phnom penh commercial bank

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The team work and customer service orientedculture have been the key to the remarkableachievement and strong performance of PhnomPenh Commercial Bank.encouraged in working place. Through good co- produced have seldom fallen behind schedule.as the top priority for the Bank business. Ourcustomers are highly impressed by excellent ser-through understanding our products and customers.We treat our customers with courtesy prohibited from arguing with customers at any backs are much appreciated.Social ResponsibilityWith regard to our commitment to create the brightfuture for Cambodia , Phnom Penh Commercial Bankhas taken social responsibility into its account. Dueto civil war, thousands of handicaps, orphans, displacedpeople and widowers are in need of promptassistance and support.to operate its center for further development of certainskills of disabled people there.value, the Bank transformed its corporate image toprovide expression of the brand in October 2009.The new corporate image is clearly shaped present- group.Our employees are our vital asset to progressbusiness. Therefore, assessing what skills are re- development plans of unit members to ensurethat the unit has the necessary skills to servecustomers and to help the Bank achieve the ob-To penetrate ourselves in the market share isone of our strategies in this increasingly com-Despite of an economic downturn from all partsof the world, Phnom Penh Commercial Bankmarket. dency of Mrs. Chea Serey, Director of Supervi- <strong>commercial</strong> <strong>bank</strong>ing and is accessible by twoATM machines. Through our branch, we willvices that PPCB's valued customers enjoy.8Annual Report 2009
, Master's Degree of Science in Real Estate, Kookmin Bank for 30years in Korea.Head, Regional Corporate Banking Department,Kookmin Bank, Korea.Deputy CEO, KB Real Estate Trust Company., Director, Korean Kookmin Bank, Korea. Branch Manager, Hyundai Capital, Korea.Mr. Eiichiro So, Singapore. Annual Report 2009 9
Page 2 and 3: HEAD OFFICE767-769, Monivong Boulev
Page 5 and 6: 1. 61.1 61.2 92. Statement of PP
Page 7: At Phnom Penh Commercial Bank, we r
Page 11 and 12: Annual Report 2009 11
Page 13 and 14: Annual Report 2009 13
Page 15 and 16: The board of directors ensures that
Page 17 and 18: to induce investment from foreign i
Page 20 and 21: 20Annual Report 2009
Page 22 and 23: The SBIH Group at a GlanceAsset Man
Page 24 and 25: PPCB Promises a BrightCambodians ca
Page 26 and 27: Report of the DirectorsPhnom Penh C
Page 28 and 29: tures of the Bank or any other body
Page 30 and 31: OpinionAudit PartnerPhnom Penh30 Ma
Page 32 and 33: Income statementFor the year ended
Page 34 and 35: For the year ended 31 December 2009
Page 36 and 37: The Bank operates within one busine
Page 38 and 39: 4. disposal.5. 6.
Page 40 and 41: 5. Cash and bank balances2009 2008U
Page 42 and 43: 2009 2008US$ KHR ‘000 US$ 1,591,8
Page 44 and 45: 1,491,938 6,219,890 2,000,000Non la
Page 46 and 47: TotalUS$ US$ US$ KHR‘000Cost 427,
Page 48 and 49: 2009 2008US$ KHR ‘000 US$Current
Page 50 and 51: 2009 2008US$ KHR ‘000 US$Interest
Page 52 and 53: Period from200931 December 2008US$
Page 54 and 55: c. Period from200931 December 2008U
Page 56 and 57: c. Capital commitments2009 2008US$
Page 58 and 59:
epayment of principal and interest
Page 60 and 61:
Assets31 December 2009Up to1 monthU
Page 62 and 63:
for variable-rate instruments was p
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