciting market. We want the best
for our customers and we want to see all of our
customers succeed. We believe, as you do, that
fidelity to the customer is paramount. This fidelity
will be expressed from your first referral customer
and on throughout our partnership.” said
Mr. Pung Keav Se, Chairman of Canadia Bank Plc.
“We could not be more pleased to be
working with a partner like Canadia Bank”, said
Mr. Miyachi. He continued, “With the experience
and resources that our two banks bring to this
market, we are confident in the long-term potential
of not only Cambodia, but of having a partner like
Canadia Bank.”
Mr. Michael Lor commented, “It is no coincidence
that BTMU is interested in Cambodia.
The number of Japanese companies entering
Cambodia increased more than two-fold in just
two years. Companies throughout Asia and other
regions as well are entering Cambodia. BTMU,
with its globally recognized brand, solid track
record and strong reputation, says a lot about the
Cambodian economy.”
Canadia Bank provides financial services to
domestic and foreign companies. Established in
1991, is the leading commercial bank in Cambodia,
and has an extensive network of branches
throughout the country. Strong reputation and
proven financial success reflect Canadia Bank’s
expertise and experience in commercial banking,
and in-depth knowledge of the Cambodian market.
BTMU is one of the world’s largest and most
respected banks. With office in more than 40
countries and 500 offices around the world, BTMU
has the largest network of any Japanese bank. As a
global bank with a strong brand, BTMU has proven
expertise and extensive experience in conducting
foreign bank operations in many Asian countries.
22 February 2013 No. 27

Canadia Bank Provided Red Pockets for Government
Retires Staffs
Written By Mr. Heng Sam Aun, Customer Service Supervisor
Translated By: Mr. Koy Sereipagnaroth, Training and Development Officer
Edited By: Mr. Ly Panha, Deposit Product Officer
During Chinese New
Year, Canadia Bank Plc
offered red pocket to
disabled people, veterans,
and retired civil servants.
This offering held at six
branches of Canadia Bank
including former Canadia
Bank Head Office (Previous
building), Olympic Branch, and four Canadia Bank
Offices located in Khan Daun Penh, Khan Russey
Keo, Khan Mean Chey, and Khan Pu Sen Chey.
To enhance a social welfare for disabled people,
veterans, and retired civil servants in Phnom Penh
through the Rectangular Strategy of the Royal
Government of Cambodia ideally lead by Mr.
Hun Sen, Prime Minister of the Kingdom of
Cambodia, Canadia Bank gained privilege right to
offer payroll services to those people.
It is noticed that on 8th July 2010, Canadia Bank
Plc signed agreement with National Social Security
Fund for civil servants and started to provide
payroll services from 8 th February 2012 to 22 nd
February 2013 which contained 12,565 accounts.
Next, on 3 rd February 2012, the signing agreement
between Canadia bank Plc and National Fund for
Veterans was celebrated. The payroll service for
veterans was offered from 18 th October 2012 to
22 nd February 2013 with 5,558 accounts.
On 13 th February 2013, disabled people,
veterans, and retired civil servants came to get
their pension funds at former Canadia Bank Head
Office (Previous building). On that occasion, it
was honorably attended
by Mr. Pung Kheav Se,
Chairman of Canadia Bank
Plc. He had a warm talk
with veterans and Canadia
Bank’s staff about the red
pocket given. Furthermore,
he encouraged all staffs to
provided very good banking
services to all veterans.
On 15 th February 2013, Canadia Bank staffs
visited some veteran and asked for their feeling in
receiving the red pocket. Mr. Sum Sous, 63 years
old veteran, said that he was very happy with
a attentive services and friendly staffs. He also
expressed his profound thanks in receiving red
pocket from the Bank. Moreover, Ms. Noun Ouon,
73 years old, coming from Koh Dach Commune
said that she was glad that Canadia Bank offered
her the red pocket and served her very nicely. She
wished Canadia Bank and all Canadia Bank’s staffs
happiness and prosperity for the New Year 2013.
The red pockets given were divided into two
types. The first type was a 5,000 Riel coupon which
could be used at Sorya, Sovanna, Ratana Plaza, and
Canadia Tower Shopping Center. The second one
was 5,000 Riel in cash.
During this 4-day event, Canadia Bank has
successfully given red pockets to 954 disabled
people, veterans, and retired civil servants. They
went back happily and wished Canadia Bank be
the leading bank in Cambodia.
February 2013 No. 27
23

Grand Opening for Sale Center of D.I. RIVIERA
The Grand Opening
of D.I. Riviera of D.I.
Riviera, the first fivestar
housing complex
located in Phnom Penh
was magnificently
inaugurated at Diamond
City on 23 rd January 2013.
The ceremony was presided over by His Excellency
Phoeung Sophorn, Secretary of State of Ministry
of Land Management, Urban Planning, and
Construction, His Excellency Khoung Sreng, Deputy
Governor of Phnom Penh Governing Committee,
Mr. Pung Kheav Se, Chairman of OCIC, Mr.
Lim Chhor Se, President of Friendship International
Development Ltd., and Ms. Chhin Hong, President
of Jixiang Investment Cambo Co., Ltd., who
made the ceremony becoming most appealing
to public including major press and visitors who
came to visit the five-star housing sample. These
incredible and international-designed projects,
with exceptional customer services had attracted
numerous entrepreneurs to attend this ceremony.
In the ceremony, Mr. Pung Kheav Se, Chairman
of OCIC stated that, situated at the centre of
Diamond Island, D.I. Riviera project consists of
flats, shopping centres, five superior buildings,
premium condominium, and a parking space
which accommodates up to two thousand cars.
The housing project will take about two years
to complete, while the whole project will be
accomplished in 5 years. There will be 104 flats
in total of which 98 flats have already been sold
out and the shopping centre, a five storey building
which will soon become a centre of international
branding fashion, jewelry, cosmetic, tasty food,
stores with luxurious products, sky-park, and
playground equipped with modern equipment that
will transform this place to be a high-class resort.
D.I.Riviera was originally developed by Diamond
Island Development Company. However, due to
the success of selling flats, the company is now
working with two companies from Guangzhou,
China; Investment Cambo Co., Ltd. and Friendship
International Development Ltd. to further develop
the project and this project is financed by Canadia
Bank Plc.
Consciously, this Grand Opening Ceremony
Written by Ms. Sambath Chan Pisey, Public Relation Department
Translated by Mr. Ly Tolarith, Risk Management Department
Editted by Mr. Ly Panha, Deposit Product Officer
was celebrated for launching five premium
condominiums. This project has been concreted,
and building A and B which consist of 336 units
will start construction first whereas another three
more buildings, building C, D, and E contained
a total of 376 units will begin after. The whole
premium condominium project will be built
with highest standard construction of China of
which Diamond Island Development Company
as the construction company joined by an expert
team with tremendous experience from China,
in order to establish a five-star with high quality
building and to make it be the first-class in terms
of construction, practice, management, and
achievement.
Diamond Island is situated on superb location
with marvelous environment, convenient
accessibility, and high opportunity to grow in value.
Currently, there are many investors, especially
Chinese investors coming to start businesses in
D.I. Riviera. This good condition will transform D.I.
Riviera to be a precious place in Diamond Island.
Nowadays, premium condominium has already
been booked by ten foreign customers, and this
information would widespread to public and make
a very successful sale.
Phnom Penh is the capital city of Cambodia
and it is the cultural, economic, and political
center also, so we could see the potential of
development of the city. At the moment, modern
society in Cambodia is focusing on the living with
high standard of villas and flats; moreover, the
developed country thought that living in the flats
are not only the perception of development but
also it represents for new life living and prosperity.
24 February 2013 No. 27

Written by Mr. Prum Hul, Deputy Branch Manager
Edited by Mr. Lun Borey, Senior Programmer and Ms. Tann Sivkong, Chairman’s office
The success in an entity, a department, an
organization, or a company, it depends on the
cooperation of all staff in working as a team, in
taking responsibility of individual work and in
understanding organizational goal, objective,
services, products, and core value.
For instance, Canadia Bank Plc is the local
biggest and the first leader in Cambodia’s financial
industry that has been operated its business since
September 11 th , 1991 and it is also continually
expanding branch networks year on year in order
to respond to the customers’ actual needs and to
take apart in accelerating the national economics
and developing other social sectors. Currently,
the bank has 42 nationwide provincial-municipal
branch networks and several new branches will
be opened soon. Canadia Bank’s Neak Loeung
Branch is the 16 th branch which has been started
its business since 2007 and is located at # 255-
257, Phoum 4, PrekKsay (Kha) Commune, Peam
Ro District, Prey Veng Province. Recently, Neak
Loeung Branch’s staff have won the bronze medal
of GSTP campaign (G=Greet, S=Smile, T=Thank
You, and P=Personalize) which is a new strategy
designed by the top management in an attempt to
improve work knowledge, communication, staff’s
behavior/attitude, and customers’ satisfaction
with the bank’s products and services.
GSTP is classified into three stages. The first
stage award Bronze Medal with a cash reward of
USD20 to staff that scores equal or higher than
100. The second stage award Silver Medal with
February 2013 No. 27
a cash reward of USD100. The third stage award
Gold Medal with a cash reward of USD500 and
also award the branch USD500 to celebrate.
For Neak Loeung Branch, the winning of
Bronze Medals is resulted from the staff’s effort,
especially the front line staffs that adhered to
the campaign’s condition and were additionally
advised during their daily work operation by Mr.
Him Ratanak, Branch Manager, and Mr. Prum Hul,
Deputy Branch Manager. Furthermore, there were
some customers who wrote the compliment letter
to admire staff that greeted with smiling, used the
word “thank you” and treated the customers as
individual by calling their name, such as uncle, aunt ,
brother and sister, etc. GSTP is a good campaign for
all staffs because it is used not only in workplace,
but also in all circumstances such as to join any
occasions in society, to show a company culture
and to use in a family alike. It is also regarded as
a country identity, a company culture and family.
Three sentences mentioned that “Knowing a man
by his moral and attitude, Knowing a person of
wisdom from the word, Knowing an achiever by
his implementation”.
We, all staff of Canadia Bank’s Neak Loeung
Branch, would like to express sincere thanks to
all top management who have tried to initiate
ideas and find new strategies in order to push
up the overall Canadia Bank to grow even more
and to satisfy all staff and bank’s customers as
well; moreover, in order to make the Bank grows
constantly and get intensive supports from either
local or international customers as a standard and
leader in Cambodia’s financial industry.
25

Written By Ms. Hak Sokleang, Senior Trainer
Edited By Mr. Rei Belaguin, BBG1 Project Coordinator and Mr. Lun Borey, Senior Programmer
Globalization brings various
types of nationalities to work
together for small, medium,
and large-scaled
enterprises. When these
people are working in
one organization, precise
and authentic communication
is very important,
particularly during
meetings, workshops,
seminars and/or other
key social activities. To fulfill
these compulsory needs, both
simultaneous and consecutive interpretation
are exceedingly introduced and trained.
Initiatively, Mr. Charles Vann, Executive Vice President
of Canadia Bank Plc. has taken his valuable time to conduct
a course on “Simultaneous and Consecutive Interpretation”
last on 15 th February 2013, at the 2 nd floor
training room of Canadia Tower, with 25 participants
from different departments including Internal Audit,
Marketing, IT, HR, Training and Development, Centralized
Operations, Financial Control, Private Banking,
Risk Management, CEO Office, EVP Office, Trade Service,
Channels & Distributions, as well as SME department.
This course was facilitated well by Mr. Tommy
Boukhris, Project Manager of Canadia Bank Plc.
At the very beginning, the participants were
motivated by a game called “Message Relay”. They
were divided into 2 groups, and were instructed to
relay a message by allowing the first player to read the
message (to be given by the speaker), and passing it
verbally (whispering) unto the second player, and then
up to the last player. The last player had to write down
the whole sentence and read to the audience. After the
game started for a few minutes, the messages were
finally passed to the last member of each team, and
they were presented to the audience. Both sentences
contained few words that were not the same to the
original versions. This reflected that the target person
would get a different content/concept if the messenger
or interpreter had interpreted the wrong message,
which may lead to misunderstanding, and more
seriously, having unsuccessful communication.
More interestingly, a content-related video clip
was shown to the audience. It was not only funny
but also educational, that selecting an interpreter
should be done in an effective manner; otherwise the
communication would be misinterpreted and lead to
unfavorable outcome. With this concern, interpreter’s
background is very significant. And then, Mr.
Charles Vann defined the two Forms of Interpretation.
(1) Simultaneous
– the interpreter sits in a booth wearing a pair of
headphones and speaking into a microphone and
(2) Consecutive
– the speaker stops every 1-5 minutes (usually at the
end of every “paragraph” or a complete thought)
and the interpreter then steps in to render what
was said into the target language. He also pointed
out the advantages of the interpretation at
workplace.
To be well connected with the content of the lesson,
another video clip was played. It was about the Top 10
Interpretation/Translation Tips:
(1) Familiarize yourself with the culture from which the
language you are interpreting originates
(2) Study vocabulary words for both languages
consistently
(3) Read, write, and research/study the language
extensively
(4) Have the skill in wielding the language
(5) Take notes and study the subject matter in which
you will be required to translate or interpret
(6) Practice good communication and customer service
skills
(7) Be careful with colloquial expressions and puns
(8) Beware of expansion and contraction factors
(9) Take into legal and cultural differences
(10) Get in-depth knowledge of the relevant field(s)
Afterwards, the participants enjoyed the last video
clip prepared by the trainer and facilitator. It was mainly
about the characteristics of being a good interpreter,
particularly, the posture of the interpreter during the
interpretation. Note taking is a compulsory skill for a
qualified interpreter. How to Take Notes Effectively?
First of all, instead of trying to copy every word, use key
words and invent abbreviations or even better, symbols
that represent some words or ideas; for example, a
cross can represent a church. Everyone could use their
own personal symbols;
the most important thing
is to remember instantly
what it means upon
seeing the symbol. It is
also useful to use a small
ring-binded notebook,
like the ones we used in
schools, because they are
26 February 2013 No. 27

very manageable. Write only on one side of the page, it
is faster, and when the first half of the notebook is full,
we can always turn it round and start using the other
side.
To be more realistic for the trainees, two examples
of making inaccurate Interpretation/Translation on
Politics and on Business (Banking Industry) were clearly
presented and explained by the trainer. In relation to
the actual situation of the interpretation process, he
guided how the interpreters should stand, by inviting
four participants to the front.
Lastly, the training was concluded by the useful and
inspirational recommendation of Mr. Charles Vann.
He encouraged all participants to be actively involved
in any form of translation/interpretation and conduct
more researches by way of doing interpretation. He
also positively stated that Simultaneous/Consecutive
Interpretation Course should be conducted more in
order to strengthen the capacity of the personnel on
both simultaneous and consecutive interpretation;
to enhance safe and sound communication; to make
faster and smoother flow of discussion during meeting,
workshop, and seminar; that would make high outcome
and productivity to be more achievable.
Canadia Newsletter Team Annual Party
Written By Ms. Sokuntheary Ath, Head of Risk Management
Edited By Mr. Rei Belaguin, BBG 1 Project Coordinator
Saturday, January 26 th , 2013, Canadia Group
Newsletter Team celebrated its firstAnnual Party
and its two years inception of the newsletters at
the Pizza Company, Sorya Shopping Mall, with
an approved budget fromMr. Pung Kheav Se,
Chairman of Canadia Bank Plc.’s Board of Directors.
The party was also an opportunity to thank the
Newsletter Team for their commitment, hard work
and contributions that resulted in yielding the best
and latest news to our wide-range of audiences.
The Canadia Newsletter Team exchanged their
appreciations and thanks to one another for a
great success of the newsletter, and enjoyed their
Italian lunch varieties, soft drinks and the candid
atmosphere the team provided. Amid this joyful
event, there was also a cake cutting to celebrate
the two years anniversary of the newsletter.
The Canadia Newsletter was initially established
with the key aims to share different activities, events
and achievements of Canadia Group with our
employees, to offer opportunities for employees
to share their knowledge and experience among
their colleagues and to share our future visions,
directions, culture, success, achievements and be
transparent to our stakeholders. Thus far, we have
been very successful in meeting these objectives
and the team will continue to input their very
best efforts to ensure quality outcomes through
sensible write-ups and articles.
The party went on with pleasant chitchatting,
smiles and admiration of our colleagues. The
party also helped reunite the team for stronger
bonds. It also helped the team to understand the
difficulties and thoughts from a different member’s
perspective, which will help us work more
efficiently together. People were taking individual
and group pictures throughout the event, asking
thought provoking questions and exchanging
contact information for those who have met each
other for the first time.
The Canadia Newsletter Annual Party was
endedwith photo-taking sessions and went
successfully. The team had stronger ties, felt like
they are family members and appreciated the
party.
February 2013 No. 27
27

Outstanding Chinese Students Visited Canadia Group
Human Resources are the pillars for the
development and advancement of every
enterprise, organization, and the whole country
as well. To attract and encourage more potential,
competent and talented person to work for the
company, Human Resources Department along
with the support and cooperation from Human
Resources Department of Mega Asset invited a
group of fifteen outstanding students, scholarship
recipients from Chinese School Scholarship
program, from 3 reputed Chinese schools named
DUAN FA, MING SHENG, and CHONG ZHENG to
conduct a site visit and study at the Canadia Group
on January 14 th , 2013.
The visitation commenced initially with the
welcoming ceremony and impressive meeting at
the training room, the 15 th floor of Canadia Tower.
The event was held by the organized team led by Mr.
Lim Lee Rady, Head of Human Resource Division,
Mr. Lek Saravuth, Acting Head, Training and
Development Department and it was accompanied
by Mega asset organized team. At the opening
introduction, Mrs. Kem Sopheak, Acting Head of
Staff Relations and Recruitment, expressed a warm
welcome to all student delegation and delivered
a profound presentation about the Bank history
such as the rapid growth of the Bank business, the
growing number of branches and staff over the
last seven years, the wide range of financial and
banking services as well as the vision, mission and
core value of the Bank. On this amicable occasion,
Mr. Lim Lee Rady also briefly instructed the
students about his past experience and strategies
to discover the secret way to succeed in life, and
he also strongly encouraged the students to work
for the bank. The rewards presenting marked an
Written By Mr. Ly Hong, HR Officer
Edited By Mr. Lun Borey, Senior Programmer
end to this fruitful and enjoyable meeting.
Hereafter, the student delegation were arranged
to visit the bank’s departments and Corporate
Services respectively. Having guided by Mega
Asset organized team, these outstanding students
paid a study visit to Rose Condominium, the under
constructing D.I. Riviera project and the city hall
at Koh Pich. After the visit, students, organized
teams, and Koh Pich staffs were requested to take
photos as memento.
Additionally, Ms. Ang Saing, secretary of
Chairman, held a short meeting with the student
delegation and led a dynamic conversation with
them. Among the conversation topics were
education, jobs, and their feelings and impression
towards the Canadia group. At the end, the student
delegation explicitly comprehended Canadia
Group business which range from banking sector
to real estate industry. Before leaving, the student
delegation expressed their gratefulness to Canadia
Group and organized team offering them the
opportunity for the study visit. They really hope
to be one member of Canadia Group in the near
future.
28 February 2013 No. 27

Training Course on “Customer Service Process Improvement”
Written by Ms. Cheng Tepy, System & Methods Officer
Translated by Ms. Hak Sokleang, Senior Trainer
Edited by Mr. Rei Belaguin, BBG1 Project Coordinator
The Centralized Operations Division with a strong
collaboration from Training and Development
Department organized a training course on
“Customer Service Process Improvement” on 21 st
January 2013 at the Training Room on the 15 th floor
of Canadia Tower, that was attended by selected
participants from branches in Phnom Penh and
in provinces. It was divided into two phases (first
phase: branches in provinces; second phase:
branches in Phnom Penh including Main Branch
Operations), that comprised of three groups each
- Group I: Customer Service Supervisor, Group
II: Deputy Branch Manager, Group III: Customer
Service Officer. This course was presented by Mr.
Yin Chanthyra, Head of System & Methods, and
Mr. Yin Yong, System & Methods Senior Officer.
The main purpose of this training course was to
improve the Customer Service Process aiming at
bolstering the existing customers’ confidence on
the bank, as well as attracting new customers. The
three core topics were presented:
- Topic 1: Individual and Business Deposit Account
Opening: mainly mentioned about the
easier and more effective process of
opening deposit account including how
to complete the application form and
other relevant documents.
- Topic 2: Individual and Business Deposit Account
Maintenance: introduced new better
steps of account maintenance; for
example, how to efficiently complete
the Maintenance Request Form. This will
help reducing the bank staff’s workload
and customers’ waiting time.
- Topic 3: Individual and Business Deposit Account
Closure: was about the updated process
of account closure which involved how
to complete the Closing Request Form.
During the training, Mr. Yin Chanthyra explained
the content of the training based on handouts
provided including Deposit Account Closure
Application Form, Account Details and Personal
Particular Update Application Form, and he also
precisely differentiated between the old and
updated versions. Some real examples were given
to stimulate the trainees’ understanding. More
importantly, in response to the real operations,
the participants were allowed to practice using the
T24 system.
All in all, Centralized Operations Division
and the Training and Development Department
would like to express our profound thanks to all
participants, particularly, the Top Management
for their support which led this training to be
smooth and effective. We strongly hoped that this
training will enhance the bank’s operations that
would result in improving the existing customers’
confidence and bring in more new customers.
February 2013 No. 27
29

Written By Ms. Sokuntheary Ath, Head of Risk Management
Edited By Mr. Rei Belaguin, BBG1 Project Coordinator and Mr. Ly Panha, Deposit Product Officer
A good credit risk
management starts with
our first line of defense (our
front liners), doing proper
assessment on the credit
worthiness of a borrower. Below
provides an overview of the six Cs that should be
utilized by Loan Officers, Branch Managers and
credit related personnel to assess customers’
credit risk levels at its early stages.
1. Character - Character refers to the
behavior of the customers. Character influences
the customer’s ability to repay back the loan.
Thus, Loan Officers need to carefully study the
customers’ character to further identify whether
they have good reputations among their peers.
Due diligence specified in the Credit Policy and
Procedures Manual is the preliminary step to credit
initiation. The Due Diligence process essentially
involves three steps:
- Step One: Customer/potential borrower
interview (data gathering)
- Step Two: Credit Appraisal (CA) Write-up
(risk analysis)
- Step Three: Collateral verification (verification
and valuation)
2. Capital- Capital is the customers’ assets which
could be utilized to repay back the loan when it
falls due. Thereby, Loan Officers need to diligently
assess the total value of the customers’ capital
along with the amount of loan to be requested.
This is to ensure that, in the event that the loan
falls due, the customers could sell this capital to
repay back the loan.
3. Capacity - Capacity is the customers’ ability
to repay back the loan. Loan Officers would study
different things with different types of businesses
and individuals. However, in general, Loan Officers
would thoroughly study the earnings and spending
of customers to solicit their ability to repay back
the loan. The financial ratios are utilized to assist
in this process.
4. Collateral - Collateral is the type of assets
that customers use to pledge to the bank prior to
receiving loans. Analysis must include location,
size, title owner, and connection with the third
party, good selling advantages of the location
or building, estimated value, marketability,
the original documents of the
collateral property, photograph,
family book, ID card and
connection/relationship with the
neighbors, authorities or police for
additional information.
In economic downturn, the value of
these collaterals would depreciate which increase
the percentage of potential loss to the company
shall the loans default. Hence, proper haircut and
stress test should be adopted and results should
be reported to the risk management committee
for contingency planning and informative decisionmaking
purposes.
5. Condition - Condition refers to external
conditions that potentially lead to an adverse
impact on the firm’s ability to generate earnings
or operate business. Factors that are considered
to determine the firm’s conditions include but
not limited to economic, political and war that
can result in losses or severe impact on the firm’s
earnings stability and operating performance.
6. Control - Control is the procedure utilized
after loans have been given to customers. Loan
Officers are responsible for reviewing the condition
of the loans annually on or before the loans term
to maturity. The annual review includes analytics
on the five Cs described above. Any extension of
credits, a new CA must be re-written and submitted
to the Credit Committee for approval.
30 February 2013 No. 27

Canadia FC Soccer Team Pays Sincere Appreciation
to the Chairman – Mr. Pung Keav Se
Written by Canadia FC Team
Translated by Mr. Nget Rachha, Training and Development Department
Edited by Mr. Vong Sam Aun, Senior Trainer
With the unwavering support from the Top
Management and the collaborative participation of
Canadia Bank’s personnel from departments and
branches, and especially Marketing Department,
the Canadia FC football team was established.
Remarkably, Mr. Pung Kheav Se, the Chairman
of Canadia Bank Plc. had generously provided
some financial support to purchase sport uniforms
for 25 football team players. This reflected cordial
encouragement and care of the Top Management
for Canadia FC football team.
In relations to friendship football match, Canadia
FC football team had competed with two different
teams including ANZ Bank on 23 rd December 2012,
and ABA Bank on 20 th January 2013. During these
matches, team players exchanged experiences,
built good relationship with each other, and in
particular, Canadia Bank Plc. has successfully
established and promoted its good image to the
public.
On behalf of all Canadia FC Soccer Team players,
I would like to take this opportunity to express my
heartfelt thanks to the Chairman of Canadia Bank
Plc. who has shown its encouragement and support
to our football team. On top of this, our team also
wishes the Chairman and his family good health,
success, and the four gems of Buddhist blessing:
Longevity, Nobility, Health, and Strength.
February 2013 No. 27
31