Questions & Answers

ACLEDA Bank has a dividend policy that allows for distribution of up to 50% of net profit after tax as dividend. The decision on how much to distribute dividend will be made by the Board of Directors and Shareholders in line with expectation of business growth. For more details, please kindly find the disclosure document in Chapter 6 point 10.

Today the bank conducted ROADSHOW. BOOK BUILDING from 3 March – 14 March 2020 (8:00am to 5:00pm, Monday to Saturday).

Please kindly find the disclosure documents here.

Compound annual growth rate for next 3 year: 11.8% for total assets and 13.67% for net profit. To do so we plan to focus on:

• Enhancing digital banking by branch remodeling and digitalization, improve IT system/security and develop human resources.
• Corporate with both local and international partners and strengthen all subsidiaries business including expanding itself to the region.

Please kindly find the disclosure documents here.

If successfully of book building, you cannot cancel. Please kindly find disclosure documents for the details.

There will have no transaction fee and tax for buying share at IPO stage, but at secondary stage will be incurred the transaction fee.

Please kindly find the Bank's performance in the disclosure documents for your consideration.

You can trade at the secondary market through the counter of securities firm you opened trading account with or Mobile Trading System developed by Cambodia Securities Exchange Trading Hours.

The Trading hours shall be determined based on trading method in use as the following:

Auction Trading Method (ATM)

The trading hours shall be from 8:00 am to 3:00 pm and shall be divided into sessions as follows:

• Opening session:
• Ordering time: 8:00 - 9:00 am
• Trading time: 9:00 am
• Auction method: Single price auction
• Continuous session:
• Ordering and trading time: 9:00 am - 2:50 pm
• Auction method: Multiple price auction
• Closing session:
• Ordering time: 2:50 - 3:00 pm
• Trading time: 3:00 pm
• Auction method: Single price auction

Note: If there are no orders matched at 09:00 am, the opening session shall be extended until there is a matching during the day.

Negotiated Trading Method (NTM)

The trading hours shall be from 09:00 am to 3:00 pm for NTM. For detail, please find http://csx.com.kh/operation/market/listPosts.do?MNCD=30201

Price shall be range from 15,000 Riels - 17,000 Riels, if untuneful investor, will refund to investor.

The decision on how much to distribute dividend will be made by the board of directors and Shareholders in line with expectation of business growth. For detail, please kindly find the disclosure documents in Chapter 1 point 6.

We are the first local commercial bank going IPO. We stay with Cambodian people for almost 30 years. ACLEDA Bank is the #1 bank in Cambodia which represents the people and economy since our loan outstanding grew in line with GDP growth. Up to 2019 we already have more than 2 million depositors to which annual growth rates increase from time to time reflecting the bank as the most trusted and preferred bank. WE have strong and consistent financial performance and high asset quality and capitalization. We are the largest banking operations and earnings in Cambodia and already employed more than 12 thousands Cambodian. We aim to improve the quality of our stakeholders' lives in all segments.

At subscription you will require to pay cash 100% of total of number of share you will buy.

There is no any restriction.

Please kindly find in the disclosure documents.

Please contact ASA Plc.

This is the new phase ever of the bank's history to become a listed bank and to share the benefit to its public. From this IPO, the Bank intends to use the net proceeds that it receives from this offering for general corporate purposes.

ACLEDA Bank has a dividend policy that allows for distribution of up to 50% of net profit after tax as dividend. The decision on how much to distribute dividend will be made by the board of directors and shareholders in line with expectation of business growth. For detail please kindly find the disclosure documents in Chapter 1 point 6.

There will have no transaction fee and tax for buying share at IPO stage but at secondary stage will be incurred the transaction fee.

The investor can apply the amount of share would like to buy.

The investor can apply the amount of share would like to buy from a period of book building process.

Book building from 3 March – 14 March 2020 (8:00am to 5:00pm, Monday to Saturday). Please contact selling agent.

• The Bank determines a dividend payout ratio which does not exceed 50% (fifty percent) of Net Profit After Tax of the preceding fiscal year. However, the Bank has to follow Conditions of Distribution of Dividends as stated by applicable laws. The Bank shall fix the starting and closing dates of the payment of the dividends. The starting date of the payment of the dividends shall be commended no longer than 7 (seven) working days after the Record Date. The Bank shall pay dividends to all Shareholders whose names are recorded in the official list of Shareholders entitled to receive the dividend within the period of time as mentioned above.
• Up to 5% of the bank share is going to IPO of which 2% is new share issued.
• Up to 50% of net profit after tax will be distributed as cash dividend and shall be paid after the Bank obtains the confirmation of bank's account information of each Shareholder. The remaining will go to general reserves.

• Par value is $1 each while Book Building Price ranges from KHR 15,000 – KHR 17,400.
• In case of economic recessions, it would not affect only to the bank sector but to other sectors whose business both directly and indirectly are related. ACLEDA Bank’s business, results of operations, financial condition, and prospects are dependent on the general macroeconomic. However, no assurance can be given that the present health of Cambodia's economy will be sustained. The long-term outlook depends on Cambodia’s ability to capitalize on rising FDI inflows, to continue to promote domestic investments, while coping with certain risks and challenges that include, but are not limited to, high concentration of exports in the garment, textile, and footwear (GTF) sectors and potential suspension of preferential access to the EU and the US, and high growth in credit to construction and real estate sectors.

The price is range from 15,000 riels - 17,400 riels if apply low amount will not be successful for book building so you could apply in subscription process.

There will be no transaction fee and tax for buying share at IPO stage but at secondary stage will be incurred the transaction fee at 0.45% - 0.47% over total value of trading per stransaction.

The bank has never been listed in the market prior to this IPO.

If successful book building, you cannot cancel.

This is the Bank's IPO, please contact ASA Plc. for the information.

Please kindly find in the disclosure documents.

You shall have the trading account and investor ID and you can apply for book building and subscription.

Please submit application for amount of shares you need.

There will be no transaction fee and tax for buying share at IPO stage but at secondary stage will be incurred the transaction fee at 0.45% - 0.47% over total value of trading per transaction.

You will deposit 10% in book building process and subscription process will be pay in full 100% amount of total shares you bought and you will become an ACLEDA Bank's shareholder.

The AML checking and monitoring is conducted by the bank when the investors transfer or deposit their money into their banking account following NBC's AML regulations and related pliable laws.

If oversubscribed we will using adjusted pro-rata method is a slight modified version of the pro-rata method. It is different from original pro-rata method in that before allocating the available shares by pro-rata, we allocate 1,000 shares or less if the total number of shares is less than 1,000 first to all investors. The remaining shares after this allocation will then be allocated on the pro-rata basis.

In 2020, cash dividend is distributed, out of net profit after tax for 2019, to existing shareholders currently holing 428,818,154 shares. For investors who become shareholders of the Bank by subscribing to the shares in the IPO / in the secondary market, such investors are entitled to dividend distributed out of NPAT of 2020 onwards.

Regarding to Dividend Policy, The Bank shall fix the starting and closing dates of the payment of the dividends. The starting date of the payment of the dividends shall be commended no longer than 7 (seven) working days after the Record Date. The Bank shall pay dividends to all Shareholders whose names are recorded in the official list of Shareholders entitled to receive the dividend within the period of time as mentioned above.

Note: Record Date means The date on which a holder of the security must be registered with the issuer in order to receive a coupon or dividend payment on the next payment date.

The offering amount and price and other company's information will be disclosed to the publics once we receive the approval in principle from the relevant authorities.

• ACLEDA Bank's IPO is the IPO for all valued customers and the Cambodian people.
• As shareholders, all valued customers and general public will be entitled to part of company's earnings and assets.

The bank will release to public after get official approval from relevent Authourities.

• Thank you for your interest. The bank will release to public after get official approval from relevant authorities.
• All valued customers and general public can be buy ACLEDA Bank's IPO.

All valued customers and general public will be entitled to part of company's earnings and assets (dividend distribution).

The bank will release to public after get official approval from relevant authorities.

In the short future the Bank will release to public after get official approval from relevant authorities.

All valued customers and general public will be entitled to part of company's earnings and assets (dividend distribution).

For more detail, you can find in CSX's website.

In the short future the Bank will release to public after get official approval from relevant authorities.

In relation to dividend distribution, the Bank will release to public after get official approval from relevant authorities.

In the short future the Bank will release to public after get official approval from relevant authorities.

You can use browser of CSX for trading, and the short future CSX will develop App of trading for mobile/smart phone.

Please kindly find the details in csx.com.kh

In the short future the Bank will release to public after get official approval from relevant authorities.

To trade, you shall have: 1-Bank account, 2-Investor ID, 3-Trading account. You can use browser of CSX (mts.csx.com.kh) for trading, and the short future CSX will develop App of trading for mobile/smart phone.

In the short future the Bank will release to public after get official approval from relevant authorities.

Trading on CSX not required to pay tax. But you have to pay commission fee to brokerage firm. The commission fee/Brokerage fee is 0.45% - 0.47% over total value of trading per transaction minimum charge KHR4,000.

All valued customers and general public will be entitled to part of company's earnings and assets (Dividend distribution).

The bank has strongly protection policies for IPO process.

Investors need to pay brokerage fee to broker at the rate of 0.45% - 0.47% over the total value of trading per transaction minimum charge KHR4,000.

In the short future the Bank will release to public after get official approval from relevant authorities.

In the short future the Bank will release to public after get official approval from relevant authorities.

The share issuance of ACLEDA Bank will be a very good sample for other financial institutions of the low cost fund raising from the stock market to expand their operations in the country and in the region. The vision of ACLEDA Bank is gain more public trust and the business will be more supportive.

All terms and conditions are applied during the IPO through disclosure documents. For secondary stage, you can buy from one share.

In the short future the Bank will release to public after get official approval from relevant authorities.

For more detail, you find in disclosure documents when the Bank release to public after get official approval from relevant authorities.

For more detail, you find in disclosure documents when the Bank release to public after get official approval from relevant authorities.

In the short future the Bank will release to public after get official approval from relevant authorities.

Investors shall have an investor ID first for open trading account. Therefore, ACLEDA Securities provide more easy way to investor and public shall apply investor ID and open trading account at the same time.

In the short future the Bank will release to public after get official approval from relevant authorities.

In the short future the Bank will release to public after get official approval from relevant authorities.

Thank you for your interest. We will announce in public in the near future after get official approval from relevant authorities.

In the short future the Bank will release to public after get official approval from relevant authorities.

The commission fee/brokerage fee is 0.45% - 0.47% over total value of trading per transaction minimum charge KHR4,000.

ACLEDA Bank is very successful in the financial market (banking) the most reputable and good corporate government so most used bank in Cambodia. Therefore, we believe that the investor will trust and invest in the ACLEDA Bank.

After receiving Investors ID, ACLEDA Securities (ACS) proceeds trading account opening and then ACS will inform investor when the trading account opening is completed.

We will announce in public in the near future after get official approval from relevant authorities.

The investors are sucessful in book building will be join subscription.

Yes, you can join in book building stage. But you shall have Investor ID and Trading Account.

We will announce in public in the near future after get official approval from relevant authorities.

The MTS is using web-based connection and accession in public with the password for login.

Yes, you can.

Cash transfer from ACLEDA Bank account to ACLEDA Securities (ACS)'s trading account is free of charge but cash transfer from trading account at ACS to ACLEDA Bank account at branch out of Phnom Penh will charge at rate 0.08% minimum KHR4000. When ACLEDA mobile put in use in the near it will be free and fast.

When Investors traded their shares, the money earned will go to their trading account.

Currently, CSX already developed for trading share in Market (mts.csx.com.kh).

Bank account is optional it can be USD or KHR. For investor ID application you can use any other bank account. To transfer money to trading account, Investor can transfer from any bank account at other banks.

You can use account of ACLEDA mobile for this transfer of your money. This option will be available soon in this month.