I, MOON Sungjin, proudly serve as the Chief Executive Officer of BNKC (Cambodia) Microfinance Plc.

Firstly, I extend my heartfelt gratitude to all the customers who have continuously supported and trusted our loan services at BNKC (Cambodia) Microfinance Plc.

As we reflect on the year 2023, it was undoubtedly a year filled with challenges, marked by global crises and an ongoing economic downturn. Despite these difficulties, we have persevered and achieved remarkable progress and success. We sincerely hope for an improved situation in 2024.

To date, we have proudly served 10,030 clients, with a total portfolio of USD 75,193,380, and established a network of 20 branch offices across Cambodia. Additionally, we have relocated three branches to new promising locations and invested in modernizing and renovating our offices, aiming to provide enhanced customer service experiences and create a better work environment that nurtures the well-being of our dedicated staff.

These achievements have only been possible due to the unwavering support and trust of our customers, as well as the dedicated efforts of our entire team. We are committed to further growth in partnership with our customers, guided by our motto, "BNKC is your best business partner." Our team is fully dedicated to evolving into a forward-thinking microfinance institution that offers innovative digital services and prioritizes customer-centricity in this digital era.

Simultaneously, as an institution operating in the microfinance sector, we actively contribute to the local economy. Our diverse loan services, including business loans, home loans, agricultural loans, and unsecured loans, have facilitated economic development. Moreover, we fulfill our corporate social responsibility by engaging in various social activities, strictly adhering to the principles and guidelines set by the National Bank of Cambodia, and maintaining a culture of ethical transparency and responsible management.

Furthermore, every year, we organize a charity event called "Happy Sharing" to extend our love and care to children in need, demonstrating our commitment to making a positive impact in the community.

I extend my best wishes to all our valued clients for good health, happiness, and continued growth.

Thank you once again for choosing BNKC (Cambodia) Microfinance Plc.

Warm regards,

MOON Sungjin

Chief Executive Officer

BNKC (Cambodia) Microfinance Plc.